<SEC-DOCUMENT>0000905729-19-000163.txt : 20190808
<SEC-HEADER>0000905729-19-000163.hdr.sgml : 20190808
<ACCEPTANCE-DATETIME>20190808093231
ACCESSION NUMBER:		0000905729-19-000163
CONFORMED SUBMISSION TYPE:	424B3
PUBLIC DOCUMENT COUNT:		16
FILED AS OF DATE:		20190808
DATE AS OF CHANGE:		20190808

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHOICEONE FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000803164
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382659066
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B3
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-232157
		FILM NUMBER:		191007780

	BUSINESS ADDRESS:	
		STREET 1:		109 E DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186
		BUSINESS PHONE:		6168877366

	MAIL ADDRESS:	
		STREET 1:		109 EAST DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	1ST COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B3
<SEQUENCE>1
<FILENAME>choice424b3_080819.htm
<DESCRIPTION>CHOICEONE FORM 424B3
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Filed Pursuant to Rule 424(b)(3)<BR>
Registration No. 333-232157</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><IMG SRC="image_005.jpg" ALT="" STYLE="height: 58px; width: 217px">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;
<IMG SRC="image_006.jpg" ALT="" STYLE="height: 58px; width: 271px"></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>MERGER PROPOSED&nbsp;&#8212; YOUR VOTE
IS VERY IMPORTANT</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The board of directors of ChoiceOne Financial Services, Inc. (&quot;ChoiceOne&quot;) is furnishing this joint
proxy statement and prospectus and the accompanying form of proxy to ChoiceOne shareholders to solicit proxies to vote at a special
meeting of ChoiceOne's shareholders to be held on September 18, 2019 at 8:00 a.m. local time, at the Sparta Main Office, 109 E.
Division St., Sparta, Michigan 49345<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">,
and at any adjournments of the special meeting. The board of directors of County Bank Corp. (&quot;County&quot;) is furnishing
this joint proxy statement and prospectus and the accompanying form of proxy to County shareholders to solicit proxies to vote
at a special meeting of County's shareholders to be held on September 18, 2019, at 8:30 a.m. local time, at 1175 South Lapeer Road,
Lapeer, Michigan 48446, and at any adjournments of the special meeting</FONT>.</P>



<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">ChoiceOne
and County entered into an Agreement and Plan of Merger, dated as of March 22, 2019. Under the terms of the merger agreement,
County will be merged with and into ChoiceOne, with ChoiceOne as the surviving corporation. The boards of directors of each of
ChoiceOne and County have adopted the merger agreement and authorized and approved the merger and the other transactions contemplated
thereby. At the special meetings, each of ChoiceOne shareholders and County shareholders will be asked to approve, among other
things, a proposal to approve the merger agreement. <B>Each of the boards of directors of ChoiceOne and County recommends that
their respective shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement and &quot;FOR&quot; all of the
remaining proposals to be voted on at their respective special meeting as set forth in this joint proxy statement and prospectus.</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Completion
of the merger is subject to regulatory approval, approval of the merger agreement by ChoiceOne and County shareholders and other
customary closing conditions. Upon completion of the merger, County shareholders will be entitled to receive 2.0632 shares of ChoiceOne
common stock for each share of County common stock that they own. The exchange ratio is fixed and will not be adjusted to reflect
stock price changes prior to the effective time of the merger, <FONT STYLE="background-color: white">but is subject to adjustment
in certain limited circumstances (such as a stock split or other recapitalization event) to provide the County shareholders the
same economic effect as prior to such event</FONT>. ChoiceOne shareholders will continue to own their existing ChoiceOne shares.</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Based on
the number of shares of County common stock outstanding as of August 2, 2019, the total number of shares of ChoiceOne common
stock expected to be issued in connection with the merger is 3,604,171. ChoiceOne common stock and County common stock are
currently quoted for trading on the OTC Pink Market under the symbols &quot;COFS&quot; and &quot;CBNC,&quot; respectively. On
March 22, 2019, the date of the merger agreement, the closing price per share of ChoiceOne common stock was $24.70 and the
closing price per share of County common stock was $45.55. On <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">August
2, 2019, the closing price per share of ChoiceOne common stock was $29.02 and the closing price per share of County common
stock was $56.50. We urge you to obtain current market quotations for the shares of ChoiceOne common stock and County common
stock</FONT>.</P>



<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Y<B>our vote
is important. Please submit your proxy as soon as possible regardless of whether or not you expect to attend the meeting in person.</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Please read this
joint proxy statement and prospectus carefully because it contains important information about the merger and the merger agreement.
Read carefully the risk factors beginning on page 24. You can also obtain additional information about ChoiceOne from documents
that ChoiceOne has filed with the Securities and Exchange Commission at www.sec.gov.</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The shares of ChoiceOne
common stock to be issued in the merger are not deposits or savings accounts or other obligations of any bank or savings association,
and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency. ChoiceOne common stock is subject
to investment risks, including possible loss of value.</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><B>Neither
the Securities and Exchange Commission nor any state securities commission has approved or disapproved of the securities to be
issued under this joint proxy statement and prospectus or determined if this joint proxy statement and prospectus is truthful or
complete. Any representation to the contrary is a criminal offense.</B></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">This joint proxy statement and prospectus
is dated August 7, 2019</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">and is first being mailed to ChoiceOne
shareholders on or about August 8, 2019</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">and to County shareholders on or about
August 8, 2019.</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><IMG SRC="image_007.jpg" ALT="" STYLE="height: 64px; width: 239px"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ChoiceOne Financial Services, Inc.</B><BR>
<B>109 East Division</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Sparta, Michigan 49345</B><BR>
<B>(616) 887-7366</B><BR>
&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>NOTICE OF SPECIAL MEETING OF SHAREHOLDERS<BR>
TO BE HELD ON SEPTEMBER 18, 2019</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">To the Shareholders of ChoiceOne
Financial Services, Inc.:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">We are pleased
to invite you to attend the special meeting of shareholders of ChoiceOne Financial Services, Inc., a Michigan corporation (&quot;ChoiceOne&quot;),
which will be held at the Sparta Main Office, 109 E. Division St., Sparta, Michigan 49345 on September 18, 2019 at 8:00 a.m. local
time, for the following purposes:</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 4%; line-height: 115%">1.</TD>
    <TD STYLE="width: 93%; text-align: justify; line-height: 115%">To vote on a proposal to approve the Agreement and Plan of Merger, dated as of March 22, 2019, by and between County Bank Corp. (&quot;County&quot;) and ChoiceOne, as it may be amended from time to time&nbsp; (the &quot;merger agreement&quot;), a copy of which is included as Annex A to the joint proxy statement and prospectus of which this notice is a part, under which County will merge with and into ChoiceOne (the &quot;merger&quot;);</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">2.</TD>
    <TD STYLE="text-align: justify; line-height: 115%">To vote on a proposal to approve an amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of common stock from 7,000,000 to 12,000,000, a copy of which amendment is included as Annex B to the joint proxy statement and prospectus of which this notice is a part; </TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">3.</TD>
    <TD STYLE="text-align: justify; line-height: 115%">To vote on a proposal to approve an amendment to ChoiceOne's Articles of Incorporation to remove certain provisions related to the number of directors and vacancies on the board of directors, a copy of which amendment is included as Annex C to the joint proxy statement and prospectus of which this notice is a part; </TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 4%; line-height: 115%">4.</TD>
    <TD STYLE="width: 93%; text-align: justify; line-height: 115%">To cast a non-binding, advisory vote to approve the compensation that may be paid or become payable to ChoiceOne's named executive officers that is based on or otherwise related to the merger (the &quot;ChoiceOne merger-related compensation proposal&quot;); and</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 4%; line-height: 115%">5.</TD>
    <TD STYLE="width: 93%; text-align: justify; line-height: 115%">To vote on a proposal to adjourn the ChoiceOne special meeting, if necessary or appropriate, to solicit additional proxies in favor of proposals 1 through 3 listed above (the &quot;ChoiceOne adjournment proposal&quot;).</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">We
will also transact such other business as may properly come before the special meeting or any adjournment of the special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The ChoiceOne
board of directors has fixed the close of business on July 25, 2019 as the record date for the ChoiceOne special meeting. Only
ChoiceOne shareholders of record at that time are entitled to receive notice of, and to vote at, the ChoiceOne special meeting
or any adjournment of the special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><B>The
ChoiceOne board of directors has adopted the merger agreement and authorized and approved the merger and the other transactions
contemplated thereby, and recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement,
&quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized
shares of ChoiceOne common stock, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation
to remove certain provisions related to the number of directors and vacancies on the board of directors, &quot;FOR&quot; the ChoiceOne
merger-related compensation proposal and &quot;FOR&quot; the ChoiceOne adjournment proposal.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><B>Your vote
is very important. Whether or not you expect to attend the ChoiceOne special meeting in person, please vote your shares as promptly
as possible by (i)&nbsp;visiting the internet site listed on the proxy, (ii)&nbsp;calling the toll-free number listed on the proxy
or (iii)&nbsp;submitting your proxy by mail by using the provided self-addressed, stamped envelope</B>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The enclosed
joint proxy statement and prospectus provides a detailed description of the merger and the merger agreement and the other matters
to be considered at the ChoiceOne special meeting. We urge you to carefully read the joint proxy statement and prospectus, including
any documents incorporated by reference, and the Annexes in their entirety. If you have any questions concerning the merger or
the joint proxy statement and prospectus, would like additional copies or need help voting your shares of ChoiceOne common stock,
please contact Thomas L. Lampen at 109 East Division, Sparta, Michigan 49345 or (616) 887-7366.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 45%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 55%; line-height: 115%">On behalf of the ChoiceOne Board of Directors,<BR>
<IMG SRC="potes.jpg" ALT="" STYLE="width: 212px; height: 62px"><BR>
Kelly J. Potes<BR>
President and Chief Executive Officer</TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">August 7, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Sparta, Michigan</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><BR STYLE="clear: both">
</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><IMG SRC="image_008.jpg" ALT="" STYLE="height: 66px; width: 307px"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>County Bank Corp.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>83 West Nepessing Street </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Lapeer, Michigan 48446</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(810) 664-2977</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center"><B>NOTICE OF SPECIAL MEETING
OF SHAREHOLDERS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>TO BE HELD ON SEPTEMBER 18, 2019</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">To the Shareholders of County
Bank Corp.:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">We are pleased
to invite you to attend the special meeting of shareholders of County Bank Corp., a Michigan corporation (&quot;County&quot;),
which will be held at 1175 South Lapeer Road, Lapeer, Michigan 48446 on September 18, 2019 at 8:30 a.m. local time, for the following purposes:</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; text-align: left">&nbsp;</TD>
    <TD STYLE="width: 3%; line-height: 115%">1.</TD>
    <TD STYLE="width: 94%; text-align: justify; line-height: 115%">To vote on a proposal to approve the Agreement and Plan of Merger, dated as of March 22, 2019, by and between ChoiceOne Financial Services, Inc. (&quot;ChoiceOne&quot;) and County, as it may be amended from time to time (the &quot;merger agreement&quot;), a copy of which is included as Annex A to the joint proxy statement and prospectus of which this notice is a part, under which County will merge with and into ChoiceOne (the &quot;merger&quot;); and</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="line-height: 115%">2.</TD>
    <TD STYLE="text-align: justify; line-height: 115%">To vote on a proposal to adjourn the County special meeting, if necessary or appropriate, to solicit additional proxies in favor of proposal 1 listed above (the &quot;County adjournment proposal&quot;).</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">We
will also transact such other business as may properly come before the special meeting or any adjournment of the special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The County board
of directors has fixed the close of business on July 25, 2019 as the record date for the County special meeting. Only County shareholders
of record at that time are entitled to receive notice of, and to vote at, the County special meeting or any adjournment of the
special meeting.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The County board
of directors has adopted the merger agreement and authorized and approved the merger and the transactions contemplated thereby,
and recommends that County shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement and &quot;FOR&quot; the
County adjournment proposal. </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><B>Your vote
is very important. Whether or not you expect to attend the County special meeting in person, please vote your shares as promptly
as possible by (i)&nbsp;visiting the internet site listed on the proxy, (ii)&nbsp;calling the toll-free number listed on the proxy
or (iii)&nbsp;submitting your proxy by mail by using the provided self-addressed, stamped envelope</B>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The enclosed joint
proxy statement and prospectus provides a detailed description of the merger and the merger agreement and the other matters to
be considered at the County special meeting. We urge you to carefully read the joint proxy statement and prospectus, including
any documents incorporated by reference, and the Annexes in their entirety. If you have any questions concerning the merger or
the joint proxy statement and prospectus, would like additional copies or need help voting your shares of County common stock,
please contact Joseph H. Black at (810) 664-2977.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 45%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 55%; line-height: 115%">On behalf of the board of directors,<BR>
<BR>
   <IMG SRC="cadysig.jpg" ALT="" STYLE="width: 202px; height: 61px"><BR>
Bruce J. Cady<BR>
Chairman and Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">August 7, 2019</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Lapeer, Michigan</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 6pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B><A NAME="toc"></A>TABLE OF CONTENTS</B><BR>
<BR>
</P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_001">ABOUT THIS JOINT PROXY STATEMENT AND PROSPECTUS</A></TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_001">1</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_002">ADDITIONAL INFORMATION</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_002">2</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_003">QUESTIONS AND ANSWERS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_003">3</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_004">SUMMARY</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_004">9</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_005">The Companies</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_005">9</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_006">The Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_006">10</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_007">Summary Historical Consolidated Financial Data of ChoiceOne</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_007">15</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_008">Summary Historical Consolidated Financial Data of County</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_008">17</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_009">Summary Selected Pro Forma Combined Data (Unaudited)</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_009">19</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_010">Comparative Per Share Data (Unaudited)</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_010">20</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_011">Comparative Market Prices</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_011">21</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_012">SPECIAL NOTE&nbsp;REGARDING FORWARD-LOOKING STATEMENTS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_012">22</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_013">NON-GAAP FINANCIAL MEASURES</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_013">23</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_014">RISK FACTORS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_014">24</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_015">THE CHOICEONE PROPOSALS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_015">29</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_016">ChoiceOne Proposal 1 &#8211; Approval of the Merger Agreement</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_016">29</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_017">ChoiceOne Proposal 2 &#8211; Approval of the Amendment to ChoiceOne's Articles of Incorporation to Increase the Number of Authorized Shares of Common Stock</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_017">29</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_018">ChoiceOne Proposal 3 &#8211; Approval of the Amendment to ChoiceOne's Articles of Incorporation to Remove Certain Provisions Related to the Number of Directors and Vacancies on the Board of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_018">29</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_019">ChoiceOne Proposal 4 &#8211; ChoiceOne Merger-Related Compensation Proposal</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_019">30</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_020">ChoiceOne Proposal 5 &#8211; ChoiceOne Adjournment Proposal</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_020">31</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_021">THE COUNTY PROPOSALS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_021">31</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_022">County Proposal 1 &#8211; Approval of the Merger Agreement</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_022">31</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_023">County Proposal 2 &#8211; County Adjournment Proposa</A>l</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_023">31</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_024">THE CHOICEONE SPECIAL MEETING</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_024">32</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_025">Date, Time and Place</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_025">32</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_026">Purpose of the ChoiceOne Special Meeting</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_026">32</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_027">Recommendation of the ChoiceOne Board of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_027">32</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_028">ChoiceOne Record Date; Shareholders Entitled to Vote</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_028">32</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_029">Voting by ChoiceOne's Directors and Executive Officers</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_029">33</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_030">Quorum and Adjournment</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_030">33</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_031">Required Vote</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_031">33</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_032">Voting of Proxies by Holders of Record</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_032">34</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_033">Shares&nbsp;Held in Street Name</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_033">34</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_034">Attending the Meeting; Voting in Person</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_034">35</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_035">Revocation of Proxies</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_035">35</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_036">Solicitation of Proxies</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_036">35</A></TD></TR>
 <TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_037">THE COUNTY SPECIAL MEETING</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_037">36</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_038">Date, Time and Place</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_038">36</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_039">Purpose of the County Special Meeting</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_039">36</A></TD></TR>


<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt; width: 90%"><A HREF="#a_040">Recommendations of the County Board of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; width: 10%"><A HREF="#a_040">36</A></TD></TR>
</TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_041">County Record Date; Shareholders Entitled to Vote</A></TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_041">36</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_042">Voting by County's Directors and Executive Officers</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_042">36</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_043">Quorum and Adjournment</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_043">37</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_044">Required Vote</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_044">37</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_045">Voting of Proxies by Holders of Record</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_045">37</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_046">Shares Held in Street Name</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_046">38</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_047">Attending the Meeting; Voting in Person</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_047">38</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_048">Revocation of Proxies</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_048">38</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_049">Solicitation of Proxies</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_049">39</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_050">THE MERGER</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_050">40</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_051">Effects of the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_051">40</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_052">Background of the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_052">40</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_053">ChoiceOne's Reasons for the Merger and Recommendation of the ChoiceOne Board of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_053">44</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_054">County's Reasons for the Merger and Recommendation of the County Board of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_054">47</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_055">Opinion of ChoiceOne's Financial Advisor in Connection with the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_055">50</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_056">Opinion of County's Financial Advisor in Connection with the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_056">57</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_057">Interests of Certain ChoiceOne Directors and Executive Officers in the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_057">62</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_058">Interests of Certain County Directors and Executive Officers in the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_058">63</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_059">Board of Directors and Management Following the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_059">65</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_060">Regulatory Clearances Required for the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_060">66</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_061">Exchange of Shares in the Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_061">66</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_062">Voting Agreements</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_062">67</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_063">Dissenters' Rights</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_063">67</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_064">THE MERGER AGREEMENT</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_064">68</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_065">General; The Merger</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_065">68</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_066">When the Merger Becomes Effective</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_066">68</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_067">Merger Consideration</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_067">69</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_068">Dividends and Distributions</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_068">69</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_069">Procedure for Receiving Merger Consideration</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_069">69</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_070">Lost, Stolen or Destroyed Certificates</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_070">70</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_071">Representations and Warranties</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_071">70</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_072">Conduct of Business Pending the Completion of the Transaction</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_072">72</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_073">Restrictions on Solicitation</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_073">75</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_074">Changes in Board Recommendations</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_074">76</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_075">Efforts to Obtain Required Shareholder Approvals</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_075"><B>77</B></A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_076">Efforts to Complete the Transactions</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_076">77</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_077">Other Covenants and Agreements</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_077">77</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_078">Conditions to Completion of the Transaction</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_078">79</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_079">Termination of the Merger Agreement</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_079">80</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_080">Termination Fees and Expenses; Liability for Breach</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_080">82</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_081">Governance of the Combined Company Following the Completion of the Transaction</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_081">84</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_082">Indemnification and Insurance</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_082">85</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_083">Amendments, Extensions and Waivers</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_083">85</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_084">Governing Law</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_084">85</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_085">No Third Party Beneficiaries</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_085">85</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt; width: 90%"><A HREF="#a_086">Specific Performance</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; width: 10%"><A HREF="#a_086">85</A></TD></TR>
</TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_087">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_087">86</A></TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_088">ACCOUNTING TREATMENT</A></TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_088">89</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_089">UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_089">89</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_090">COMPARISON OF RIGHTS OF SHAREHOLDERS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_090">96</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_091">Authorized Capital Stock</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_091">96</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_092">Issuance of Additional Shares</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_092">96</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_093">Number and Classification of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_093">96</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_094">Election of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_094">97</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_095">Nomination of Director Candidates by Shareholders</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_095">97</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_096">Removal of Directors</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_096">97</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_097">Indemnification of Directors, Officers and Employees</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_097">98</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_098">Shareholder Proposals</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_098">98</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_099">Special Meetings of Shareholders</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_099">98</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_100">Shareholder Action Without a Meeting</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_100">99</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_101">Amendment of Articles of Incorporation and Bylaws</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_101">99</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_102">Business Combination Restrictions and Other Shareholder Limitations</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_102">99</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_103">INFORMATION ABOUT COUNTY</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_103">100</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_104">Information about County's Business</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_104">100</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_105">Information about County's Properties</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_105">101</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: small-caps bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 0in; padding-bottom: 0pt; padding-left: 11pt"><A HREF="#a_105a">Executive Compensation</A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt"><A HREF="#a_105a">102</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_106">COUNTY'S MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_106">105</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_107">COUNTY'S CONSOLIDATED FINANCIAL STATEMENTS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_107">125</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_108">BENEFICIAL OWNERSHIP OF COUNTY COMMON STOCK BY MANAGEMENT AND PRINCIPAL SHAREHOLDERS OF COUNTY</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_108">127</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_109">DISSENTERS' RIGHTS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_109">128</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_110">LEGAL MATTERS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_110">128</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_111">EXPERTS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_111">128</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_112">SHAREHOLDER PROPOSALS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_112">129</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_113">OTHER MATTERS PRESENTED AT THE MEETINGS</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_113">129</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_114">WHERE YOU CAN FIND MORE INFORMATION</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_114">130</A></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: bold 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; padding-top: 5pt; padding-bottom: 5pt; padding-left: 0in"><A HREF="#a_115">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</A></TD>
    <TD STYLE="text-align: right; padding-top: 5pt; padding-bottom: 5pt"><A HREF="#a_115">131</A></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 11%; line-height: 115%"><B><A HREF="#annexa">ANNEX A</A> &ndash;</B></TD>
    <TD STYLE="width: 89%; line-height: 115%"><B><A HREF="#annexa">AGREEMENT AND PLAN OF MERGER, DATED AS OF MARCH 22, 2019</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexb">ANNEX B</A> &ndash;</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexb">AMENDMENT TO CHOICEONE'S ARTICLES OF INCORPORATION TO INCREASE NUMBER OF AUTHORIZED SHARES OF COMMON STOCK</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexc">ANNEX C</A> &ndash;</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexc">AMENDMENT TO CHOICEONE'S ARTICLES OF INCORPORATION TO REMOVE CERTAIN PROVISIONS RELATED TO THE NUMBER OF DIRECTORS AND VACANCIES ON THE BOARD OF DIRECTORS</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexd">ANNEX D</A> &ndash;</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexd">MICHIGAN DISSENTERS' RIGHTS STATUTE</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%; width: 11%">&nbsp;</TD>
    <TD STYLE="line-height: 115%; width: 89%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexe">ANNEX E</A> &ndash;</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexe">OPINION OF PROBANK AUSTIN</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexf">ANNEX F</A> &ndash;</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexf">OPINION OF BOENNING &amp; SCATTERGOOD</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexg">ANNEX G</A> -</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexg">COUNTY BANK CORP. CONSOLIDATED FINANCIAL STATEMENTS</A></B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><B><A HREF="#annexh">ANNEX H</A> -</B></TD>
    <TD STYLE="line-height: 115%"><B><A HREF="#annexh">RECONCILIATION OF NON-GAAP FINANCIAL MEASURES</A></B></TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_001"></A>ABOUT THIS JOINT PROXY STATEMENT AND
PROSPECTUS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This joint proxy statement
and prospectus, which forms part of a registration statement on&nbsp;Form&nbsp;S-4&nbsp;filed with the U.S.&nbsp;Securities and
Exchange Commission (referred to as the &quot;SEC&quot;) by ChoiceOne, constitutes a prospectus of ChoiceOne under Section&nbsp;5
of the Securities Act of 1933, as amended (referred to as the &quot;Securities Act&quot;), with respect to the shares of ChoiceOne
common stock to be offered to County shareholders in connection with the merger. This joint proxy statement and prospectus also
constitutes a proxy statement for ChoiceOne under Section&nbsp;14(a) of the Securities Exchange Act of 1934, as amended (referred
to as the &quot;Exchange Act&quot;). It also constitutes a notice of meeting with respect to the special meeting of ChoiceOne shareholders
and a notice of meeting with respect to the special meeting of County shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You should rely
only on the information contained in or incorporated by reference into this joint proxy statement and prospectus. No one has been
authorized to provide you with information that is different from that contained in, or incorporated by reference into, this joint
proxy statement and prospectus. You should not assume that the information contained in this joint proxy statement and prospectus
is accurate as of any date other than the date of this joint proxy statement and prospectus. You should not assume that the information
incorporated by reference into this joint proxy statement and prospectus is accurate as of any date other than the date of the
incorporated document. Neither the mailing of this joint proxy statement and prospectus to ChoiceOne shareholders or County shareholders
nor the issuance by ChoiceOne of shares of common stock pursuant to the merger will create any implication to the contrary.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>This joint proxy
statement and prospectus does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation
of a proxy, in any jurisdiction to or from any person to whom it is unlawful to make any such offer or solicitation. Information
contained in this joint proxy statement and prospectus regarding ChoiceOne has been provided by ChoiceOne and information contained
in this joint proxy statement and prospectus regarding County has been provided by County.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">All references in
this joint proxy statement and prospectus to &quot;ChoiceOne&quot; refer to ChoiceOne Financial Services, Inc. All references in
this joint proxy statement and prospectus to &quot;County&quot; refer to County Bank Corp. All references in this joint proxy statement
and prospectus to &quot;we,&quot; &quot;our&quot; and &quot;us&quot; refer to ChoiceOne and County collectively, unless otherwise
indicated or as the context requires.</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_002"></A>ADDITIONAL INFORMATION</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This joint proxy statement
and prospectus references important business and financial information about ChoiceOne and County from other documents that are
not included in or delivered with this joint proxy statement and prospectus. You can obtain any of the documents filed with the
SEC by ChoiceOne at no cost from the SEC's website at www.sec.gov. You can also obtain those documents referenced in this joint
proxy statement and prospectus free of charge by requesting copies in writing or by telephone from ChoiceOne or County, as applicable,
at the respective address or telephone number below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 49%">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">ChoiceOne Financial Services, Inc.</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">109 East Division</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Sparta, Michigan 49345</P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">(616) 887-7366</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">Attention: Thomas L. Lampen</P></TD>
    <TD STYLE="width: 51%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">County Bank Corp.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">83 West Nepessing Street</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">Lapeer, Michigan 48446</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">(810) 664-2977</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">Attention: Joseph H.
        Black</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Investors may
also visit ChoiceOne's or County's website for more information about ChoiceOne or County, respectively.</B> ChoiceOne's website
is www.choiceone.com. County's website is www.lakestonebank.com. Information included on these websites is&nbsp;not incorporated
by reference into, and does not constitute a part of, this joint proxy statement and prospectus.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>If you would
like to request any documents, please do so by September 11, 2019 in order to receive them before the special meetings.</B></P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">For a more detailed
description of the information incorporated by reference in this joint proxy statement and prospectus and how you may obtain it,
see &quot;Where You Can Find More Information&quot; beginning on page&nbsp;130.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_003"></A>QUESTIONS AND ANSWERS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&nbsp;&nbsp;&nbsp;&#9;Why am I receiving this joint
proxy statement and prospectus and what will I be asked to vote on?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;ChoiceOne and County have agreed to a
merger pursuant to the terms of the merger agreement, a copy of which is included in this joint proxy statement and prospectus
as Annex A. In order to complete the merger, among other things, ChoiceOne shareholders must approve the merger agreement and an
amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne common stock, and County
shareholders must approve the merger agreement. In addition, while not conditions to the closing of the merger, ChoiceOne shareholders
will vote on the proposal to amend the ChoiceOne Articles of Incorporation to remove certain provisions related to the number of
directors and vacancies on the board of directors, the ChoiceOne merger-related compensation proposal and the ChoiceOne adjournment
proposal and County shareholders will vote on the County adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">ChoiceOne and County will hold separate
special meetings of their shareholders to vote on these proposals.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;What will I receive in the
merger?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>&nbsp;&nbsp;&nbsp;ChoiceOne shareholders:</I>
Whether or not the merger is completed, ChoiceOne shareholders will retain the ChoiceOne common stock that they currently own.
They will not receive any merger consideration, and they will not receive any additional shares of ChoiceOne common stock in the
merger. As part of the merger, the ChoiceOne board of directors expects to declare and pay a special cash dividend of $0.60 per
share to ChoiceOne shareholders prior to the effective time of the merger, subject to the satisfaction of the closing conditions
set forth in the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> If the merger
is completed, County shareholders will be entitled to receive 2.0632 shares of ChoiceOne common stock for each share of County
common stock that they hold as of the effective time of the merger, plus cash in lieu of any fractional share of ChoiceOne common
stock. The exchange ratio is fixed and will not be adjusted to reflect stock price changes prior to the effective time of the merger,
<FONT STYLE="background-color: white">but is subject to adjustment in certain limited circumstances (such as a stock split or other
recapitalization event) to provide the County shareholders the same economic effect as prior to such event</FONT>. We urge you
to obtain current market quotations for the shares of ChoiceOne common stock and County common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;When and where will the special
meetings be held?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>ChoiceOne shareholders:
</I>The special meeting of ChoiceOne shareholders will be held at the Sparta Main Office, 109 E. Division St., Sparta, Michigan
49345, on September 18, 2019, at 8:00 a.m. local time.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> The
special meeting of County shareholders will be held at 1175 South Lapeer Road, Lapeer, Michigan 48446, on September 18, 2019,
at 8:30 a.m. local time.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;Who is entitled to vote at
the special meetings?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>ChoiceOne shareholders:
</I>The record date for the ChoiceOne special meeting is July 25, 2019. Only record holders of shares of ChoiceOne common stock
at the close of business on such date are entitled to notice of, and to vote at, the ChoiceOne special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> The
record date for the County special meeting is July 25, 2019. Only record holders of shares of County common stock at the close
of business on such date are entitled to notice of, and to vote at, the County special meeting.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;What constitutes a quorum at
the special meetings?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>&nbsp;&nbsp;&nbsp;ChoiceOne
shareholders: </I>Shareholders who hold shares representing at least a majority of the shares entitled to vote at the ChoiceOne
special meeting must be present in person or represented by proxy to constitute a quorum. All shares of ChoiceOne common stock
represented at the ChoiceOne special meeting, either in person or by proxy,</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">including shares that are represented but that vote
to abstain, will be treated as present for purposes of determining the presence or absence of a quorum.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> Shareholders
who hold shares representing at least a majority of the shares entitled to vote at the County special meeting must be present in
person or represented by proxy to constitute a quorum. All shares of County common stock represented at the County special meeting,
either in person or by proxy, including shares that are represented but that vote to abstain, will be treated as present for purposes
of determining the presence or absence of a quorum.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;How many votes do I have?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;<I>ChoiceOne shareholders:</I>
With respect to each proposal to be presented at the ChoiceOne special meeting, record holders of ChoiceOne common stock are entitled
to one vote for each share of ChoiceOne common stock held at the close of business on the ChoiceOne record date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> With respect
to each proposal to be presented at the County special meeting, record holders of County common stock are entitled to one vote
for each share of County common stock held at the close of business on the County record date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;What vote is required to approve
each proposal?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>&nbsp;&nbsp;&nbsp;ChoiceOne shareholders:</I>
The proposal to approve the merger agreement and the proposal to amend ChoiceOne's Articles of Incorporation to increase the number
of authorized shares of ChoiceOne common stock each require the affirmative vote of a majority of the issued and outstanding shares
of ChoiceOne common stock entitled to vote at the ChoiceOne special meeting. Failures to vote, broker non-votes and abstentions
will have the same effect as a vote against the respective proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">The proposal to approve the amendment
to ChoiceOne's Articles of Incorporation to remove certain provisions related to the number of directors and vacancies on the board
of directors requires the affirmative vote of not less than 66 2/3% of the issued and outstanding shares of ChoiceOne common stock
entitled to vote at the ChoiceOne special meeting. Failures to vote, broker non-votes and abstentions will have the same effect
as a vote against this proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">The ChoiceOne merger-related compensation
proposal and the ChoiceOne adjournment proposal each require the affirmative vote of a majority of the votes cast on the proposal
at the ChoiceOne special meeting (regardless of whether there is a quorum in the case of the ChoiceOne adjournment proposal). Failures
to vote, broker non-votes and abstentions will have no effect on the vote for the proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> The proposal
to approve the merger agreement requires the affirmative vote of a majority of the issued and outstanding shares of County common
stock entitled to vote at the special meeting. Failures to vote, broker non-votes and abstentions will have the same effect as
a vote against this proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">The County adjournment proposal requires
the affirmative vote of a majority of the votes cast on the proposal at the County special meeting. Failures to vote, broker non-votes
and abstentions will have no effect on the vote for the proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;How does the ChoiceOne board
of directors recommend that ChoiceOne shareholders vote?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;The ChoiceOne board of directors
recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement, &quot;FOR&quot; the proposal
to approve the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne common
stock, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to remove certain provisions
related to the number of directors and vacancies on the board of directors, &quot;FOR&quot; the ChoiceOne merger-related compensation
proposal, and &quot;FOR&quot; the ChoiceOne adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;How does the County board of
directors recommend that County shareholders vote?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;The County board of directors
recommends that County shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement and &quot;FOR&quot; the County
adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;How do I vote if I am a shareholder
of record?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>&nbsp;&nbsp;&nbsp;ChoiceOne shareholders: </I>If
you were a record holder of ChoiceOne common stock at the close of business on the record date for the ChoiceOne special meeting,
you may vote in person by attending the ChoiceOne special meeting or you may authorize a proxy to vote by:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">submitting your ChoiceOne proxy
by mail by using the provided self-addressed, stamped envelope;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">visiting the internet site listed on the ChoiceOne proxy and
following the instructions provided on that site anytime until 11:59 p.m. Eastern Time on September 17, 2019; or</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">calling the toll-free number listed on the ChoiceOne proxy
and following the instructions provided in the recorded message anytime until 11:59 p.m. Eastern Time on September 17, 2019.</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc"></UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> If you were
a record holder of County common stock at the close of business on the record date for the County special meeting, you may vote
in person by attending the County special meeting or, you may authorize a proxy to vote by:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">submitting your County proxy by
mail by using the provided self-addressed, stamped envelope;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">visiting the internet site listed on the County proxy and following
the instructions provided on that site anytime until 11:59 p.m. Eastern Time on September 17, 2019; or</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">calling the toll-free number listed on the County proxy and following the instructions provided in the recorded
message anytime until 11:59 p.m. Eastern Time on September 17, 2019.</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc"></UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;My shares are held in &quot;street
name&quot; by my broker, bank or other nominee. Will my broker, bank or other nominee automatically vote my shares for me?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;No. If your shares are held through
a stock brokerage account, bank or other nominee, you are considered the &quot;beneficial holder&quot; of the shares held for you
in what is known as &quot;street name.&quot; The &quot;record holder&quot; of such shares is your broker, bank or other nominee,
and not you. If this is the case, this joint proxy statement and prospectus has been forwarded to you by your broker, bank or other
nominee. You must provide the record holder of your shares with instructions on how to vote your shares. Otherwise, your broker,
bank or other nominee may not vote your shares on any of the proposals to be considered at the ChoiceOne special meeting or the
County special meeting, as applicable, and a broker non-vote will result.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Please follow the voting instructions
provided by your broker, bank or other nominee so that it may vote your shares on your behalf. Please note that you may not vote
shares held in street name by returning a proxy directly to ChoiceOne or County or by voting in person at the special meeting unless
you first obtain a &quot;legal proxy&quot; from your broker, bank or other nominee.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;What will happen if I return
my proxy without indicating how to vote?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;<I>ChoiceOne
shareholders:</I> If you properly complete and sign your proxy but do not indicate how your shares of ChoiceOne common stock should
be voted on a proposal, the shares of ChoiceOne common stock represented by your proxy will be voted as the ChoiceOne board of
directors recommends and, therefore, &quot;FOR&quot; the proposal to approve the merger agreement, &quot;FOR&quot; the proposal
to approve the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne common
stock, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to remove certain provisions
related to the number</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">of directors and vacancies on the board of directors, &quot;FOR&quot; the ChoiceOne merger-related compensation
proposal, and &quot;FOR&quot; the ChoiceOne adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> If you properly
complete and sign your proxy but do not indicate how your shares of County common stock should be voted on a proposal, the shares
of County common stock represented by your proxy will be voted as the County board of directors recommends and, therefore, &quot;FOR&quot;
the proposal to approve the merger agreement and &quot;FOR&quot; the County adjournment proposal.&#9;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;Can I change my vote or revoke
my proxy after I have returned a proxy or voting instruction card?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;Yes. If you are the record holder
of either ChoiceOne or County common stock, you can change your vote or revoke your proxy at any time before your proxy is voted
at the applicable special meeting. You can do this by:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">timely delivering a signed written
notice of revocation to the Corporate Secretary of ChoiceOne or the Corporate Secretary of County, as applicable;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">timely delivering a new, valid proxy
bearing a later date;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">casting a subsequent vote via telephone
or the internet; or</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">attending the special meeting and
voting in person. Simply attending the ChoiceOne special meeting or the County special meeting without voting will not revoke
any proxy that you have previously given or change your vote.</FONT></LI>

</UL>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">If you hold shares of either ChoiceOne
or County in &quot;street name,&quot; you must contact your broker, bank or other nominee to change your vote.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;Do I need to do anything with
my shares of common stock other than vote for the proposals at the special meeting?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;<I>&nbsp;&nbsp;&nbsp;ChoiceOne shareholders:</I>
If you are a ChoiceOne shareholder, after the merger is completed, you are not required to take any action with respect to your
shares of ChoiceOne common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> If you are
a County shareholder, after the merger is completed, each share of County common stock that you hold will be converted automatically
into the right to receive 2.0632 shares of ChoiceOne common stock, together with cash in lieu of any fractional share. You will
receive instructions at that time regarding exchanging your County shares for shares of ChoiceOne common stock. You do not need
to take any action at this time. Please do not send your County stock certificates with your proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;What are the material U.S.
federal income tax consequences of the merger to ChoiceOne shareholders and County shareholders? </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;ChoiceOne and County intend for
the merger to be treated, and the obligation of ChoiceOne and County to consummate the merger is conditioned upon the receipt of
an opinion from their respective legal counsel to the effect that the merger will be treated, as a &quot;reorganization&quot; within
the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended (the &quot;Code&quot;).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>ChoiceOne shareholders:</I> If you
are a ChoiceOne shareholder, you should not recognize gain or loss on the retention of your ChoiceOne common stock pursuant to
the merger. If the ChoiceOne board of directors pays a special cash dividend of $0.60 per share to ChoiceOne shareholders prior
to the effective time of the merger, such dividend will be taxable to you to the extent that the dividend is treated as a distribution
of ChoiceOne's undistributed current or accumulated earnings and profits (as discussed in greater detail below).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County shareholders:</I> In general,
if you are a County shareholder and the merger qualifies as a reorganization within the meaning of Section 368(a) of the Code,
you will not recognize any gain or loss for U.S. federal income tax purposes as a result of the exchange of your shares of County
common stock solely for shares of ChoiceOne</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">common stock pursuant to the merger. However, you generally will recognize gain (or
loss) on the receipt of cash in lieu of the receipt of a fractional share of ChoiceOne common stock pursuant to the merger in
an amount equal to the difference between the cash received for such fractional share and your tax basis in your shares of County
common stock allocable to that fractional share.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">For greater detail, see &quot;Material
U.S. Federal Income Tax Consequences of the Merger&quot; beginning on page 86.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">The U.S. federal income tax consequences
described above may not apply to all holders of County common stock. Tax matters can be complicated and the tax consequences of
the merger to you will depend on your particular tax situation. You should consult your tax advisor to determine the specific tax
consequences of the merger to you.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&nbsp;&nbsp;&nbsp;&#9;What are the material U.S.
federal income tax consequences of the special cash dividend to ChoiceOne shareholders? </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;The ChoiceOne board of directors
expects to declare and pay a special cash dividend of $0.60 per share to ChoiceOne shareholders prior to the effective time of
the merger. It is expected that such distribution, if made, will constitute a dividend for U.S. federal income tax purposes to
the extent of a shareholder's allocable share of ChoiceOne's undistributed current or accumulated earnings and profits. Distributions
treated as dividends for U.S. federal income tax purposes generally will be taxable as ordinary income to you but may be treated
as &quot;qualified dividend income&quot; if certain requirements are met. Qualified dividend income received by individuals and
other non-corporate shareholders are currently taxed for federal income tax purposes at a rate not to exceed 20%.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Distributions received by a ChoiceOne
shareholder in excess of such shareholder's allocable portion of undistributed current or accumulated earnings and profits will
be treated first a return of capital for U.S. federal income tax purposes to the extent of such shareholder's tax basis in his,
her or its shares of ChoiceOne common stock and, as such, will generally not be taxable to that shareholder. Distributions to a
ChoiceOne shareholder in excess of his, her or its tax basis in their shares of ChoiceOne common stock and allocable share of ChoiceOne's
undistributed current or accumulated earnings and profits will be taxable to such shareholder as capital gain. Any such capital
gain will be treated as a long-term capital gain if the ChoiceOne shareholder held his, her or its shares of ChoiceOne common stock
for more than one year as of the date that such ChoiceOne shareholder receives the distribution and will generally be subject to
a reduced rate of federal income tax.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">See &quot;Material U.S. Federal Income
Tax Consequences of the Merger&quot; beginning on page 86 for a general description of the tax consequences of the pre-closing
tax dividend that ChoiceOne may pay. The U.S. federal income tax consequences described above may not apply to all holders of ChoiceOne
common stock. Your tax consequences will depend on your individual situation. You should consult your own tax advisor about the
particular tax consequences of the merger to you.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;Are shareholders entitled to
dissenters' rights?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;Under Michigan
law, holders of County common stock may dissent from the merger and be paid the &quot;fair value&quot; for their shares of County
common stock if the merger is approved. To be entitled to this payment, County shareholders must not vote for approval of the
merger agreement and must deliver a written notice of dissent to County before the vote of County's shareholders on the merger
agreement. County shareholders should read carefully the section of this joint proxy statement and prospectus entitled &quot;Dissenters'
Rights.&quot;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Holders of ChoiceOne common stock are
not entitled to dissenters' rights under Michigan law, the governing documents of ChoiceOne or otherwise.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&#9;&nbsp;&nbsp;&nbsp;What if I hold shares in both
ChoiceOne and County?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;If you are both a ChoiceOne shareholder
and a County shareholder, you will receive two separate packages of proxy materials. A vote cast as a ChoiceOne shareholder will
not count as a vote cast as a County shareholder, and a vote cast as a County shareholder will not count as a vote cast as a ChoiceOne
shareholder. Therefore, please separately submit a proxy for each of your ChoiceOne and County shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Q:&nbsp;&nbsp;&nbsp;&#9;Who can help answer my questions?</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">A:&#9;&nbsp;&nbsp;&nbsp;Shareholders of ChoiceOne or County
who have questions about the merger, the other matters to be voted on at the special meetings, or how to submit a proxy, or who
desire additional copies of this joint proxy statement and prospectus or additional proxies, should contact:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">ChoiceOne Financial Services, Inc.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">109 East Division</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Sparta, Michigan 49345</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">(616) 887-7366</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Attention: Thomas L. Lampen</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">County Bank Corp.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">83 West Nepessing Street</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">Lapeer, Michigan 48446</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: center">(810) 664-2977</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Attention: Joseph H. Black</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B><A NAME="a_004"></A>SUMMARY</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_005"></A>The Companies</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>ChoiceOne</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">ChoiceOne Financial Services, Inc.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">109 East Division</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Sparta, Michigan 49345</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Telephone: (616) 887-7366</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne is a financial
holding company incorporated in Michigan in February 1986 and headquartered in Sparta, Michigan. ChoiceOne's business is concentrated
in the banking industry segment. ChoiceOne's common stock trades on the OTC Pink Market under the symbol COFS.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of March 31,
2019, ChoiceOne had consolidated total assets of $670.4 million, net loans of $397.3 million, total deposits of $564.5 million
and total shareholders' equity of $82.7 million. ChoiceOne conducts substantially all of its operations through its subsidiary,
ChoiceOne Bank. ChoiceOne Bank's primary market area lies within Kent, Muskegon, Newaygo, and Ottawa counties in Michigan. As of
March 31, 2019, ChoiceOne operated fourteen full-service offices to serve these markets.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">More information
about ChoiceOne is&nbsp;available by visiting the &quot;Investor Relations&quot; section of its website at www.choiceone.com. Information
contained on ChoiceOne's website does not constitute part of, and is not incorporated into, this joint proxy statement and prospectus.
For a complete description of ChoiceOne's business, financial condition, results of operations and other important information,
please refer to ChoiceOne's filings with the SEC that are incorporated by reference in this document, including its Annual Report
on Form 10-K for the year ended December&nbsp;31, 2018. For instructions on how to find copies of these documents, see &quot;Where
You Can Find More Information&quot; beginning on page 130.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>County</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">County Bank Corp.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">83 West Nepessing Street</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Lapeer, Michigan 48446</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Telephone: (810) 664-2977</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is a financial
holding company incorporated in Michigan in September 1987 and headquartered in Lapeer, Michigan. County's business is concentrated
in the banking industry segment. County's common stock trades on the OTC Pink Market under the symbol CBNC.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of March 31,
2019, County had total assets of $636.8 million, total loans of $387.4 million, total deposits of $561.7 million, and total shareholders'
equity of $64.1 million. County conducts substantially all of its operations through its wholly-owned subsidiary bank, Lakestone
Bank &amp; Trust (&quot;Lakestone Bank&quot;). Lakestone Bank's primary market area lies within Lapeer, Macomb, and St. Clair counties
in Michigan. As of March 31, 2019, Lakestone Bank operated 13 full-service offices to serve these markets.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">More information
about County is&nbsp;available by visiting County's website at www.lakestonebank.com. Information contained on County's website
does not constitute part of, and is not incorporated into, this joint proxy statement and prospectus. For instructions on how to
request additional information or documents from County, see &quot;Where You Can Find More Information&quot; beginning on page
130.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_006"></A>The Merger (see page 40)</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Effects of the Merger (see page 40)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Subject to the terms and
conditions of the merger agreement, as of the effective time of the merger, County will be merged with and into ChoiceOne, the
separate corporate existence of County shall cease, and ChoiceOne shall be the surviving corporation of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Upon completion
of the merger, County shareholders will automatically have the right to receive 2.0632 shares (the &quot;exchange ratio&quot;)
of ChoiceOne common stock for each share of County common stock they hold, plus cash in lieu of any fractional share of ChoiceOne
common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>ChoiceOne's Reasons for the Merger
and Recommendation of the ChoiceOne Board of Directors (see page 44)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The board of directors of ChoiceOne supports the merger and believes that it is in the best interests of ChoiceOne
and its shareholders. <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">In adopting
the merger agreement and recommending approval of the ChoiceOne proposals set forth in this joint proxy statement and prospectus,
the ChoiceOne board of directors consulted with members of ChoiceOne management and with ChoiceOne's legal and financial advisors,
and also considered a number of factors that the ChoiceOne board of directors viewed as supporting its decisions, including, among
other factors, the fact that the merger will allow ChoiceOne to expand its operations into the southeastern region of Michigan
and the expectation that the merger will result in approximately 14% earnings per share accretion in the first full year based
on fully phased-in cost savings of approximately 10% of the combined expenses of the two companies and a tangible book value earn-back
period of approximately 3 years</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ChoiceOne
board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement, &quot;FOR&quot;
the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of
ChoiceOne common stock, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to remove
certain provisions related to the number of directors and vacancies on the board of directors, &quot;FOR&quot; the ChoiceOne merger-related
compensation proposal, and &quot;FOR&quot; the ChoiceOne adjournment proposal.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>County's Reasons for the Merger and Recommendation
of the County Board of Directors (page&nbsp;47)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The board of directors
of County supports the merger and believes that it is in the best interests of County and its shareholders. The board of directors
of County believes that partnering with ChoiceOne will maximize the long-term value of its shareholders' investment in County,
and that the merger will provide the combined company with additional resources necessary to compete more effectively in Michigan.
The County board of directors considered a number of factors in adopting the merger agreement and recommending its approval by
the shareholders of County, including, among other factors, the reputation, competence, business practices, integrity and experience
of ChoiceOne and its management.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The County board
of directors recommends that County shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement and &quot;FOR&quot;
the County adjournment proposal. </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Opinion of ChoiceOne's Financial Advisor in Connection
with the Merger (see page 50)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
the adoption of the merger agreement, ChoiceOne's financial advisor, ProBank Austin, delivered a written opinion, dated March
22, 2019, to the ChoiceOne board of directors, based on its analysis and subject to the qualifications described therein, that
as of the date of the opinion, the merger consideration to be provided to County is fair, from a financial point of view, to ChoiceOne.
The full text of the opinion, which describes the procedures followed, assumptions made, matters considered, and qualifications
and limitations on the review undertaken by ProBank Austin in preparing the opinion, is attached as Annex E to this joint proxy
statement and prospectus. <B>The opinion was for the information of, and was directed to, the ChoiceOne board of directors (in
its capacity as such) in connection with its consideration of the financial terms of the merger. The opinion did not address the
underlying business decision of ChoiceOne to engage in the merger or enter into the merger agreement or constitute a recommendation
to the ChoiceOne board of directors in connection with</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>the merger, and it does not constitute a recommendation to any holder of
ChoiceOne common stock or any shareholder of any other entity as to how to vote in connection with the merger or any other matter.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Opinion of County's Financial Advisor in Connection with
the Merger (see page 57)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
the adoption of the merger agreement, County's financial advisor, Boenning &amp; Scattergood, Inc. (&quot;Boenning&quot;), delivered
a written opinion, dated March 22, 2019, to the County board of directors, based upon and subject to the analysis and qualifications
set forth therein, as of the date of the opinion, the exchange ratio to be received by the holders of County common stock pursuant
to the merger is fair, from a financial point of view, to holders of County common stock. The full text of the opinion, which describes
the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by Boenning
in preparing the opinion, is attached as Annex F to this joint proxy statement and prospectus. <B>The opinion was for the information
of, and was directed to, the County board of directors (in its capacity as such) in connection with its consideration of the financial
terms of the merger. The opinion did not address the underlying business decision of County to engage in the merger or enter into
the merger agreement or constitute a recommendation to the County board of directors in connection with the merger, and it does
not constitute a recommendation to any holder of County common stock or any shareholder of any other entity as to how to vote in
connection with the merger or any other matter.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Interests of Certain ChoiceOne Directors and Executive
Officers in the Merger (see page 62)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In considering the
recommendation of the ChoiceOne board of directors that ChoiceOne shareholders vote to approve the proposals submitted for the
ChoiceOne shareholder vote set forth in this joint proxy statement and prospectus, ChoiceOne shareholders should be aware that
ChoiceOne's directors and executive officers have interests in the merger that are different from, or in addition to, those of
ChoiceOne's shareholders generally. The ChoiceOne board of directors was aware of and considered these interests, among other matters,
in evaluating the merger agreement and the merger and in recommending that it shareholders approve the proposals submitted for
the ChoiceOne shareholder vote set forth in this joint proxy statement and prospectus.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger will
constitute a &quot;change in control&quot; of ChoiceOne for the purposes of ChoiceOne's stock incentive plan. All unvested stock
options and other stock-based awards held by ChoiceOne directors and executive officers will become fully vested as of the effective
time of the merger, except for stock-based awards granted in connection with ChoiceOne's 2019 annual compensation cycle.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The
merger agreement provides that, upon completion of the merger, the board of directors of ChoiceOne will consist of
fourteen directors, which will include seven directors designated by ChoiceOne. ChoiceOne anticipates that the seven
directors designated by ChoiceOne will include members of ChoiceOne's current board of directors, to be determined prior to
the effective time of the merger. The merger agreement also provides that, upon completion of the merger, Paul L. Johnson,
the Chairman of the ChoiceOne board of directors, will continue to serve as the Chairman of the board of directors of
the combined company after the merger and Kelly J. Potes, the President and Chief Executive Officer of ChoiceOne, will
continue to serve as the Chief Executive Officer of the combined company after the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Kelly J. Potes is
party to a change in control agreement with ChoiceOne under which Mr. Potes is entitled to certain cash payments upon a change
in control and a qualifying termination. In connection with the closing of the merger, it is expected that Kelly J. Potes will
enter into an employment agreement with ChoiceOne, which will become effective as of the effective time of the merger and will
supersede Mr. Potes' existing change in control agreement with ChoiceOne. It is expected that such employment agreement will contain
customary provisions, including those related to salary, severance payments upon the occurrence of certain events, confidentiality
and noncompetition and nonsolicitation, and will be substantially similar to the employment agreement entered into between ChoiceOne
and Mr. Burke, described below. Mr. Potes is not expected to receive any payments in connection with the merger under his existing
change in control agreement or his expected employment agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I></I></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Interests of Certain County Directors and Executive Officers
in the Merger (see page 63)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In considering
the recommendation of the County board of directors that County shareholders vote to approve the proposals submitted for the County
shareholder vote set forth in this joint proxy statement and prospectus, County shareholders should be aware that County's directors
and executive officers have interests in the merger that are different from, or in addition to, those of County's shareholders
generally. The County board of directors was aware of and considered these interests, among other matters, in evaluating the merger
agreement and the merger and in recommending that its shareholders approve the proposals submitted for the County shareholder
vote set forth in this joint proxy statement and prospectus.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
provides that, upon completion of the merger, the board of directors of ChoiceOne will consist of fourteen directors, which will
include seven directors designated by County. County anticipates that the seven directors designated by County will include members
of County's current board of directors, to be determined prior to the effective time of the merger. The merger agreement also provides
that, upon completion of the merger, Bruce J. Cady, the Chairman and Chief Executive Officer of County will serve as the Vice Chairman
of the board of directors of the combined company after the merger and Michael J. Burke, the President and Chief Operating Officer
of County, will serve as President of the combined company after the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County has existing
employment agreements with Bruce J. Cady and Michael J. Burke, under which each of Mr. Cady and Mr. Burke is entitled to receive
certain payments upon his termination of employment following a change in control. In connection with the merger agreement, Michael
J. Burke entered into an employment agreement with ChoiceOne, to become effective as of the effective time of the merger and which
will supersede Mr. Burke's existing employment agreement. Also in connection with the merger agreement, Mr. Cady entered into a
transition agreement with ChoiceOne, to become effective as of the effective time of the merger and which will supersede Mr. Cady's
existing employment agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0; letter-spacing: 0.25pt; text-indent: 0in"><FONT STYLE="letter-spacing: 0pt">Voting
by Directors and Executive Officers and Voting Agreements</FONT> (see page 67)</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the close
of business on the record date for the ChoiceOne special meeting, ChoiceOne directors, executive officers and their affiliates
were entitled to vote <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">256,712
shares of ChoiceOne common stock, or approximately 7.1% of ChoiceOne common stock outstanding on that date. At the close of business
on the record date for the County special meeting, County directors, executive officers and their affiliates were entitled to
vote 164,922 shares of County common stock, or approximately 9.4% of County common stock outstanding on that date</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne's
and County's directors have entered into voting agreements obligating them to vote their shares in favor of the merger agreement,
subject to limited exceptions. At the close of business on the record date for the ChoiceOne special meeting, ChoiceOne directors
were entitled to vote <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">208,352
shares of ChoiceOne common stock, or approximately 5.7% of ChoiceOne common stock outstanding on that date. At the close of business
on the record date for the County special meeting, County directors were entitled to vote 164,788 shares of County common stock,
or approximately 9.4% of County common stock outstanding on that date</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Regulatory Approval Required for the Merger (see page
66)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Approval of
the Board of Governors of the Federal Reserve System (&quot;Federal Reserve Board&quot;) is required to complete the merger. The
application to obtain such approval was filed by ChoiceOne on May 16, 2019, and approval was obtained on July 2, 2019.&nbsp; <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">If
the merger is not completed by October 2, 2019, ChoiceOne and County will be required to seek an extension of the approval.&nbsp;
While ChoiceOne and County are not aware of any reasons why such extension would not be granted, we cannot assure you that any
extension of the approval would be obtained or that the granting of any such extension would not involve the imposition of additional
conditions on completion of the merger</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Conditions to Completion of the Merger (see page 79)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
obligations of ChoiceOne and County to complete the merger are subject to the satisfaction of outstanding conditions, including:</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the approval of each of the merger
agreement and the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of common stock
from 7,000,000 to 12,000,000 by holders of a majority of the outstanding shares of ChoiceOne common stock;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the approval of the merger agreement
by holders of a majority of the outstanding shares of County common stock;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the declaration of effectiveness
by the SEC of the registration statement of which this joint proxy statement and prospectus forms a part, which registration statement
must not be subject to any stop order or proceedings initiated or threatened by the SEC for such purpose;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the absence of any order, injunction
or decree issued by any court or agency of competent jurisdiction, or any other legal restraint or prohibition, preventing consummation
of the merger, and the absence of any law, regulation, order or decree prohibiting or making illegal the consummation of the merger;
and</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the receipt and effectiveness of
all required regulatory approvals, the expiration of all statutory notice and waiting periods in respect of such regulatory approval,
and the absence of any condition or restriction in connection with any such regulatory approval that would have a material adverse
effect on the surviving corporation.</FONT></LI>

</UL>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
addition, each of ChoiceOne's and County's obligations to effect the merger is subject to the satisfaction or waiver of additional
conditions relating to the accuracy of the other party's representations and warranties, the performance of the other party's
covenants, the absence of a material adverse effect on the other party and certain other matters.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>No Solicitation of Alternative Proposals (see page 75)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If ChoiceOne or
County receives an unsolicited acquisition proposal from a third party and the receiving party's board of directors, among other
things, determines in good faith (after consultation with its legal and financial advisors) that such unsolicited proposal is or
is reasonably likely to result in a superior proposal to the merger, then the receiving party may furnish non-public information
to and enter into discussions with that third party regarding the alternative acquisition proposal. Otherwise, the merger agreement
generally precludes either ChoiceOne or County from directly soliciting or engaging in discussions or negotiations with a third
party with respect to an alternative acquisition proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Termination of the Merger Agreement (see page 80)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
may mutually agree to terminate the merger agreement at any time, notwithstanding approval of the merger agreement by shareholders.
Either company may also terminate the merger agreement if the merger is not consummated by December 31, 2019, subject to certain
exceptions. In addition, either ChoiceOne or County may terminate the merger agreement to enter into a definitive agreement with
respect to a superior proposal, subject to certain conditions and the payment of a termination fee, and in certain other circumstances.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Termination Fees (see page 82)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In the event of
termination of the merger agreement in connection with a takeover proposal and certain other circumstances, ChoiceOne or County,
as the case may be, may be required to pay a termination fee of $3,591,000.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Material U.S. Federal Income Tax
Consequences of the Merger and the Special Dividend (see page 86)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
expect the merger to qualify as a &quot;reorganization&quot; for U.S. federal income tax purposes within the meaning of Section
368(a) of the Code. If the merger qualifies as a reorganization, then, in general, County shareholders who exchange their County
common stock for ChoiceOne common stock will not recognize any gain or loss for U.S. federal income tax purposes upon that exchange.
However, County shareholders who receive cash in lieu of any fractional share of ChoiceOne common stock will recognize taxable
gain or loss on that exchange in an amount equal to the difference between the cash received for such fractional share and such
shareholder's tax basis in its shares of County common stock allocable to that fractional share.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition, as
part of the merger, the ChoiceOne board of directors expects to declare and pay a special cash dividend of $0.60 per share to
ChoiceOne shareholders prior to the effective time of the merger. It is expected that such distribution, if made, will constitute
a dividend to the extent of a shareholder's allocable share of ChoiceOne's undistributed current or accumulated earnings and profits.
Distributions treated as dividends generally will be taxable as ordinary income to you but may qualify to be treated as &quot;qualified
dividend income&quot; if certain requirements are met. Qualified dividend income received by individuals and other non-corporate
shareholders are currently taxed for federal income tax purposes at a rate not to exceed 20%. Distributions in excess of ChoiceOne's
undistributed current or accumulated earnings and profits will represent first a return of capital for U.S. federal income tax
purposes to the extent of a ChoiceOne shareholder's tax basis in their shares of ChoiceOne common stock and will generally not
be taxable to a ChoiceOne shareholder. Distributions to a ChoiceOne shareholder in excess of their tax basis in their shares of
ChoiceOne common stock and in excess of his, her or its allocable share of ChoiceOne's current or accumulated earnings and profits
will be taxable to such shareholder as capital gain. Any such capital gain will be treated as a long-term capital gain if the
ChoiceOne shareholder held his, her or its shares of ChoiceOne common stock for more than one year as of the date that such ChoiceOne
shareholder receives the distribution and will generally be subject to a reduced rate of federal income tax.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The U.S. federal
income tax consequences described above may not apply to all holders of ChoiceOne common stock. Your tax consequences will depend
on your individual situation. You are urged to consult your own tax advisor regarding the particular consequences to you of the
merger and the special dividend.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Dissenters' Rights (see page 128)</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Under Michigan law,
the holders of County common stock are entitled to dissenters' rights in connection with the merger. Holders of ChoiceOne common
stock are not entitled to dissenters' rights under Michigan law, the governing documents of ChoiceOne or otherwise.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

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<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B><A NAME="a_007"></A>Summary Historical Consolidated Financial Data of
ChoiceOne</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following tables
set forth summary selected historical consolidated financial information of ChoiceOne as of and for the three months ended March
31, 2019 and 2018 and as of and for the years ended December&nbsp;31, 2018 and 2017. The summary selected balance sheet and income
statement data as of and for the three months ended March 31, 2019 and 2018 was derived from ChoiceOne's unaudited interim consolidated
financial statements included in its Quarterly Report on Form 10-Q for the quarter ended March 31, 2019, incorporated by reference
in this joint proxy statement and prospectus. The summary selected balance sheet data as of December&nbsp;31, 2018 and 2017 and
the summary selected income statement data for the years ended December&nbsp;31, 2018 and 2017 was derived from ChoiceOne's audited
consolidated financial statements included in its Annual Report on Form 10-K for the year ended December&nbsp;31, 2018, incorporated
by reference in this joint proxy statement and prospectus. You should read this information in conjunction with ChoiceOne's consolidated
financial statements and related notes and &quot;Management's Discussion and Analysis of Financial Condition and Results of Operations&quot;
included in ChoiceOne's Quarterly Report on Form 10-Q for the quarter ended March 31, 2019 and Annual Report on Form 10-K for
the year ended December&nbsp;31, 2018.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>three months</B><BR>
<B>ended March 31,</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the years</B><BR>
<B>ended December 31,</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><I>($ in thousands, except&nbsp;per share data)</I></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 50%; line-height: 115%"><B>Income Statement Data:</B></TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">6,477</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,699</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">24,525</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">22,041</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Interest expense</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">981</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">392</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">2,461</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,478</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Net interest income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,496</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,307</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">22,064</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,563</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Provision for loan losses</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">35</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">35</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">485</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net gains (losses) on securities sales</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">34</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">(280</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Gain on sale of investment<BR>
&nbsp;&nbsp;&nbsp;book of business</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">908</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Other noninterest income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,757</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,639</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">6,886</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">7,183</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Noninterest expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">5,334</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">4,964</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">20,461</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">19,334</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Income before income tax</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,920</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,956</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8,488</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8,555</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Income tax expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">283</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">298</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,155</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,387</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,637</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,658</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">7,333</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">6,168</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Cash dividends declared per<BR>
&nbsp;&nbsp;&nbsp;common share</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.20</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.17</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.71</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.64</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Performance:</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Earnings per common share</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Basic</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.45</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.46</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">2.03</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.70</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Diluted</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.45</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.46</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">2.02</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.70</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Book value per common share<SUP>(1)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">22.85</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20.93</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">22.25</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">21.14</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Return on average assets<SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.98%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.06%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.15%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.98%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Return on average shareholders' equity<SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8.03%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8.74%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.55%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8.22%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest margin<SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.61%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.71%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.79%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.57%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest margin (tax-equivalent)<SUP>(2)(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.68%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.78%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.86%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.67%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Balance Sheet Data:</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">670,420</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">622,742</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">670,544</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">646,544</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Earning assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">613,543</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">568,770</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">607,336</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">602,027</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total loans</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">431,687</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">393,317</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">430,548</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">407,308</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total deposits</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">564,451</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">532,274</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">577,015</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">539,853</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Short-term borrowings</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,000</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">12,461</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9,800</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">27,148</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Long-term borrowings</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">225</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">259</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">233</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">268</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Shareholders' equity</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">82,702</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">75,614</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">80,477</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">76,550</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Daily Average Balance Sheet Summary</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">667,686</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">628,282</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">637,790</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">629,748</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Earning assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">608,482</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">572,516</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">582,459</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">575,199</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total loans</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">425,144</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">394,910</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">404,494</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">388,609</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total deposits</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">565,761</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">533,376</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">543,973</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">525,445</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Short-term borrowings</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">19,084</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">17,135</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">15,338</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">28,207</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Long-term borrowings</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">229</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">263</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">250</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">284</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Shareholders' equity</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">81,498</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">75,863</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">76,801</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">75,026</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


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<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>three months</B><BR>
<B>ended March 31,</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the years</B><BR>
<B>ended December 31,</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><I>($ in thousands, except&nbsp;per share data)</I></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 50%; line-height: 115%"><B>Asset Quality Ratios</B></TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 5%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net loan charge-offs to average loans<SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-0.05%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-0.10%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">-0.02%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.05%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Allowance for loan losses to total<BR>
&nbsp;&nbsp;&nbsp;originated loans</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.18%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.22%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.14%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.15%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Allowance for loan losses to total<BR>
&nbsp;&nbsp;&nbsp;nonperforming loans</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">126%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">115%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">123%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">108%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Nonperforming loans to total loans</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.87%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.04%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.88%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.04%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Nonperforming assets to total assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.58%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.69%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.58%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.67%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Selected Ratios:</B></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total loans to total deposits</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">76.48%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">73.89%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">74.63%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">75.45%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Average total loans to average earning assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">69.86%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">68.98%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">69.45%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">67.56%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Noninterest income to net revenue</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">22.22%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">23.59%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">23.39%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">25.84%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Leverage ratio</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.25%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.40%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.50%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.90%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tier 1 risk-based capital ratio</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">13.05%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">13.30%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">12.90%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">12.90%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total risk-based capital ratio</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">13.95%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">14.30%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">13.80%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">13.90%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Average equity to average assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">12.21%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">12.07%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">12.04%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">11.91%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tangible shareholders' equity to tangible assets<SUP>(4)</SUP></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.50%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.16%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.16%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.93%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Dividend payout ratio</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">44.24%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">37.33%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">35.07%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">37.56%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><BR>
</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 96%; text-align: justify"><FONT STYLE="font-size: 10pt">Book value per share is calculated as total shareholders' equity at the end of the relevant period divided by the outstanding number of shares of ChoiceOne stock at the end of the relevant period.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Interim periods have been annualized.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Net interest margin is shown on a tax-equivalent basis, which is a non-GAAP financial measure. ChoiceOne calculates the GAAP-based net interest margin as interest income divided by average interest-earning assets. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(4)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">ChoiceOne calculates tangible equity as total stockholders' equity less intangible assets, net of accumulated amortization, and ChoiceOne calculates tangible assets as total assets less intangible assets, net of accumulated amortization. Tangible equity to tangible assets is a non-GAAP financial measure. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex&nbsp;H to this joint proxy statement and prospectus.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><BR>
<BR>
<BR>
<BR>
<BR></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_008"></A>Summary Historical Consolidated Financial Data of County</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">The
following tables set forth summary selected historical consolidated financial information of County as of and for the three months
ended March 31, 2019 and 2018 and as of and for the years ended December&nbsp;31, 2018 and 2017. </FONT>The summary selected balance
sheet data as of December 31, 2018 and 2017 and the summary selected income statement data for the years ended December 31, 2018
and 2017 were derived from County's audited consolidated financial statements for each respective year. The summary selected balance
sheet data as of March 31, 2019 and 2018 and the summary selected income statement data as of March 31, 2019 and 2018 were derived
from County's unaudited consolidated financial statements for each respective quarter. County's management believes that such amounts
reflect all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation of its results of operations
and financial condition as of the dates and for the interim periods indicated.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You should read
the following together with the section of this document entitled &quot;County's Management's Discussion and Analysis of Financial
Condition and Operations,&quot; beginning on page 105.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>Three Months</B><BR>
<B>Ended March 31</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the Year</B><BR>
<B>Ended December 31</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="vertical-align: top; text-align: center; line-height: 115%"><I>(Dollars in thousands, except per share data)</I></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 50%; line-height: 115%"><B>Selected Period-End Balance Sheet Data:</B></TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">636,812</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">614,843</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">616,564</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">602,033</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans held for investment</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">387,395</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">344,706</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">363,861</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">344,539</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan and lease losses&#9;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">1,690</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">1,701</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">1,697</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">1,641</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans, net</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">385,705</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">343,004</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">362,164</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">342,898</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">561,700</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">554,111</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">542,453</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">539,513</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrowings</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">9,200</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">1,507</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">11,000</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">1,521</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">64,057</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">57,371</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">60,357</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">59,257</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%"><B>Selected Period-End Income Statement Data:</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">6,135</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,552</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">22,914</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">21,034</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">697</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">347</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,969</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">934</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,438</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,205</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,945</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,100</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income after provision for loan<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;losses</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,438</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,205</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,945</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,100</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,341</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,445</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,231</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,553</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">4,769</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">4,838</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">18,040</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">18,027</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income before income tax expense</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">2,010</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,812</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8,136</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">7,626</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax expense</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">294</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">268</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,218</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">2,281</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,716</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,544</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">6,918</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,345</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%"><B>Selected Share and Per Share Data:</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings per common share&mdash;Basic</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.98</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.88</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.96</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.06</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings per common share&mdash;Diluted</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.98</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.88</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.96</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.06</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Book value per share<SUP>(1)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">36.67</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">32.84</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">34.55</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">33.92</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible book value per share<SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">35.54</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">31.50</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">33.36</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">32.53</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Weighted average common shares<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding &mdash; Basic</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Weighted average common shares<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding &mdash; Diluted</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares outstanding at end of period</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%"><B>Selected Performance Ratios:</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return on average assets<SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.10%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.01%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1.13%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.90%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Return on average stockholders' equity<SUP>(3)(5)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">11.13%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.55%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">11.95%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.15%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest margin<SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.76%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.68%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.68%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.66%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest margin (tax-equivalent)<SUP>(3)(4)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.84%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.77%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.77%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.81%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Noninterest expense to average assets<SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.07%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.18%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">2.94%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.05%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Efficiency ratio<SUP>(6)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.35%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">72.75%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">68.92%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.27%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjusted efficiency ratio<SUP>(7)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.35%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">73.43%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">68.20%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.04%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Average interest-earning assets to average<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;interest-bearing liabilities</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">131.85%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">132.07%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">132.49%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">133.41%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans to deposits</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">68.97%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">62.21%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">67.08%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">63.86%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yield on interest-earning assets<SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">4.24%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.93%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">4.02%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.85%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cost of interest-bearing liabilities<SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.64%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.32%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.46%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.24%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest rate spread<SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.60%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.61%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.56%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.61%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>Three Months</B><BR>
<B>Ended March 31</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the Year</B><BR>
<B>Ended December 31</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="vertical-align: top; text-align: center; line-height: 115%"><I>(Dollars in thousands, except per share data)</I></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 50%; line-height: 115%"><B>Asset and Credit Quality Ratios:</B></TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 5%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 10%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonperforming loans to loans held for<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investment</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.39%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.18%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.42%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.19%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonperforming assets to loans plus OREO</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.52%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.61%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.56%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.34%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonperforming assets to total assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.31%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.34%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.32%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.21%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net charge-offs (recoveries) to average<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;loans <SUP>(3)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.002%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">(0.018)%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">(0.016)%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.013%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses to<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;nonperforming loans</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">112.97%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">280.69%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">110.63%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">249.39%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses to loans held<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for investment</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.44%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.49%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.47%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0.48%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%"><B>Capital Ratios:</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Average equity to average total assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.92%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.62%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.44%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.88%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible equity to tangible assets<SUP>(5)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.78%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8.98%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.48%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.48%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 96%; text-align: justify"><FONT STYLE="font-size: 10pt">Book value per share is calculated as total stockholders' equity at the end of the relevant period divided by the outstanding number of shares of County common stock at the end of the relevant period.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Tangible book value per share is calculated as total stockholders' equity less intangible assets, net of accumulated amortization at the end of the relevant period, divided by the outstanding number of shares of County common stock at the end of the relevant period. Tangible book value per share is a non-GAAP financial measure. The most directly comparable GAAP financial measure is book value per share. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(3)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Interim periods annualized.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(4)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Net interest margin is shown on a fully taxable equivalent basis, which is a non-GAAP financial measure. County calculates the GAAP-based net interest margin as interest income divided by average interest-earning assets. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(5)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">County calculates tangible equity as total stockholders' equity less intangible assets, net of accumulated amortization, and County calculates tangible assets as total assets less intangible assets, net of accumulated amortization. Tangible equity to tangible assets is a non-GAAP financial measure. The most directly comparable GAAP financial measure is total stockholders' equity to total assets. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(6)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">County's efficiency ratio is calculated by dividing total noninterest expense, excluding credit loss provisions, by net interest income plus total noninterest income.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 10pt"><SUP>(7)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">County's adjusted efficiency ratio is calculated by excluding from noninterest income the net gains and losses on the sales of investment securities and other assets, which can vary widely from period to period. Additionally, taxes and provision for loan losses are not included in this calculation.&nbsp;&nbsp;County&rsquo;s adjusted efficiency ratio is a non-GAAP financial measure. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_009"></A>Summary Selected Pro Forma Combined Data (Unaudited)</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
shows selected financial information on a pro forma combined basis giving effect to the merger as if the merger had become effective
at the end of the period presented, in the case of balance sheet information, and at the beginning of the period presented, in
the case of income statement information. Estimated merger and integration costs expected to be incurred in conjunction with this
transaction are not included in the pro forma income statement information. The pro forma information reflects the purchase method
of accounting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The pro forma information,
while helpful in illustrating the financial characteristics of the combined organization under one set of assumptions, does not
reflect the potential benefits of the merger, and, accordingly, does not attempt to predict or suggest future results. It also
does not necessarily reflect what the historical results of the combined organization would have been had the companies been combined
as of the date and during the period presented.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; line-height: 115%"><BR>
(Dollar amounts in thousands, except per share data)</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center; font-weight: bold">As of and for the<BR>
three months ended<BR>
March 31, 2019</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>year ended</B><BR>
<B>December 31, 2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; width: 58%; line-height: 115%"><B>Pro Forma Combined Income Statement Data</B></TD>
    <TD STYLE="vertical-align: top; width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 5%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Net interest income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">10,815</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">42,431</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Provision for loan losses</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">35</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Noninterest income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3,099</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">12,151</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Operating expenses</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">10,489</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">39,999</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Income tax expense</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">471</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,937</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Net income</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2,954</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">12,611</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Net income per common share</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Basic</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.41</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1.75</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Diluted</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.41</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1.74</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><B>Pro Forma Combined Balance Sheet Data</B><SUP>(1)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Total assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,335,583</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,315,373</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Total loans</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">817,392</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">792,712</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Total deposits</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,126,151</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,119,468</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; line-height: 115%">Shareholders' equity</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: black 1pt solid; text-align: right; line-height: 115%">173,209</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">167,214</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; line-height: 115%">(1)</TD>
    <TD STYLE="width: 95%; text-align: justify; line-height: 115%">The pro forma combined per share data and balance sheet data assumes the issuance as merger consideration of approximately 3,604,171 shares of ChoiceOne common stock.&nbsp;&nbsp;This is based on the fixed exchange ratio of 2.0632 shares of ChoiceOne common stock for each share of County common stock outstanding as of the respective balance sheet date, and a market price per share of ChoiceOne common stock of $25.00 as of December&nbsp;31, 2018 and $25.98 as of March 31, 2019.&nbsp;&nbsp;The number of shares to be issued is subject to adjustment in certain limited circumstances.</TD></TR>
</TABLE>
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<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_010"></A>Comparative Per Share Data (Unaudited) </B></P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following
table shows information about earnings per share, dividends paid per share, and book value per share, on a historical basis and
on a pro forma combined and pro forma equivalent per share basis.</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: bottom; line-height: 115%"><I>Comparative Per Share Data</I></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<BR>
<B>ChoiceOne</B><BR>
<B>Historical</B></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<BR>
<B>County</B><BR>
<B>Historical</B></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<B>Pro Forma</B><BR>
<B>Combined</B><BR>
<B>(1)(2)</B></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Equivalent</B><BR>
<B>Pro Forma</B><BR>
<B>Per Share</B><BR>
<B>of County</B><BR>
<B>(3)</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; width: 44%; line-height: 115%">Three Months ended March 31, 2019:</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 9%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 9%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Basic earnings</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.45</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.98</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.41</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.85</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Diluted earnings</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.45</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.98</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.41</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.85</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Cash dividends paid</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.20</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.37</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.20</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.41</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Tangible book value</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">19.06</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">35.54</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">17.31</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">35.71</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">Year ended December 31, 2018:</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Basic earnings</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2.03</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3.96</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1.75</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3.61</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Diluted earnings</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2.02</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3.96</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1.74</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3.59</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Cash dividends paid</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.71</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2.00</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.71</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1.46</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;&nbsp;&nbsp;Tangible book value</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">18.46</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">33.36</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">16.44</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">33.92</TD></TR>
</TABLE>


<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0">__________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; line-height: 115%">(1)</TD>
    <TD STYLE="width: 97%; text-align: justify; line-height: 115%">The pro forma combined earnings per share amounts were calculated by totaling the historical earnings of ChoiceOne and County, adjusted for purchase accounting entries, and dividing the resulting amount by the average pro forma shares of ChoiceOne and County, giving effect to the merger as if it had occurred as of the beginning of the period presented, excluding any merger transaction costs.&nbsp;&nbsp;The pro forma combined tangible book value amount, however, does include the impact of estimated contractually obligated merger costs due upon completion of the merger.&nbsp;&nbsp;The average pro forma shares of ChoiceOne and County reflect historical basic and diluted shares, plus historical basic and diluted average shares of County, as adjusted based on the fixed exchange ratio of 2.0632 shares of ChoiceOne common stock for each share of County common stock.&nbsp;&nbsp;The number of shares to be issued is subject to adjustment in certain limited circumstances.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">(2)</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Pro forma combined cash dividends paid represents ChoiceOne's historical amounts only.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">(3)</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The equivalent pro forma per share amounts of County were calculated by multiplying the pro forma combined amounts by the fixed exchange ratio of 2.0632 shares of ChoiceOne common stock for each share of County common stock.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_011"></A>Comparative Market Prices</B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table shows the high, low and closing sale prices of ChoiceOne common stock and County common
stock as <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">quoted for trading on the
OTC Pink Market, and dividends paid by each of ChoiceOne and County, for each of the quarterly periods presented. The over-the-counter
market quotations reflect inter-dealer prices without retail markup, markdown or commission and may not necessarily represent actual
transactions</FONT>.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>ChoiceOne Common Stock</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>County Common Stock</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 31%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>High</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Low</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Closing</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Dividend</B></TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>High</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Low</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Closing</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Dividend (1)</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="line-height: 115%"><B>2019</B></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;First Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;25.98</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;24.50</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;25.98</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;0.20</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;48.70</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;44.50</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;48.70</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;0.37</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="line-height: 115%"><B>2018</B></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;First Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">23.14</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.41</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">23.14</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.17</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">43.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">40.05</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">42.70</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.33</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Second Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">26.50</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.81</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">26.25</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.18</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">44.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">41.85</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">43.65</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.34</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Third Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">29.99</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">26.15</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">27.15</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.18</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">46.75</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">43.65</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">45.50</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.35</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Fourth Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">27.95</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">24.75</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">25.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.18</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">49.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">44.05</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">47.50</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.98</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%"><B>2017</B></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;First Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.22</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.41</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.88</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.16</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">43.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">34.75</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">39.75</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.29</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Second Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.85</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.64</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">21.57</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.16</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">41.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">39.01</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">39.75</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.30</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: #CCEEFF">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Third Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.43</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.90</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.38</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.16</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">42.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">39.25</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">41.00</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.31</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;Fourth Quarter</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.95</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.98</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.37</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.16</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">41.75</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">39.25</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">40.05</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.72</TD></TR>
</TABLE>
<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0">__________________________</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; line-height: 115%">(1)</TD>
    <TD STYLE="width: 97%; text-align: justify; line-height: 115%">The amount listed for 2018 Fourth Quarter reflects a regular dividend of $0.36 and a special dividend of $0.62, and the amount listed for 2017 Fourth Quarter reflects a regular dividend of $0.32 and a special dividend of $0.40.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 10pt 0; text-align: justify; text-indent: 0.5in">The table
below sets forth the closing sale prices of each of ChoiceOne and County common stock on (a)&nbsp;March 22, 2019, the last trading
day before the merger agreement was announced, and (b) August 2, 2019, the last practicable trading date before the date of this
joint proxy statement and prospectus. The table also sets forth, for each date, the equivalent price per share of County common
stock, which was calculated by multiplying the exchange ratio of 2.0632 by the closing price of ChoiceOne common stock on such
date.</P>



<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 90%; font: 10pt Times New Roman, Times, Serif; background-color: white; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; background-color: Transparent">
    <TD STYLE="width: 21%; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 26%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ChoiceOne
                                         </B></P>
        <P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Common Stock</B></P></TD>
    <TD STYLE="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 24%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>County </B></P>
        <P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Common Stock</B></P></TD>
    <TD STYLE="width: 2%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 24%; border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><B>Equivalent
    Price per Share of County Common Stock</B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%">March 22, 2019</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">$24.70</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">$45.55</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">$50.96</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%">August 2, 2019</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">$29.02</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">$56.50</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%">$59.87</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 6pt 0.5in 10pt 0; text-align: justify"></P><P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 6pt 0.5in 10pt 0; text-align: justify">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_012"></A>SPECIAL NOTE&nbsp;REGARDING FORWARD-LOOKING
STATEMENTS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This joint proxy
statement and prospectus and the documents incorporated by reference into this joint proxy statement and prospectus contain forward-looking
statements regarding ChoiceOne's and County's outlook or expectations with respect to the merger, including the expected costs
to be incurred and cost savings to be realized in connection with the merger, the expected impact of the merger on ChoiceOne's
future financial performance (including anticipated accretion to earnings per share and tangible book value earn back period),
the assumed purchase accounting adjustments, other key transaction assumptions, the timing of the closing of the merger, and consequences
of County's integration into ChoiceOne. Words such as &quot;anticipated,&quot; &quot;believes,&quot; &quot;estimated,&quot; &quot;expected,&quot;
&quot;projected,&quot; &quot;assumed,&quot; &quot;approximately,&quot; &quot;continued,&quot; &quot;should,&quot; &quot;will&quot;
and variations of such words and similar expressions are intended to identify such forward-looking statements. Pro forma financial
information is not a guaranty of future results and is presented for informational purposes only.&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Forward-looking
statements are not guarantees of future financial performance and are subject to risks, uncertainties and assumptions (&quot;risk
factors&quot;) that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual
results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements. Neither
ChoiceOne nor County assumes any duty to update, amend or clarify forward-looking statements, whether as a result of new information,
future events or otherwise.&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Risk factors relating
both to the merger and the integration of County into ChoiceOne after closing include, without limitation and in addition to those
set forth elsewhere in this joint proxy statement and prospectus:&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">


<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the failure of either ChoiceOne
or County to obtain shareholder approval, or to satisfy any of the other closing conditions to the transaction on a timely basis
or at all;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the occurrence of any event, change
or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the ability of ChoiceOne to successfully
combine and integrate the businesses of ChoiceOne and County;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the possibility that the anticipated
benefits of the transaction, including anticipated cost savings and strategic gains, are not realized when expected or at all,
including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength
of the economy, competitive factors in the areas where ChoiceOne and County do business, or as a result of other unexpected factors
or events;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the impact of purchase accounting
with respect to the transaction, or any change in the assumptions used regarding the assets purchased and liabilities assumed
to determine their fair value;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">risks related to the integration
of any acquired businesses, including exposure to potential asset quality and credit quality risks and unknown or contingent liabilities,
the time and costs associated with integrating systems, technology platforms, procedures and personnel, the need for additional
capital to finance such transactions and possible failures in realizing the anticipated benefits from acquisitions;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">diversion of management's attention
from ongoing business operations and opportunities;</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">potential adverse reactions or changes
to business or employee relationships, including those resulting from the announcement or completion of the transaction; and</FONT></LI>

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the outcome of any legal proceedings
that may be instituted against ChoiceOne or County.</FONT></LI>

</UL>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition, risk
factors include, but are not limited to, the risk factors described in ChoiceOne's Annual Report on Form 10-K for the year ended
December 31, 2018. These and other factors are representative of the risk factors that may emerge and could cause a difference
between an ultimate actual outcome and a forward-looking statement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_013"></A>NON-GAAP FINANCIAL MEASURES</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition to financial
measures presented in accordance with generally accepted accounting principles (&quot;GAAP&quot;), this joint proxy statement and
prospectus and the documents incorporated by reference herein include certain non-GAAP financial measures. Non-GAAP financial measures
include financial measures that exclude or include amounts, or are subject to adjustments that have the effect of excluding or
including amounts, that are otherwise included or excluded, as the case may be, in the most directly comparable measure calculated
and presented in accordance with GAAP as in effect from time to time in the United States in a company's statements of income,
balance sheets or statements of cash flows. Non-GAAP financial measures do not include other operating and statistical measures,
or ratios or statistical measures calculated using exclusively financial measures calculated in accordance with GAAP.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
each believe that the non-GAAP financial measures presented in this joint proxy statement and prospectus and the documents incorporated
by reference herein provide additional information that is useful to investors in helping to understand the underlying financial
performance of ChoiceOne and County. The non-GAAP financial measures set forth in this joint proxy statement and prospectus and
the documents incorporated by reference herein should not be considered in isolation or as a substitute for the most directly comparable
or other financial measures calculated in accordance with GAAP. Non-GAAP financial measures have inherent limitations, which are
not required to be uniformly applied and are not audited. Readers should be aware of these limitations and should be cautious with
respect to the use of such measures. Moreover, the manner in which ChoiceOne or County calculates the non-GAAP financial measures
that it discusses in this joint proxy statement and prospectus and the documents incorporated by reference herein may differ from
the manner in which other banking organizations calculate measures with similar names. You should understand how such other banking
organizations calculate their financial measures similar to, or with names similar to, the non-GAAP financial measures in this
joint proxy statement and prospectus and the documents incorporated by reference herein when comparing such non-GAAP financial
measures.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Where non-GAAP financial measures are used herein, the most directly comparable
GAAP financial measure, as well as the reconciliation to the most directly comparable GAAP financial measure, can be found in
Annex H to this joint proxy statement and prospectus.</FONT></P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B><A NAME="a_014"></A>RISK FACTORS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>In addition to
the other information contained in or incorporated by reference into this joint proxy statement and prospectus, including the risk
factors included in ChoiceOne's Annual Report on Form 10-K for the year ended December 31, 2018 and the matters addressed in this
joint proxy statement and prospectus under the heading &quot;Special Note Regarding Forward-Looking Statements,&quot; you should
carefully consider the following risk factors in deciding how to vote on the merger agreement.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The value of the merger consideration
will fluctuate with the price of ChoiceOne common stock and County shareholders cannot be certain of the market value of the merger
consideration they will receive.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Upon completion
of the merger, each share of County common stock will be converted into the right to receive merger consideration consisting of
2.0632 shares of ChoiceOne common stock and cash in lieu of any fractional share pursuant to the terms of the merger agreement.
There will be no adjustment made to the merger consideration as a result of fluctuations in the market price of ChoiceOne common
stock or County common stock. As a result, it is possible that the value of any ChoiceOne common stock that a County shareholder
receives in the merger will be different than the value of such shares on the date that the County board of directors and the ChoiceOne
board of directors adopted the merger agreement, on the date of the information concerning stock value presented in this joint
proxy statement and prospectus, on the date that you vote to approve the merger agreement, and on the date the merger is completed.
Stock price changes may result from a variety of factors, including general market and economic conditions, changes in ChoiceOne's
or County's business, operations and prospects, and regulatory considerations. Many of these factors are beyond ChoiceOne's and
County's control. Accordingly, at the time of the ChoiceOne or the County special meeting, as applicable, you will not necessarily
know or be able to calculate the exact value of the shares of ChoiceOne common stock the County shareholders will receive upon
completion of the merger. You should obtain current market quotations for shares of ChoiceOne common stock and for shares of County
common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><B><I>Anticipation of the special
dividend may cause upward pressure on or support of the price of ChoiceOne common stock as investors purchase or hold shares to
collect the expected special dividend. The price of ChoiceOne common stock may decline on or after the ex-dividend date or payment
date of the dividend. </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">As part of
the merger, the ChoiceOne board of directors expects to declare and pay a special cash dividend of $0.60 per share to ChoiceOne
shareholders prior to the effective time of the merger, subject to the satisfaction of the closing conditions set forth in the
merger agreement. Anticipation of the special dividend may cause upward pressure on or support of the price of ChoiceOne common
stock as investors purchase or hold shares to collect the expected special dividend. The price of ChoiceOne common stock may decline
on or after the ex-dividend date or payment date of the dividend because the shareholders' equity of ChoiceOne will decrease by the
amount of the distribution.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><B><I>Regulatory approvals may
not be received, may take longer to receive than expected, or may impose conditions that are not presently anticipated.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Before the merger
may be completed, regulatory approvals must be obtained from the Federal Reserve Board. The Federal Reserve Board will consider,
among other factors, the competitive impact of the merger, County's and ChoiceOne's financial and managerial resources, the convenience
and needs of the communities to be served, capital position, safety and soundness, legal and regulatory compliance matters, and
Community Reinvestment Act matters, and may impose conditions, limitations, obligations or restrictions on the conduct of the combined
company's business or require changes to the terms of the merger agreement. There can be no assurance as to whether regulatory
approvals will be received, the timing of those approvals or whether any conditions, limitations, obligations or restrictions will
be imposed and, if imposed, whether such conditions, limitations, obligations or restrictions will have the effect of preventing
or materially delaying the completion of the merger, imposing additional material costs on or materially limiting the revenues
of the combined company following the merger or otherwise materially reducing the anticipated benefits of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The required regulatory
approvals were obtained on July 2, 2019. If the merger is not completed by October 2, 2019, ChoiceOne and County will be required
to seek an extension of the approval.&nbsp; While ChoiceOne </P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">and County are not aware of any reasons why such extension would not
be granted, we cannot assure you that any extension of the approval would be obtained or that the granting of any such extension
would not involve the imposition of additional conditions on completion of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Each party is subject to business
uncertainties and contractual restrictions while the merger is pending, which could adversely affect each party's business and
operations.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Uncertainty about
the effect of the merger on employees and customers may have an adverse effect on ChoiceOne and County. These uncertainties may
impair ChoiceOne's and County's ability to attract, retain and motivate key personnel until the merger is consummated. Retention
of certain employees by ChoiceOne and County may be challenging during the pendency of the merger, as certain employees may experience
uncertainty about their future roles with the combined company. If key employees depart because of issues relating to the uncertainty
and difficulty of integration or a desire not to remain with ChoiceOne, ChoiceOne's business following the merger could be harmed.
In addition, uncertainties related to the merger could cause customers and others that deal with ChoiceOne or County to seek to
change existing business relationships with ChoiceOne or County, or delay or defer certain business decisions with respect to ChoiceOne
or County, which could negatively affect ChoiceOne's or County's respective revenues, earnings and cash flows, as well as the market
price of ChoiceOne common stock or County common stock, regardless of whether the merger is completed. Furthermore, the merger
agreement restricts each of ChoiceOne and County from taking specified actions without the consent of the other until the merger
occurs or the merger agreement is terminated. These restrictions may prevent ChoiceOne and County from pursuing attractive business
opportunities that may arise prior to the completion of the merger. See &quot;The Merger Agreement &#8211; Conduct of Business
Pending the Completion of the Transaction&quot; for a summary of certain of the contractual restrictions to which ChoiceOne and
County are subject.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Combining the two companies may
be more difficult, costly or time-consuming than we expect.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The difficulties
of merging the operations of County with those of ChoiceOne include, among others, integrating personnel with diverse business
backgrounds, combining different corporate cultures, retaining key employees, and converting operating systems. The process of
integrating operations could cause an interruption of, or loss of momentum in, the activities of the companies, and the loss of
key personnel. The diversion of management's attention and any delays or difficulties encountered in connection with the merger
and integration of County into ChoiceOne could have an adverse effect on the business and results of operations of County or ChoiceOne.
As with any merger of banking institutions, there also may be business disruptions that cause the banks to lose customers or cause
customers to take their deposits out of the banks. The success of the combined company following the merger may depend in large
part on the ability to integrate the two businesses, including their business models, employees, cultures and operating systems.
Inability to integrate our operations successfully and in a timely manner could result in the expected benefits of the merger not
being realized.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>ChoiceOne shareholders' and County
shareholders' percentage ownership of the combined company will be much smaller than their percentage ownership of ChoiceOne or
County individually.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne shareholders
currently have the right to vote in the election of the ChoiceOne board of directors and on other matters affecting ChoiceOne,
and County shareholders currently have the right to vote in the election of the County board of directors and on other matters
affecting County. When the merger occurs, each County shareholder will become a shareholder of ChoiceOne, and each of the ChoiceOne
shareholders and County shareholders will have a percentage ownership of the combined organization that is much smaller than the
shareholder's percentage ownership of either ChoiceOne or County individually. Because of this, each of the ChoiceOne shareholders
and County shareholders will have less influence on the management and policies of the combined company than they now have on
the management and policies of ChoiceOne or County individually. Based on the number of shares of ChoiceOne common stock and County
common stock outstanding at the close of business on the record date, <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">July
25, 2019, and based on the number of shares of ChoiceOne common stock expected to be issued in the merger, the current shareholders
of County as a group will be entitled to receive shares in the merger constituting approximately 49.9% of the outstanding shares
of ChoiceOne common stock immediately after the merger, excluding outstanding ChoiceOne stock options and restricted stock units.
As a result, current shareholders of ChoiceOne as a group will own approximately 50.1% of the outstanding shares of ChoiceOne
common stock immediately after the merger, excluding outstanding ChoiceOne stock options and restricted stock </FONT></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font: 10pt/115% Times New Roman, Times, Serif">units. Because of
this, each of the ChoiceOne shareholders and County shareholders will have less influence on the management and policies of the
combined company than they now have on the management and policies of ChoiceOne or County individually.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I></I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The market price of ChoiceOne's
common stock following the merger may be affected by factors different from those affecting the market prices of County's common
stock or ChoiceOne's common stock prior to the merger.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The businesses of
ChoiceOne and County differ, and therefore the results of operations of the combined company and the market price of ChoiceOne's
common stock after completion of the merger may be affected by factors different from those affecting the results of operations
and market prices of County's common stock or ChoiceOne's common stock prior to the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The merger agreement limits ChoiceOne's
and County's abilities to pursue alternatives to the merger.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
contains provisions that limit the ability of ChoiceOne and County to encourage or consider competing third-party proposals related
to an alternative transaction. These provisions, which include a $3,591,000 termination fee payable under certain circumstances,
might discourage a potential competing acquirer that might have an interest in acquiring all or a significant part of ChoiceOne
or County from considering or proposing that acquisition even, in the case of County, if it were prepared to pay consideration
with a higher per share market price than that proposed in the merger, or might result in a potential competing acquirer proposing
to pay a lower per share price to acquire ChoiceOne or County than it might otherwise have proposed to pay.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The merger agreement may be terminated
in accordance with its terms and the merger may not be completed, which could have a negative impact on ChoiceOne and County. </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
is subject to a number of customary closing conditions that must be fulfilled in order to complete the merger. Those conditions
include completion of the merger by December 31, 2019 (subject to certain exceptions), receipt of ChoiceOne shareholder approval
and County shareholder approval, declaration of effectiveness by the SEC of the registration statement of which this joint proxy
statement and prospectus is a part, absence of any order, injunction, decree, or other legal restraint or prohibition preventing
consummation of the merger or making the merger illegal, receipt of regulatory approvals, continued accuracy of certain representations
and warranties by both parties and performance by both parties of certain covenants and agreements.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If the merger agreement
is terminated, there may be various consequences to ChoiceOne and County including:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">ChoiceOne's business and County's
business may have been adversely impacted by the failure to pursue other beneficial opportunities due to the focus of management
on the merger without realizing any of the anticipated benefits of completing the merger; and</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">ChoiceOne and County may have incurred
substantial expenses in connection with the merger without realizing any of the anticipated benefits of completing the merger.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If the merger agreement
is terminated and the County board of directors seeks another merger or business combination, under certain circumstances County
is required to pay ChoiceOne a $3,591,000 termination fee. If the merger agreement is terminated and the ChoiceOne board of directors
seeks another merger or business combination, under certain circumstances ChoiceOne is required to pay County a $3,591,000 termination
fee. ChoiceOne shareholders and County shareholders cannot be certain that either ChoiceOne or County would be able to find a party
willing to enter into a transaction on terms equally favorable to or more favorable than the terms of the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The unaudited pro forma condensed combined
financial information included in this document is preliminary and the actual financial condition and results of operations of
ChoiceOne after the merger may differ materially.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The unaudited pro forma
condensed combined financial information in this document is presented for illustrative purposes only and is not necessarily indicative
of what ChoiceOne's actual financial condition or results</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">of operations would have been had the merger
been completed on the dates indicated. The preparation of the pro forma financial information is based upon available information
and certain assumptions and estimates that ChoiceOne and County believe are reasonable. The unaudited pro forma condensed combined
financial information reflects adjustments, which are based upon preliminary estimates, to record the County identifiable assets
acquired and liabilities assumed at fair value and the resulting goodwill recognized. The purchase price allocation reflected
in this document is preliminary, and final allocation of the purchase price will be based upon the actual purchase price and the
fair value of the assets and liabilities of County as of the date of the completion of the merger. Accordingly, the final accounting
adjustments may differ materially from the pro forma adjustments reflected in this document. For more information, see &quot;Unaudited
Pro Forma Condensed Combined Financial Information.&quot;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>We may fail to realize the cost
savings estimated for the merger.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne expects
to achieve cost savings from the merger when the two companies have been fully integrated. The cost savings estimates assume the
ability to combine the businesses of ChoiceOne and County in a manner that permits those cost savings to be realized. If the estimates
turn out to be incorrect or if ChoiceOne is not able to combine successfully the two companies, the anticipated cost savings may
not be fully realized or realized at all, or may take longer to realize than expected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The fairness opinion received by the
ChoiceOne board of directors from ProBank Austin and the fairness opinion received by the County board of directors from Boenning
&amp; Scattergood, Inc. have not been, and are not expected to be, updated to reflect any changes in circumstances that may have
occurred since the date of such opinions. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The fairness opinions of
ProBank Austin and Boenning &amp; Scattergood, Inc. were rendered to the parties' respective board of directors on March 22, 2019.
Changes in the operations and prospects of ChoiceOne or County, general market and economic conditions and other factors which
may be beyond the control of ChoiceOne and County may have altered the value of ChoiceOne or County or the market prices of shares
of ChoiceOne common stock or County common stock as of the date of this joint proxy statement and prospectus, or may alter such
values and market prices by the time the merger is completed. The opinions from ProBank Austin and Boenning &amp; Scattergood,
Inc., each dated March 22, 2019, do not speak as of any date other than the dates of such opinions.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>The merger may fail to qualify
as a reorganization for U.S. federal income tax purposes, resulting in a shareholder's recognition of taxable gain or loss in respect
of all of his or her County common stock.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
intend for the merger to qualify as a reorganization within the meaning of Section&nbsp;368(a) of the Code. The Internal Revenue
Service (&quot;IRS&quot;) will not provide a ruling on the matter. Each of ChoiceOne and County will, as a condition to closing,
obtain an opinion from counsel that the merger will constitute a reorganization for U.S. federal income tax purposes. However,
these opinions do not bind the IRS or prevent the IRS from adopting a contrary position.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If the merger fails
to qualify as a reorganization, County shareholders generally would recognize gain or loss on each share of County common stock
surrendered in an amount equal to the difference between the shareholder's adjusted tax basis in that share and the fair market
value of the ChoiceOne common stock received in exchange for that share upon completion of the merger. If the merger qualifies
as a reorganization, County shareholders will recognize taxable gain with respect to any amount of cash, including cash in lieu
of fractional shares, received upon completion of the merger in exchange for their shares of County common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Litigation may be filed against ChoiceOne, County,
and their respective boards of directors that could prevent or delay the completion of the merger or result in the payment of damages
following completion of the merger. </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
the merger, it is possible that shareholders of ChoiceOne or County may file putative shareholder class action lawsuits against
ChoiceOne, County, or their respective boards of directors. Among other remedies, the plaintiffs may seek to enjoin the merger.
The outcome of any such litigation is uncertain. If any such litigation is not resolved, such lawsuits could prevent or delay completion
of the merger and could result in substantial costs to ChoiceOne and County, including any costs associated with indemnification.
The defense or settlement of any lawsuit or claim that remains unresolved at the time the merger is consummated may adversely</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">affect
the business, financial condition, results of operations, cash flows and market price of ChoiceOne, County or the combined company.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Additional Risks Relating to
ChoiceOne's business.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Investing in ChoiceOne's
common stock involves risks. You should read and consider risk factors specific to ChoiceOne's business that will also affect the
combined company after the merger. These risks are described in the sections entitled &quot;Risk Factors&quot; in ChoiceOne's Annual
Report on Form 10-K for the fiscal year ended December 31, 2018 and in other documents incorporated by reference into this joint
proxy statement and prospectus. Please see &quot;Where You Can Find More Information&quot; for the location of information incorporated
by reference into this joint proxy statement and prospectus.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><BR STYLE="clear: both">
</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_015"></A>THE
CHOICEONE PROPOSALS</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_016"></A>ChoiceOne Proposal 1 &#8211; Approval
of the Merger Agreement</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the ChoiceOne
special meeting, the ChoiceOne shareholders will be asked to approve the merger agreement. Holders of ChoiceOne common stock should
read this joint proxy statement and prospectus carefully and in its entirety, including the Annexes, for more detailed information
concerning the merger agreement and the merger. A copy of the merger agreement is attached to this joint proxy statement and prospectus
as Annex A.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">After careful consideration,
the ChoiceOne board of directors adopted the merger agreement, authorized and approved the merger and the transactions contemplated
by the merger agreement and determined the merger agreement and the merger to be advisable and in the best interests of ChoiceOne
and its shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ChoiceOne
board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_017"></A>ChoiceOne Proposal 2 &#8211; Approval
of the Amendment to ChoiceOne's Articles of Incorporation to Increase the Number of Authorized Shares of Common Stock</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the ChoiceOne
special meeting, ChoiceOne shareholders will be asked to approve a proposal to amend ChoiceOne's Articles of Incorporation to increase
the number of authorized shares of ChoiceOne common stock from 7,000,000 to 12,000,000. A copy of the proposed amendment to ChoiceOne's
Articles of Incorporation is attached to this joint proxy statement and prospectus as Annex B. Approval of this proposal is a condition
to the closing of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of the close of business on the record date, July 25, 2019, ChoiceOne had no shares of ChoiceOne preferred
stock and 3,632,917&nbsp;shares of ChoiceOne common stock issued and outstanding. As of the close of business on the record
date, July 25, 2019, there were approximately&nbsp;101,730 shares of ChoiceOne common stock reserved for issuance under various
equity plans of ChoiceOne. Based on the number of shares of County common stock outstanding as of such date, if the merger is completed,
ChoiceOne would be required to issue approximately&nbsp;3,604,171&nbsp;additional shares of ChoiceOne common stock to the County
shareholders. As there are an insufficient number of authorized and unissued shares of ChoiceOne common stock available to issue
such shares to County, authorization of additional shares of ChoiceOne common stock is necessary to complete the merger. Further,
the ChoiceOne board of directors believes that it is advisable to have additional authorized shares of common stock available for
important corporate purposes, such as to provide the ability to react quickly to strategic opportunities and to attract and retain
talented employees through the use of equity incentive compensation. Although there are no present plans or commitments for the
issuance of any of the additional shares that would be authorized upon approval of this amendment, other than the issuance of shares
in connection with the merger, such additional shares would be available for potential stock offerings, stock splits and dividends,
acquisitions, employee benefit plans and other corporate purposes that might be proposed in the future. The additional shares of
ChoiceOne common stock will not be entitled to preemptive rights nor will existing shareholders have any preemptive right to acquire
any of those shares when issued.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">After careful consideration,
the ChoiceOne board of directors adopted and approved, subject to approval by the ChoiceOne shareholders, an amendment to ChoiceOne's
Articles of Incorporation to increase the number of authorized shares of ChoiceOne common stock from 7,000,000 to 12,000,000.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ChoiceOne
board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to amend ChoiceOne's Articles of Incorporation
to increase the number of authorized shares of ChoiceOne common stock.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_018"></A>ChoiceOne Proposal 3 &#8211; Approval
of the Amendment to ChoiceOne's Articles of Incorporation to Remove Certain Provisions Related to the Number of Directors and Vacancies
on the Board of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement provides
that upon completion of the merger, the board of directors of ChoiceOne will consist of fourteen directors, which will include
seven directors designated by ChoiceOne and seven directors </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">designated by County. The seven directors designated by each of ChoiceOne
and County, or their respective replacements, will be nominated by the
board of directors for reelection until completion of the third annual shareholder meeting of the combined company.
ChoiceOne's Articles of Incorporation currently provide for the board of directors to consist of not less than five directors
and not more than fifteen directors. The ChoiceOne board of directors may from time to time determine that it is in the best
interest of ChoiceOne and its shareholders to add additional members to its board of directors for reasons that may include,
among others, bringing a particular expertise to the board of directors or engaging in certain corporate transactions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement further
provides that, during the period beginning on the effective time of the merger and ending upon completion of the third annual shareholder
meeting of the combined company thereafter, any vacancy caused by the death, disability, resignation, or removal of a director
designated by ChoiceOne will be filled by the remaining directors designated by ChoiceOne and any vacancy caused by the death,
disability, resignation or removal of a director designated by County will be filled by the remaining directors designated by County.
The merger agreement requires that ChoiceOne use commercially reasonable efforts (as defined in the merger agreement) to obtain
the approval of ChoiceOne shareholders to an amendment of its Articles of Incorporation if necessary to reflect the foregoing.
ChoiceOne's Articles of Incorporation currently provide for any vacancy on the board of directors to be filled by a majority vote
of the remaining directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne's board of directors
believes it is advisable to remove the provisions in ChoiceOne's Articles of Incorporation regarding the number of directors and
vacancies of directors. Upon removal of such provisions from ChoiceOne's Articles of Incorporation, the board of directors will
cause ChoiceOne's Bylaws to be amended to address vacancies of directors and to set the number of directors at fourteen. Including
these provisions in ChoiceOne's Bylaws rather than its Articles of Incorporation will provide ChoiceOne additional flexibility
with respect to revising those provisions in the future and will allow ChoiceOne's board of directors to cause such provisions
as inserted in ChoiceOne's Bylaws to comply with the merger agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A copy of the proposed
amendment to ChoiceOne's Articles of Incorporation is attached to this joint proxy statement and prospectus as Annex C. Approval
of this proposal is not a condition to the closing of the merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The ChoiceOne board
of directors adopted and approved, subject to approval by the ChoiceOne shareholders, an amendment to ChoiceOne's Articles of Incorporation
to remove certain provisions related to the number of directors and vacancies on the board of directors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ChoiceOne
board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's
Articles of Incorporation to remove certain provisions related to the number of directors and vacancies on the board of directors.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_019"></A>ChoiceOne Proposal 4 &#8211; ChoiceOne Merger-Related
Compensation Proposal</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Section&nbsp;14A
of the Exchange Act and Rule 14a-21(c) under the Exchange Act require that ChoiceOne seek a nonbinding advisory vote from its shareholders
to approve the &quot;golden parachute&quot; compensation that its named executive officers will receive in connection with the
merger discussed in &quot;The Merger &#8211; Interests of Certain ChoiceOne Directors and Executive Officers in the Merger.&quot;
As required by these provisions, ChoiceOne is asking its shareholders to vote on the adoption of the following resolution:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify; text-indent: 0in">&quot;RESOLVED, that
the compensation that may be paid or become payable to ChoiceOne's named executive officers in connection with the merger, as disclosed
in the table under the heading &quot;Merger-Related Compensation for ChoiceOne's Named Executive Officers&quot; pursuant to Item&nbsp;402(t)
of Regulation S-K, including the associated narrative discussion, and the agreements or understandings pursuant to which such compensation
may be paid or become payable, are hereby APPROVED.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The vote with respect to
this proposal is an advisory vote and will not be binding on ChoiceOne, County, or the combined company. Therefore, regardless
of whether ChoiceOne shareholders approve this proposal, if the merger agreement is approved by the shareholders and the merger
is completed, the &quot;golden parachute&quot; compensation will be paid to such named executive officers to the extent payable
in accordance with the terms of</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">such compensation contracts and arrangements. Approval of this proposal is not a condition to the
closing of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>The ChoiceOne board of directors recommends
that the ChoiceOne shareholders vote &quot;FOR&quot; the ChoiceOne merger-related compensation proposal.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_020"></A>ChoiceOne Proposal 5 &#8211; ChoiceOne Adjournment Proposal</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The ChoiceOne special meeting
may be adjourned to another time or place if there are insufficient votes represented at the ChoiceOne special meeting to constitute
a quorum necessary to conduct business at the ChoiceOne special meeting or if there are insufficient votes necessary to obtain
the approval of Proposals 1 through 3, above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne requests
that its shareholders authorize the holder of any proxy solicited by the ChoiceOne board of directors on a discretionary basis
to vote in favor of adjourning the ChoiceOne special meeting to another time or place, if determined necessary or appropriate by
ChoiceOne, to solicit additional proxies (including the solicitation of proxies from ChoiceOne shareholders who have previously
voted). Approval of this proposal is not a condition to the closing of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ChoiceOne
board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; approval of the ChoiceOne adjournment proposal.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_021"></A>THE
COUNTY PROPOSALS</B></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_022"></A>County Proposal 1 &#8211; Approval of the Merger Agreement</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the County special
meeting, the County shareholders will be asked to approve the merger agreement. Holders of County common stock should read this
joint proxy statement and prospectus carefully and in its entirety, including the annexes, for more detailed information concerning
the merger agreement and the merger. A copy of the merger agreement is attached to this joint proxy statement and prospectus as
Annex A.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">After careful consideration,
the County board of directors adopted the merger agreement, authorized and approved the merger and the transactions contemplated
by the merger agreement and determined the merger agreement and the merger to be advisable and in the best interests of County
and its shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B>The County board of directors recommends
that County shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_023"></A>County Proposal 2 &#8211; County Adjournment Proposal</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The County special
meeting may be adjourned to another time or place if there are insufficient votes represented at the County special meeting to
constitute a quorum necessary to conduct business at the County special meeting or if there are insufficient votes necessary to
obtain the approval of Proposal 1, above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County requests
that its shareholders authorize the holder of any proxy solicited by the County board of directors on a discretionary basis to
vote in favor of adjourning the County special meeting to another time or place, if determined necessary or appropriate by County,
to solicit additional proxies (including the solicitation of proxies from County shareholders who have previously voted). Approval
of this proposal is not a condition to the closing of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The County board
of directors recommends that County shareholders vote &quot;FOR&quot; the proposal to adjourn the County special meeting, if necessary
or appropriate to solicit additional proxies.</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 6pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_024"></A>THE CHOICEONE SPECIAL MEETING</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_025"></A>Date, Time and Place</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The
special meeting of ChoiceOne shareholders will be held at the Sparta Main Office, 109 E. Division St., Sparta, Michigan
49345, on September 18, 2019, at 8:00 a.m. local time. On or about August 8, ChoiceOne commenced mailing this joint
proxy statement and prospectus and the accompanying form of proxy to its shareholders entitled to vote at the ChoiceOne
special meeting.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_026"></A>Purpose of the ChoiceOne Special
Meeting</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">At
the ChoiceOne special meeting, ChoiceOne shareholders will be asked to consider and vote on the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">a proposal to approve the merger
agreement;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">a proposal to approve an amendment
to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne common stock;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">a proposal to approve an amendment
to ChoiceOne's Articles of Incorporation to remove certain provisions related to the number of directors and vacancies on the
board of directors;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">the ChoiceOne merger-related compensation
proposal; and</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">the ChoiceOne adjournment proposal.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">Completion
of the merger is conditioned on approval of the merger agreement and approval of the amendment to ChoiceOne's Articles of Incorporation
to increase the number of authorized shares of ChoiceOne common stock, among other customary closing conditions. Completion of
the merger is not conditioned on the approval of the proposal to approve the amendment to ChoiceOne's Articles of Incorporation
to remove certain provisions related to the number of directors and vacancies on the board of directors, the ChoiceOne merger-related
compensation proposal or the ChoiceOne adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><A NAME="a_027"></A><B>Recommendation
of the ChoiceOne Board of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At a special meeting
held on March 22, 2019, the ChoiceOne board of directors determined that the merger and the other transactions contemplated by
the merger agreement, including the proposed amendment to ChoiceOne's Articles of Incorporation to increase the authorized shares
of common stock from 7,000,000 to 12,000,000, are in the best interests of ChoiceOne and its shareholders.&nbsp; <B>The ChoiceOne
board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement, &quot;FOR&quot;
the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne
common stock, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to remove certain
provisions related to the number of directors and vacancies on the board of directors, &quot;FOR&quot; the ChoiceOne merger-related
compensation proposal, and &quot;FOR&quot; the ChoiceOne adjournment proposal.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne shareholders
should carefully read this joint proxy statement and prospectus, including any documents incorporated by reference, and the Annexes
in their entirety, for more detailed information concerning the merger and the transactions contemplated by the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_028"></A>ChoiceOne Record Date; Shareholders
Entitled to Vote</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The record date
for the ChoiceOne special meeting is July 25, 2019. Only record holders of shares of ChoiceOne common stock at the close of business
on such date are entitled to notice of, and to vote at, the ChoiceOne special meeting or any adjournment or postponement of the
meeting. At the close of business on the</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">record date, the only outstanding
voting securities of ChoiceOne were common stock, and 3,632,917&nbsp;shares of ChoiceOne common stock were issued and outstanding
and entitled to vote at the ChoiceOne special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each share of ChoiceOne
common stock outstanding on the record date of the ChoiceOne special meeting is entitled to one vote on each proposal and any other
matter coming before the ChoiceOne special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_029"></A>Voting by ChoiceOne's Directors and
Executive Officers</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the close
of business on the record date for the ChoiceOne special meeting, ChoiceOne's directors and executive officers and their affiliates
were entitled to vote&nbsp;256,712&nbsp;shares of ChoiceOne common stock or approximately 7.1% of the shares of ChoiceOne common
stock outstanding on that date. <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">In
connection with the merger agreement, the ChoiceOne directors entered into Voting Agreements with County, in their capacities
as shareholders of ChoiceOne, agreeing to vote in favor of the approval of the merger agreement, subject to certain limited exceptions.
At the close of business on the record date for the ChoiceOne special meeting, ChoiceOne directors were entitled to vote&nbsp;208,352&nbsp;shares
of ChoiceOne common stock or approximately 5.7% of the shares of ChoiceOne common stock outstanding on that date</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_030"></A>Quorum and Adjournment</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No business may
be transacted at the ChoiceOne special meeting unless a quorum is present. Shareholders who hold shares representing at least a
majority of the shares entitled to vote at the ChoiceOne special meeting must be present in person or by proxy to constitute a
quorum. If a quorum is not present, the chairman may adjourn the meeting to solicit additional proxies. In addition, if fewer shares
are voted than the number of shares required to obtain the necessary ChoiceOne shareholder approvals, then the special meeting
may be adjourned to allow additional time for obtaining additional proxies, if the affirmative vote of a majority of the votes
cast at the special meeting on the ChoiceOne adjournment proposal is obtained.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No notice of an
adjourned meeting need be given if the date, time and place of the adjourned meeting are announced at the special meeting unless,
after the adjournment, a new record date is fixed for the adjourned meeting, in which case a notice of the adjourned meeting shall
be given to each shareholder of record entitled to vote at the meeting. At any adjourned meeting, all proxies will be voted in
the same manner as they would have been voted at the original convening of the special meeting, except for any proxies that have
been effectively revoked or withdrawn prior to the adjourned meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">All shares of ChoiceOne
common stock represented at the ChoiceOne special meeting, including shares that are represented but that vote to abstain, will
be treated as present for purposes of determining the presence or absence of a quorum. Broker non-votes will have no effect on
determining the presence or absence of a quorum.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_031"></A>Required Vote</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The required votes
to approve the ChoiceOne proposals are as follows:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the merger agreement
requires the affirmative vote of a majority of the issued and outstanding shares of ChoiceOne common stock entitled to vote at
the ChoiceOne special meeting. Failures to vote, broker non-votes and abstentions will have the same effect as votes against this
proposal.</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the proposed amendment
to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne common stock requires the affirmative
vote of a majority of the issued and outstanding shares of ChoiceOne common stock entitled to vote at the ChoiceOne special meeting.
Failures to vote, broker non-votes and abstentions will have the same effect as votes against this proposal.</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the proposed amendment
to ChoiceOne's Articles of Incorporation to remove certain provisions related to the number of directors and vacancies on the
board of directors requires the affirmative vote of not less than 66 2/3% of the issued and outstanding shares of ChoiceOne common
stock entitled to vote at the ChoiceOne special meeting. Failures to vote, broker non-votes and abstentions will have the same
effect as a vote against this proposal.</FONT></LI>

</UL>

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<UL STYLE="margin-top: 0in; list-style-type: disc"></UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the ChoiceOne merger-related
compensation proposal requires the affirmative vote of a majority of the votes cast on this proposal at the ChoiceOne special
meeting. Failures to vote, broker non-votes and abstentions will have no effect on the vote for this proposal.</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the ChoiceOne adjournment
proposal requires the affirmative vote of a majority of the votes cast on this proposal at the ChoiceOne special meeting, regardless
of whether or not there is a quorum. Failures to vote, broker non-votes and abstentions will have no effect on the vote for this
proposal.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_032"></A>Voting of Proxies by Holders of Record</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you were a record
holder of ChoiceOne common stock at the close of business on the record date of the ChoiceOne special meeting, a form of proxy
is enclosed for your use. ChoiceOne requests that you vote your shares as promptly as possible by (i)&nbsp;visiting the internet
site listed on the accompanying form of ChoiceOne proxy, (ii)&nbsp;calling the toll-free number listed on the accompanying form
of ChoiceOne proxy or (iii)&nbsp;submitting the accompanying form of ChoiceOne proxy by mail by using the provided self-addressed,
stamped envelope. Information and applicable deadlines for voting through the internet or by telephone are set forth on the accompanying
form of ChoiceOne proxy. When the accompanying form of ChoiceOne proxy is returned properly executed, the shares of ChoiceOne common
stock represented by it will be voted at the ChoiceOne special meeting or any adjournment or postponement of the meeting in accordance
with the instructions contained in the proxy. Your internet or telephone vote authorizes the named proxies to vote your shares
in the same manner as if you had marked, signed and returned a proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If a proxy is returned
without an indication as to how the shares of ChoiceOne common stock represented are to be voted with regard to a particular proposal,
the ChoiceOne common stock represented by the proxy will be voted in accordance with the recommendation of the ChoiceOne board
of directors and, therefore, &quot;FOR&quot; the proposal to approve the merger agreement, &quot;FOR&quot; the proposal to approve
the amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of ChoiceOne common stock, &quot;FOR&quot;
the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to remove certain provisions related to the number
of directors and vacancies on the board of directors, &quot;FOR&quot; the ChoiceOne merger-related compensation proposal, and &quot;FOR&quot;
the ChoiceOne adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of the date hereof,
the ChoiceOne board of directors has no knowledge of any business that will be presented for consideration at the ChoiceOne special
meeting and that would be required to be set forth in this joint proxy statement and prospectus or the accompanying form of ChoiceOne
proxy other than the matters set forth in ChoiceOne's Notice of Special Meeting of Shareholders. If any other matter is properly
presented at the ChoiceOne special meeting for consideration, the persons named in the accompanying form of ChoiceOne proxy and
acting thereunder will vote in accordance with their discretion on such matter.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Your vote
is important. If you were a record holder of ChoiceOne common stock on the record date of the ChoiceOne special meeting, please
sign and return the accompanying proxy, or vote via the internet or telephone, regardless of whether or not you plan to attend
the ChoiceOne special meeting in person. Proxies submitted through the specified internet website or by telephone must be received
by 11:59 p.m. Eastern Time on September 17, 2019.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_033"></A>Shares&nbsp;Held in Street Name</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you hold shares of ChoiceOne
common stock through a stock brokerage account, bank or other nominee, you are considered the &quot;beneficial holder&quot; of
the shares held for you in what is known as &quot;street name.&quot; The &quot;record holder&quot; of such shares is your broker,
bank or other nominee, and not you, and you must provide the record holder of your shares with instructions on how to vote your
shares. Please follow the voting instructions provided by your broker, bank or other nominee. Please note that you may not vote
shares held in street name by returning a proxy directly to ChoiceOne or by voting in person at the ChoiceOne special meeting unless
you have a &quot;legal proxy,&quot; which you must obtain from your broker, bank or other nominee. Please also note that brokers,
banks or other nominees who hold shares of ChoiceOne common stock on behalf of their customers may not give a proxy to ChoiceOne
to vote those shares without specific instructions from their customers.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you are a ChoiceOne
shareholder and you do not instruct your broker, bank or other nominee on how to vote your shares, your broker, bank or other nominee
may not vote your shares on any of the ChoiceOne proposals.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_034"></A>Attending the Meeting; Voting in
Person</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne shareholders,
their duly appointed proxies and invited guests are invited to attend the meeting. Attendees may be required to present government-issued
photo identification (such as a driver's license or passport). A shareholder who holds shares in &quot;street name&quot; through
a broker, bank, trustee or other nominee (referred to in this joint proxy statement and prospectus as a &quot;beneficial owner&quot;)
and who wishes to attend the special meeting in person must bring proof of beneficial ownership as of the record date, such as
a letter from the broker, bank, trustee or other nominee that is the record owner of such beneficial owner's shares, a brokerage
account statement or the voting instruction form provided by the broker. A person who holds a validly executed proxy entitling
such person to vote on behalf of a record owner of ChoiceOne shares and who wishes to attend the special meeting in person must
bring the validly executed proxy naming such person as the proxy holder, signed by the ChoiceOne shareholder, and proof of the
signing shareholder's record ownership as of the record date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne may deny
entry to any person who is not a ChoiceOne shareholder, a duly appointed proxy, or invited guest, or who does not have the required
documentation. ChoiceOne may prohibit any person from bringing any cameras, recording equipment or other electronic devices into
the meeting room.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_035"></A>Revocation of Proxies</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A
ChoiceOne shareholder may revoke a proxy at any time before it is voted at the meeting by taking any of the following four actions:</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">delivering written notice of revocation
to ChoiceOne's Corporate Secretary, Mary J. Johnson, 109 East Division, Sparta, Michigan 49345;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">delivering a proxy bearing a later
date than the proxy that you wish to revoke;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">casting a subsequent vote via telephone
or the internet, as described above; or</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="margin: 0; line-height: normal; text-align: justify"><FONT STYLE="font-size: 10pt">attending the meeting and voting
in person.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Merely attending
the meeting will not, by itself, revoke your proxy; you must cast a subsequent vote at the meeting using forms provided for that
purpose. Your last valid vote that we receive before or at the special meeting is the vote that will be counted.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you hold your
shares through a brokerage account, you must contact your brokerage firm to revoke your proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_036"></A>Solicitation of Proxies</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne is soliciting
proxies for the ChoiceOne special meeting from its shareholders. In accordance with the merger agreement, ChoiceOne will pay its
own costs of soliciting proxies from its shareholders, including the cost of mailing this joint proxy statement and prospectus.
In addition to solicitation of proxies by mail, proxies may be solicited by ChoiceOne's officers, directors and regular employees,
without additional remuneration, by personal interview, telephone or other means of communication. Nominees, trustees and other
fiduciaries who hold stock on behalf of beneficial owners of ChoiceOne common stock may communicate with the beneficial owners
by mail or otherwise and may forward proxy materials to and solicit proxies from the beneficial owners.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">To help assure the
presence in person or by proxy of the largest number of shareholders possible, we have engaged Georgeson, a proxy solicitation
firm, to solicit proxies on ChoiceOne's behalf. We have agreed to pay Georgeson a proxy solicitation fee of $8,500 and to reimburse
Georgeson for its reasonable&nbsp;out-of-pocket&nbsp;costs and expenses.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_037"></A>THE
COUNTY SPECIAL MEETING</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_038"></A>Date, Time and Place</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The special
meeting of County shareholders will be held at 1175 South Lapeer Road, Lapeer, Michigan 48446, on September 18, 2019, at 8:30
a.m. local time. On or about <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">August
8, County commenced mailing this joint proxy statement and prospectus and the accompanying form of proxy to its
shareholders entitled to vote at the County special meeting</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_039"></A>Purpose of the County Special Meeting</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the County special
meeting, County shareholders will be asked to consider and vote on the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">a proposal to approve the merger
agreement; and</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the County adjournment proposal.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Completion of the
merger is conditioned on approval of the merger agreement by the County shareholders, among other customary closing conditions.
Completion of the merger is not conditioned on the approval of the County adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_040"></A>Recommendation of the County Board
of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The County board
of directors has determined that the merger is advisable and in the best interests of County and its shareholders<B>. The County
board of directors recommends that County shareholders vote &quot;FOR&quot; the proposal to approve the merger agreement and &quot;FOR&quot;
the County adjournment proposal</B>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County shareholders
should carefully read this joint proxy statement and prospectus, including any documents incorporated by reference, and the Annexes
in their entirety for more detailed information concerning the merger and the transactions contemplated by the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><A NAME="a_041"></A><B>County Record Date; Shareholders
Entitled to Vote</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The record date for the County special meeting is <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">July
25, 2019. Only holders of record of shares of County common stock at the close of business on such date are entitled to notice
of, and to vote at, the County special meeting and any adjournment or postponement of the meeting. At the close of business on
the record date, the only outstanding voting securities of County were common stock, and 1,746,884 shares of County common stock
were issued and outstanding and entitled to vote at the County special meeting</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each share of County
common stock outstanding on the record date for the County special meeting is entitled to one vote on each proposal to be considered
at the County special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_042"></A>Voting by County's Directors and
Executive Officers</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the close
of business on the record date for the County special meeting, County directors and executive officers and their affiliates were
entitled to vote 164,922 shares of County common stock or approximately <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">9.4%
of the shares of County common stock outstanding on that date. In connection with the merger agreement, the County directors entered
into Voting Agreements with ChoiceOne, in their capacities as shareholders of County, agreeing to vote in favor of the approval
of the merger agreement, subject to certain limited exceptions. At the close of business on the record date for the County special
meeting, County directors were entitled to vote 164,788 shares of County common stock or approximately 9.4% of the shares of County
common stock outstanding on that date</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_043"></A>Quorum and Adjournment</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No business may
be transacted at the County special meeting unless a quorum is present. Shareholders who hold shares representing at least a majority
of the shares entitled to vote at the County special meeting must be present in person or by proxy to constitute a quorum. If
a quorum is not present, the chairman may adjourn the meeting to solicit additional proxies. In addition, if fewer shares are
voted than the number of shares required to obtain the necessary County shareholder approvals, then the special meeting may be
adjourned to allow additional time for obtaining additional proxies, if the affirmative vote of a majority of the votes cast at
the special meeting on the County adjournment proposal is obtained.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No notice of an
adjourned meeting needs to be given if the place, date and time of the adjourned meeting are announced at the special meeting unless
(i) the date of the adjourned meeting is more than 30 days after the date for which the special meeting was originally called and
notice given or (ii) a new record date is fixed for the adjourned meeting, in which case written notice of the place, date and
time of the adjourned meeting shall be given in conformity with the County Bylaws. At any adjourned meeting, all proxies will be
voted in the same manner as they would have been voted at the original convening of the special meeting, except for any proxies
that have been effectively revoked or withdrawn prior to the adjourned meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">All shares of County
common stock represented at the County special meeting, including shares that are represented but that vote to abstain, will be
treated as present for purposes of determining the presence or absence of a quorum. Broker non-votes will have no effect on determining
the presence or absence of a quorum.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_044"></A>Required Vote</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The required votes
to approve the County proposals are as follows:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the merger agreement
requires the affirmative vote of a majority of the issued and outstanding shares of County common stock entitled to vote at the
County special meeting. Failures to vote, broker non-votes and abstentions will have the same effect as votes against this proposal.</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">The approval of the County adjournment
proposal requires the affirmative vote of a majority of the votes cast on this proposal at the County special meeting, regardless
of whether or not there is a quorum. Failures to vote, broker non-votes and abstentions will have no effect on the vote for this
proposal.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_045"></A>Voting of Proxies by Holders of Record</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you were a record
holder of County common stock at the close of business on the record date of the County special meeting, a proxy is enclosed for
your use. County requests that you vote your shares as promptly as possible by (i)&nbsp;visiting the internet site listed on the
accompanying form of County proxy, (ii)&nbsp;calling the toll-free number listed on the accompanying form of County proxy or (iii)&nbsp;submitting
the accompanying form of County proxy by mail by using the provided self-addressed, stamped envelope. Information and applicable
deadlines for voting through the internet are set forth on the accompanying form of County proxy. When the accompanying form of
County proxy is returned properly executed, the shares of County common stock represented by it will be voted at the County special
meeting or any adjournment or postponement of the meeting in accordance with the instructions contained in the proxy. Your internet
or telephone vote authorizes the named proxies to vote your shares in the same manner as if you had marked, signed and returned
a proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If a proxy is returned
without an indication as to how the shares of County common stock represented are to be voted with regard to a particular proposal,
the County common stock represented by the proxy will be voted in accordance with the recommendation of the County board of directors
and, therefore, &quot;FOR&quot; the proposal to approve the merger agreement and &quot;FOR&quot; the County adjournment proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of the date hereof,
the County board of directors has no knowledge of any business that will be presented for consideration at the County special meeting
and that would be required to be set forth in this joint proxy statement and prospectus or the accompanying form of County proxy
other than the matters set forth in County's Notice of Special Meeting of Shareholders. If any other matter is properly presented
at the County special</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">meeting for consideration, the persons named in the accompanying form of County proxy and acting thereunder
will vote in accordance with their discretion on such matter.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>Your vote
is important. If you were a record holder of County common stock on the record date of the County special meeting, please sign
and return the accompanying proxy or vote via the internet or telephone, regardless of whether or not you plan to attend the County
special meeting in person. Proxies submitted through the specified internet website or by telephone must be received by 11:59
p.m. Eastern Time on September 17, 2019.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_046"></A>Shares Held in Street Name</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you hold shares
of County common stock through a stock brokerage account, bank or other nominee, you are considered the &quot;beneficial holder&quot;
of the shares held for you in what is known as &quot;street name.&quot; The &quot;record holder&quot; of such shares is your broker,
bank or other nominee, and not you, and you must provide the record holder of your shares with instructions on how to vote your
shares. Please follow the voting instructions provided by your broker, bank or other nominee. Please note that you may not vote
shares held in street name by returning a proxy directly to County or by voting in person at the County special meeting unless
you have a &quot;legal proxy,&quot; which you must obtain from your broker, bank or other nominee. Please also note that brokers,
banks or other nominees who hold shares of County common stock on behalf of their customers may not give a proxy to County to vote
those shares without specific instructions from their customers.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you are a County
shareholder and you do not instruct your broker, bank or other nominee on how to vote your shares, your broker, bank or other nominee
may not vote your shares on any of the County proposals.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_047"></A>Attending the Meeting; Voting in
Person</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Only County shareholders,
their duly appointed proxies, and invited guests may attend the meeting. <B>Attendees may be required to present government-issued
photo identification</B> (such as a driver's license or passport) for admittance. The additional items, if any, that attendees
must bring depend on whether they are shareholders of record, beneficial owners, or proxy holders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A County shareholder who holds shares directly registered in such shareholder's name with County's transfer
agent, American Stock Transfer &amp; Trust Company, and who wishes to attend the special meeting in person should bring government-issued
photo identification.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A shareholder who
holds shares in &quot;street name&quot; through a broker, bank, trustee or other nominee (referred to as a &quot;beneficial owner&quot;)
and who wishes to attend the special meeting in person must bring proof of beneficial ownership as of the record date, such as
a letter from the broker, bank, trustee or other nominee that is the record owner of such beneficial owner's shares, a brokerage
account statement or the voting instruction form provided by the broker.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A person who holds
a validly executed proxy entitling such person to vote on behalf of a record owner of County shares and who wishes to attend the
special meeting in person must bring the validly executed proxy naming such person as the proxy holder, signed by the County shareholder,
and proof of the signing shareholder's record ownership as of the record date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County may prohibit
any person from bringing any cameras, recording equipment or other electronic devices into the meeting room. Failure to provide
the requested documents at the door or failure to comply with the procedures for the special meeting may prevent persons from being
admitted to the County special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_048"></A>Revocation of Proxies</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A County shareholder
may revoke a proxy at any time before it is voted at the meeting by taking any of the following actions:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">delivering written notice of revocation
to County's Corporate Secretary, Joseph H. Black, 83 West Nepessing Street, Lapeer, Michigan 48446;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">delivering a proxy bearing a later
date than the proxy that you wish to revoke;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">casting a subsequent vote via telephone
or the internet, as described above; or</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">attending the meeting and voting
in person.</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Merely attending
the meeting will not, by itself, revoke your proxy; you must cast a subsequent vote at the meeting using forms provided for that
purpose. Your last valid vote that we receive before or at the special meeting is the vote that will be counted.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you hold your
shares through a brokerage account, you must contact your brokerage firm to revoke your proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_049"></A>Solicitation of Proxies</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is soliciting
proxies for the County special meeting from its shareholders. In accordance with the merger agreement, County will pay its own
costs of soliciting proxies from its shareholders, including the cost of mailing this joint proxy statement and prospectus. In
addition to solicitation of proxies by mail, proxies may be solicited by County's officers, directors and regular employees, without
additional remuneration, by personal interview, telephone or other means of communication. Nominees, trustees and other fiduciaries
who hold stock on behalf of beneficial owners of County common stock may communicate with the beneficial owners by mail or otherwise
and may forward proxy materials to and solicit proxies from the beneficial owners.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">To help assure the presence in person or by proxy of the largest number of shareholders possible, we have engaged
EQ Proxy Services, a proxy solicitation firm, to solicit proxies on County's behalf. County has agreed to pay EQ Proxy Services
a proxy solicitation fee of $5,500 and to reimburse EQ Proxy Services for its reasonable out-of-pocket costs and expenses.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="text-transform: uppercase"><B></B>&nbsp;</FONT></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 6pt 0; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_050"></A>THE
MERGER</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white"><I>The
following discussion contains certain information about the merger. The discussion is subject to, and qualified in its entirety
by reference to, the merger agreement, which is attached to this joint proxy statement and prospectus as Annex A and incorporated
herein by reference. You should read the entire merger agreement carefully, as it is the legal document that governs the merger.
</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_051"></A>Effects of the Merger</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of the effective time
of the merger, County will merge with and into ChoiceOne. ChoiceOne will be the surviving entity following the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">In
the merger, each outstanding share of County common stock will be converted into the right to receive 2.0632 shares of ChoiceOne
common stock, together with cash paid in lieu of any fractional share of ChoiceOne common stock. This exchange ratio is fixed and
will not be adjusted to reflect stock price changes prior to the effective time of the merger, <FONT STYLE="background-color: white">but
is subject to adjustment in certain limited circumstances (such as a stock split or other recapitalization event) to provide the
County shareholders the same economic effect as prior to such event</FONT>. ChoiceOne shareholders will continue to hold their
existing ChoiceOne shares after the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">Based
on the outstanding shares of common stock of each of ChoiceOne and County as of the record date of the ChoiceOne shareholder meeting
and the record date of County shareholder meeting, respectively, it is expected that immediately following the effective time of
the merger the former shareholders of County as a group will hold approximately 49.9% of the outstanding shares of ChoiceOne common
stock immediately after the merger, excluding outstanding ChoiceOne stock options and restricted stock units. As a result, current
shareholders of ChoiceOne as a group will own approximately 50.1% of the outstanding shares of ChoiceOne common stock immediately
after the merger, excluding outstanding ChoiceOne stock options and restricted stock units.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B><A NAME="a_052"></A>Background
of the Merger</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">From time
to time, the County board of directors has reviewed and discussed County's long term strategies and objectives, considering various
alternatives to enhance County's shareholder value, performance and prospects in light of competitive factors, geography, risk
appetite and other relevant factors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The strategic
alternatives considered by County included continued organic growth, selling to a larger company, acquiring a smaller company,
or merging with a similarly sized company. County had been presented with opportunities to evaluate each of the latter three scenarios
and engaged in preliminary discussions with representative institutions. Boenning assisted County with analyzing and weighing the
merits of each alternative.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">County eventually
determined that organic growth alone would likely not prove sufficient to meet its long-term objectives, and shifted its focus
to potential acquisitions in Michigan. In early summer of 2018, County was approached by, and received a written indication of
interest from, a larger Michigan financial institution. The County board of directors considered the proposed transaction but ultimately
determined that it was not in the best interests of County and its shareholders because it would have essentially constituted a
sale of County, the purchase price being offered for a sale was not sufficient, and concerns regarding the value of the proposed
acquirer's currency. Subsequently, County again attempted to find an institution to acquire. However, negotiations with potential
targets were not fruitful and, after several months, County determined that a strategic combination or &quot;merger of equals&quot;
may be in the best interests of County's shareholders, if such a partner could be found.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The ChoiceOne
board of directors and management team regularly review ChoiceOne's performance, risks, opportunities and strategy and discuss
such matters at board meetings. From time to time, ChoiceOne's board of directors and management team review and evaluate the possibility
of pursuing various strategic alternatives and relationships as part of ChoiceOne's ongoing efforts to strengthen its businesses
and improve its operations and financial performance in order to create value for its shareholders, taking into account economic,
regulatory, competitive and other conditions.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Later in the summer
of 2018, Boenning, on behalf of County, facilitated a meeting between the County and ChoiceOne teams, and the parties agreed there
was a mutual interest in pursuing a potential strategic combination.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The M&amp;A
committee of the board of directors of ChoiceOne met on August 20 and August 24, 2018 to discuss a potential strategic combination
with County. Select topics discussed at the meetings included the respective cultures of each institution and how they would integrate,
management and the board composition of the combined institution, and the name and location of the
combined institution. At the conclusion of the August 24, 2018 meeting, the M&amp;A committee approved entering into a confidentiality
agreement with County and authorized a meeting with management of County to further discuss a potential strategic combination.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On August
27, 2018, the parties entered into a confidentiality agreement to ensure the confidentiality of their discussions and the exchange
of confidential information.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On August
31, 2018 and again on September 5, 2018, management of County met with representatives of Boenning to discuss the potential effects
of a strategic combination with ChoiceOne. Also on September 5, 2018, select directors and the management teams from ChoiceOne
and County met to discuss a potential strategic business combination. Representatives from Boenning were also present at this meeting.
Among other things, the management structure of the combined institution, including the composition of the board of directors and
executive management roles, and the name and location of the combined institution were discussed. At the conclusion of the meeting,
both parties agreed to continue to pursue the possibility of a strategic combination.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">Throughout
September 2018, management of County and representatives of Boenning continued to consider and discuss the various financial effects
of a merger with ChoiceOne, including relative to the other strategic alternatives considered by County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On September
26, 2018, the ChoiceOne board of directors held a regular meeting. Representatives from ProBank Austin attended the meeting. Management
reviewed the discussions and result of the September 5, 2018 meeting with County management. Representatives of ProBank Austin
provided an overview of a potential strategic combination with County, including a preliminary financial analysis of a strategic
combination, and an overview of the banking industry in general, including the historical and current market for banking industry
mergers and acquisitions.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On October 11, 2018, the County board of directors reviewed a draft letter to be delivered to ChoiceOne and
discussed various aspects of the potential transaction, including advantages and disadvantages, as well as transaction costs and
merger expenses. Representatives from Boenning presented materials on various financial aspects of the potential transaction and
discussed such materials with management of County prior to the meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On October 17, 2018, the County board of directors met again. As with the previous meeting, representatives
from Boenning prepared various materials and discussed such materials with management of County in advance of the meeting. At this
meeting, the County board of directors authorized the delivery of the letter to ChoiceOne, which was then delivered the same day.
The letter provided, among other things, that County would merge with and into ChoiceOne, with ChoiceOne surviving the merger,
that the former shareholders of County would own 49.9% of the combined institution after the merger, that the board of directors
of the combined institution would determine which bank would be the surviving bank following a consolidation of ChoiceOne Bank
and Lakestone Bank and the name of the consolidated bank, that new or amended employment agreements would be executed with certain
key executives of County and ChoiceOne, and that the board of directors of the combined institution would be comprised of an equal
number of directors from each of County and ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On October
23, 2018, Boenning was formally engaged by County as its financial advisor in connection with the potential transaction.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On October
23, 2018, the M&amp;A committee of the ChoiceOne board of directors met. A representative from ProBank Austin and a representative
from Warner Norcross + Judd LLP (&quot;Warner Norcross&quot;), ChoiceOne's legal counsel, attended the meeting. At the meeting,
the M&amp;A committee reviewed and discussed the October 17, 2018 letter from County. The committee determined to recommend to
the board of directors that management proceed to prepare a letter for delivery to County outlining the terms upon which ChoiceOne
would consider a </P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify">strategic combination with County and that the board of directors authorize the engagement of ProBank Austin as
financial advisor to ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On October
24, 2018, the ChoiceOne board of directors held a regular meeting. At the meeting, the board of directors reviewed and discussed
the October 17, 2018 letter from County and the potential engagement of ProBank Austin as financial advisor to ChoiceOne, including
the recommendations from the M&amp;A committee. At the conclusion of the meeting, the board of directors authorized management
to prepare a letter for delivery to County, subject to the approval of the board of directors, outlining the terms upon which ChoiceOne
would consider a strategic combination with County and the engagement of ProBank Austin as financial advisor to ChoiceOne. In the
days following the meeting, management, with the assistance of ProBank Austin and Warner Norcross, prepared a letter for delivery
to County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On November
7, 2018, the ChoiceOne board of directors held a special meeting. A representative from ProBank Austin and a representative from
Warner Norcross attended the meeting. At the meeting, the representative from Pro Bank Austin provided a financial analysis of
a potential strategic combination with County, including pricing and other metrics based on County shareholders owning between
approximately 47.5 and 49.9% of the combined institution and a potential special dividend to ChoiceOne shareholders in order to
balance the impact of the transaction on pro forma book value and earnings per share. The board of directors reviewed and considered
a letter for delivery to County which set forth a proposal for a potential strategic combination with County, including among other
things, the following terms: a merger of County with and into ChoiceOne with ChoiceOne surviving the merger; post-transaction County
shareholder ownership in the range of approximately 47.5% to 49.9%; a potential special dividend to ChoiceOne shareholders; post-transaction
board of directors composed of 15 directors (8 to be designated by ChoiceOne and 7 to be designated by County); post-transaction
management of the combined institution; and a termination fee payable by County in certain circumstances. The ChoiceOne board of
directors authorized ChoiceOne management to deliver the letter to County, which occurred on November 9, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On November
15, 2018, County delivered a response to ChoiceOne's letter that again proposed that County shareholders would own approximately
49.9% of the surviving corporation. The response also provided that the board of directors of the combined institution would be
comprised of 14 directors, with 7 to be designated by each party.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On November
27, 2018, the M&amp;A committee of the ChoiceOne board of directors met to discuss a revised letter for delivery to County responding
to the November 15, 2018 communication from County. Among other things, the revised letter proposed post-transaction County shareholder
ownership in the range of approximately 47.5% to 49.9%; a potential special dividend to ChoiceOne shareholders; post-transaction
board of directors composed of 14 directors (7 to be designated by ChoiceOne and 7 to be designated by County); post-transaction
management of the combined institution; and a termination fee payable by County in certain circumstances equal to 4% of the transaction
value. The committee determined to recommend to the board of directors that the board authorize management to deliver the revised
letter to County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On November
28, 2018, the ChoiceOne board of directors held a regular meeting. At the meeting, the board of directors reviewed and considered
the revised letter and the recommendation of the M&amp;A committee. The board of directors authorized management to deliver the
revised letter to County, which occurred following the meeting. The parties decided that there was sufficient commonality of interest
and the range of economic terms were sufficiently close to proceed with mutual due diligence.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">In early
December 2018, ChoiceOne and County commenced extensive due diligence on each other, which included, among other things, an evaluation
of the other party's operations, material contracts, and loan portfolio and credit quality, and each party held discussions with
selected members of the senior management of the other party.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On January
16, 2019, select directors and the President and CEO of ChoiceOne met with the County board of directors and members of the County
management team. At the meeting, the ChoiceOne representatives provided an overview of ChoiceOne and its history. The ChoiceOne
representatives also took questions from the County board of directors on a potential strategic combination of the two institutions,
including their rationale and reasoning for a strategic combination.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On February
11, 2019, the ChoiceOne board of directors held a special meeting. A representative from ProBank Austin and representatives from
Warner Norcross attended the meeting. Warner Norcross reviewed a draft definitive merger agreement with the board of directors.
At the conclusion of the meeting, the board of directors authorized management to deliver the draft definitive merger agreement
to County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On February
12, 2019, ChoiceOne provided an initial draft of a definitive merger agreement to County. Among other terms, the initial draft
included a proposed exchange ratio of 2.0051 and a $0.50 per share special dividend to ChoiceOne shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On February
20, 2019, the County board of directors met to consider the merger. At that meeting, a representative of Hunton Andrews Kurth
LLP, legal counsel to County, discussed the terms of the merger agreement and related transaction documents and the yet unresolved
issues, including primarily the exchange ratio, the amount of the potential special dividend to ChoiceOne shareholders, the method
for determining the board composition of the combined company, the senior executive officers of the combined company, the amount
of the termination fee and a discussion of change in control benefits. Also at the meeting, a representative of Boenning explained
the financial aspects of the merger and summarized the strategic and financial rationale in favor of the transaction for both
parties and responded to questions by the County board of directors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Subsequent to
the February 20 meeting, County proposed to ChoiceOne an exchange ratio of 2.0632, equating to 49.9% pro forma ownership for County
shareholders (excluding outstanding ChoiceOne stock options and restricted stock units), along with a special dividend to ChoiceOne
shareholders of $0.30 per share. Over the next several weeks, ChoiceOne and County, together with their legal and financial advisors,
discussed and negotiated the various legal and business terms of the merger agreement, its ancillary agreements (including voting
agreements) and the contemplated transaction. Various combinations of the exchange ratio and the amount of the special dividend
were considered by the parties. In addition to those two issues, which were the two most heavily negotiated items, the negotiations
of the merger agreement primarily concentrated on post-closing corporate governance matters, employment agreements with select
individuals, the amount of the termination fee payable by County in certain circumstances, the representations and warranties
and covenants of the parties and the conditions to closing the transaction. Multiple drafts of the merger agreement were exchanged
and several negotiating sessions occurred.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">In early
March, ChoiceOne indicated that it could accept the 2.0632 exchange ratio if it were coupled with a special dividend of $0.75
per share. Shortly thereafter, the parties came to a mutual agreement on the 2.0632 exchange ratio and a $0.60 per share special
dividend. During the course of the next couple of weeks, the parties and their respective legal counsel continued to negotiate
other aspects of the merger agreement, including primarily those referenced in the preceding paragraph.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On March
22, 2019, the County board of directors met to again review and consider the merger. At that meeting, a representative of Hunton
Andrews Kurth LLP summarized the key terms of the definitive merger agreement and related transaction documents. Hunton Andrews
Kurth LLP advised of the fiduciary and legal obligations applicable to directors when considering a merger of County with and
into ChoiceOne. Also at the meeting, a representative of Boenning summarized the strategic and financial rationale in favor of
the transaction for both parties and responded to questions by the County board of directors. At the request of the County board
of directors, Boenning then delivered its oral opinion, which was confirmed in writing and dated March 22, 2019, to the effect
that, as of such date and based upon and subject to the factors and assumptions set forth therein, the exchange ratio was fair,
from a financial point of view, to the County shareholders. After further discussion among the directors and County's advisors,
and after taking into account, among other things, the factors described in the section of this document entitled &quot;The Merger
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">&ndash; County's Reasons for the
Merger and Recommendation of the County Board of Directors,&quot; beginning on page 47, the County board of directors determined
that the merger and the merger agreement were advisable, fair to, and in the best interests of, County and its shareholders, adopted
the merger agreement and approved the merger and related transactions and recommended the approval of the merger agreement by
County shareholders. Ten of the members of the County board of directors voted in favor of adopting the merger agreement, and
four members voted against adopting the merger agreement. One of the directors who voted against adopting the merger agreement
did so because he felt that engaging in broader marketing efforts of County might achieve a higher purchase price and therefore
deliver higher value to County shareholders. The other three directors who voted against adopting the merger agreement did so
due to concerns regarding the impact the </FONT></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="font: 10pt/115% Times New Roman, Times, Serif">merger might have on the local community. Each member of the County board of directors
(including those who voted against adopting the merger agreement) signed a voting agreement, in his or her capacity as a shareholder
of County, agreeing to vote his or her shares in favor of approving the merger agreement, subject to certain limited exceptions</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">On March
22, 2019, the ChoiceOne board of directors held a special meeting. A representative from ProBank Austin and representatives from
Warner Norcross attended the meeting. At this meeting, ChoiceOne management reviewed with the ChoiceOne board of directors the
final terms of the transaction. Warner Norcross advised of the fiduciary and legal obligations applicable to directors when considering
a merger of County with and into ChoiceOne and reviewed the final terms of the proposed definitive merger agreement, proposed
employment agreements with select individuals, proposed voting agreements and a proposed amendment to ChoiceOne's articles of
incorporation to increase the amount of authorized shares of common stock. At the request of the ChoiceOne board of directors,
ProBank Austin reviewed with the ChoiceOne board of directors presented a financial analysis of the merger and rendered to the
ChoiceOne board of directors an oral opinion, confirmed by delivery of a written opinion dated March 22, 2019, to the effect that,
as of such date and based upon its analysis and subject to the qualifications set forth in the written opinion, the merger consideration
to be paid to County was fair, from a financial point of view, to ChoiceOne. After further discussion and taking into account,
among other things, the factors described in the section of this document entitled &quot;The Merger <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">&ndash;
ChoiceOne's Reasons for the Merger and Recommendation of the ChoiceOne Board of Directors,&quot; beginning on page 44, the ChoiceOne
board of directors unanimously determined that the merger agreement and the merger were fair to and in the best interests of ChoiceOne
and its shareholders and were in compliance with all applicable laws, unanimously adopted the merger agreement and approved the
merger and related transactions and unanimously recommended the approval of the merger agreement and the amendment to ChoiceOne's
articles of incorporation to increase the authorized shares of common stock by ChoiceOne shareholders. Following the meeting,
all of the directors of ChoiceOne signed voting agreements, in his or her capacity as a shareholder of ChoiceOne, agreeing to
vote his or her shares in favor of approving the merger agreement, subject to certain limited exceptions</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The merger
agreement was executed and delivered after the close of the U.S. stock market on Friday, March 22, 2019. On the morning of Monday,
March 25, 2019, before the open of the U.S. stock market, ChoiceOne and County issued a joint news release publicly announcing
the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B><A NAME="a_053"></A>ChoiceOne's
Reasons for the Merger and Recommendation of the ChoiceOne Board of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In adopting the
merger agreement and recommending approval of the ChoiceOne proposals set forth in this joint proxy statement and prospectus, the
ChoiceOne board of directors consulted with members of ChoiceOne's management and with ChoiceOne's legal and financial advisors,
and also considered a number of factors that the ChoiceOne board of directors viewed as relevant to its decisions. The principal
factors that the ChoiceOne board of directors viewed as relevant to its decisions are:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the expectation that the merger will result in approximately 14% earnings per share accretion
                                                                                                               in the first full year based on fully phased-in cost savings of approximately 10% of the combined expenses of the
                                                                                                               two companies and a tangible book value earn-back period of approximately 3 years;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that the merger will create the 12<SUP>th</SUP> largest bank holding company in Michigan
based on asset size, with approximately $1.3 billion in total assets and 28 locations in West and Southeast Michigan;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that the merger will allow ChoiceOne to enter the Southeast Michigan market;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the belief that, in County, ChoiceOne will be partnering with a like-minded organization that shares
the same culture, values and commitment to serve its customers and communities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the belief that the combined organization will increase talent and scale resulting in continued
growth and opportunities to expand into adjacent growth markets;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the belief that the combined organization will have an attractive core deposit base and this low-cost
funding will provide support for future growth;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the belief that the merger will allow the combined organization to more effectively and efficiently
navigate the challenges and costs associated with becoming a larger financial institution;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that the combined organization will have a deep, experienced team based on complementary
management strengths of ChoiceOne and County;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the expectation that the combined company will have a comprehensive retail branch delivery system
in West and Southeast Michigan, which will offer access to new customers and markets;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the potential opportunities for greater efficiencies from conducting ChoiceOne's and County's operations
as part of a single enterprise;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the board of directors' belief that the merger represents a superior opportunity for increasing
shareholder value compared to the other strategic alternatives available to ChoiceOne;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the expectation that the combined company will have increased resources to invest in future growth
opportunities in comparison to ChoiceOne on a stand-alone basis; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the opinion of ProBank Austin, dated March 22, 2019, addressed to ChoiceOne's board of directors<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">,
based on its analysis and subject to the qualifications described therein, that as of the date of the opinion, the merger consideration
to be provided to County is fair, from a financial point of view, to ChoiceOne, as more fully described below under the caption
&quot;The Merger &ndash; Opinion of ChoiceOne's Financial Advisor in Connection with the</FONT> Merger.&quot;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition to considering
the factors described above, the ChoiceOne board of directors also considered the following factors:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">its knowledge of ChoiceOne's business, operations, financial condition, earnings and prospects
and its knowledge of County's business, operations, financial condition, earnings and prospects, taking into account the results
of ChoiceOne's due diligence review of County;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the long-term and recent historical trading prices with respect to ChoiceOne common stock and County
common stock and the type and amount of the merger consideration;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that the exchange ratio is fixed and will not fluctuate based upon changes in the market
price of ChoiceOne common stock or County common stock between the date of the merger agreement and the date of the completion
of the merger;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the terms and conditions of the merger agreement, including the commitments by both ChoiceOne and
County to complete the merger and certain reciprocal provisions that may have the effect of discouraging alternative acquisition
proposals involving County or ChoiceOne, and the likelihood of completing the merger; and</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact that the merger agreement does not preclude a third party from making an unsolicited proposal
for a competing transaction with ChoiceOne or County and, that under certain circumstances, ChoiceOne or County, as applicable,
may furnish non-public information to and enter into discussions with such third party regarding an alternative transaction and
the ChoiceOne or County board, as applicable, may withdraw or modify its recommendations to ChoiceOne or County shareholders regarding
the merger and terminate the merger agreement to enter into an alternative transaction under certain circumstances.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The ChoiceOne board of
directors weighed the foregoing against a number of potentially negative factors, including:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the restrictions on the conduct of ChoiceOne's business during the period between the execution
of the merger agreement and the completion of the merger;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the costs associated with the completion of the merger and the realization of the benefits expected
to be obtained in connection with the merger, including management's time and energy and potential opportunity cost;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the challenges in absorbing the effect of any failure to complete the merger, including potential
termination fees and shareholder and market reactions;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the risk that regulatory agencies may not approve the merger or may impose terms and conditions
on their approvals that adversely affect the business and financial results of the combined company;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the challenges inherent in the combination of two businesses of the size and complexity of ChoiceOne
and County, including the possible diversion of management attention for an extended period of time;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the risk of not being able to realize all of the anticipated cost savings and operational synergies
between ChoiceOne and County and the risk that other anticipated benefits might not be realized; and</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the risks of the type and nature described under &quot;Risk Factors,&quot; beginning on page 24,
and the matters described under &quot;Special Note Regarding Forward-Looking Statements,&quot; beginning on page 22.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This discussion of the
information and factors considered by ChoiceOne's board of directors in reaching its conclusions and recommendation includes the
principal factors considered by the board of directors, but is not intended to be exhaustive and may not include all of the factors
considered by the ChoiceOne board of directors. In view of the wide variety of factors considered in connection with its evaluation
of the merger and the other transactions contemplated by the merger agreement, and the complexity of these matters, the ChoiceOne
board of directors did not find it useful and did not attempt to quantify, rank or assign any relative or specific weights to the
various factors that it considered in reaching its determination to approve the merger and the other transactions contemplated
by the merger agreement, and to make its recommendation to ChoiceOne shareholders. Rather, the ChoiceOne board of directors viewed
its decisions as being based on the totality of the information presented to it and the factors it considered, including its discussions
with and questioning of members of ChoiceOne's management and outside legal and financial advisors. In addition, individual members
of the ChoiceOne board of directors may have assigned different weights to different factors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Certain of ChoiceOne's
directors and executive officers have interests in the merger that are different from, or in addition to, those of ChoiceOne's
shareholders generally, as discussed under the caption &quot;The Merger &#8211; Interests of Certain ChoiceOne Directors and Executive
Officers in the Merger,&quot; below. The ChoiceOne board of directors was aware of and considered these potential interests, among
other matters, in evaluating the merger and in making its recommendation to ChoiceOne shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ChoiceOne
board of directors adopted the merger agreement, authorized the merger and the other transactions contemplated by the merger agreement,
and determined that the merger and the other transactions contemplated by the merger agreement, including the issuance of shares
of ChoiceOne common stock to County shareholders in connection with the merger, are in the best interests of ChoiceOne and its
shareholders. The ChoiceOne board of directors recommends that ChoiceOne shareholders vote &quot;FOR&quot; the proposal to approve
the merger agreement, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's Articles of Incorporation to increase
the number of authorized shares of ChoiceOne common stock, &quot;FOR&quot; the proposal to approve the amendment to ChoiceOne's
Articles of Incorporation to remove certain provisions related to the number of directors and vacancies on the board of directors,
&quot;FOR&quot; the ChoiceOne merger-related compensation proposal and &quot;FOR&quot; the ChoiceOne adjournment proposal.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each of the ChoiceOne
directors has entered into a voting agreement with County, pursuant to which such director has agreed to vote in favor of the merger
agreement at the special meeting in his or her capacity as a shareholder of ChoiceOne. For more information regarding the voting
agreements, please see the section entitled &quot;The Merger &ndash; Voting Agreements&quot; beginning on page 67.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in"><B><A NAME="a_054"></A>County's Reasons for the
Merger and Recommendation of the County Board of Directors</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The County board
of directors believes that partnering with ChoiceOne will maximize the long-term value of its shareholders' investment in County,
and that the merger will provide the combined company with additional resources necessary to compete more effectively in Michigan.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In reaching a determination
to adopt the merger agreement and approve the transactions contemplated thereby, including the merger, and recommend approval
thereof by County's shareholders, the County board of directors considered a number of factors, both positive and negative, and
potential benefits and detriments of the merger to County and its shareholders. The County board of directors identified the following
factors and benefits of the merger that, among others, the County board of directors believes generally support its determination
and recommendation:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the County board of directors' understanding of, and presentations of County's management regarding,
the business capabilities, earnings and growth prospects, current and projected financial and regulatory condition, assets, results
of operations, business strategy and current and prospective regulatory environment of both County and ChoiceOne;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the County board of directors' analysis of other strategic alternatives for County, including continuing
to operate as a standalone company and the potential to acquire, be acquired or combine with other third parties, and the risks
and uncertainties associated with each alternative, as well as the County board of directors' assessment that none of these alternatives
was reasonably likely to present superior opportunities for County to create greater value for County's shareholders, taking into
account the timing and the likelihood of accomplishing such alternatives and the risks of execution, as well as business, competitive,
industry and market risks;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the financial information and analyses presented by Boenning to the County board of directors,
and Boenning's verbal opinion that, as of such date and based upon and subject to the assumptions, procedures, factors, qualifications
and limitations set forth therein, the exchange ratio was fair, from a financial point of view, to holders of County common stock;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the structure of the transaction and the financial and other terms of the merger agreement, including
the adequacy of the merger consideration, not only in relation to the stock purchase price for County common stock, but also in
relation to the historical, present and anticipated future operating results and financial position of County in relation to the
historical, present and anticipated future operating results and financial position of ChoiceOne;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the fact the merger consideration to be paid in the form of ChoiceOne common stock will provide
County's shareholders the opportunity to participate in any future earnings or growth of the combined company and future appreciation
in the value of the combined company's common stock following the transaction;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County's closing condition in the merger agreement that Hunton Andrews Kurth LLP (or other independent
legal counsel to County) will have rendered its opinion that the merger will qualify as a &quot;reorganization&quot; within Section&nbsp;368(a)
of the Code, and the County board of directors' expectation that County's shareholders will not recognize any gain or loss for
U.S. federal income tax purposes as a result of the completion of the merger, except with respect to any cash they receive in lieu
of fractional shares of ChoiceOne common stock;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the results of County's due diligence investigation of ChoiceOne, including the County board of
directors' opinion of the reputation, competence, business practices, integrity and experience of ChoiceOne and its management;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">that the merger will result in a combined company with greater financial resources and a higher
lending limit than County would have if it were to continue its operations as an independent entity;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the anticipated cost savings from expected increases in operating efficiency, reduced payments
to vendors and third parties and elimination of duplicative positions, while increasing responsiveness to compliance and regulatory
requirements;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the lack of geographic overlap between County and ChoiceOne, whereby the merger will expand and
diversify the markets in which the combined company operates and is expected to result in a high rate of retention of County and
ChoiceOne employees after the announcement of the merger, which retention is expected to benefit the combined company;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify"></P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County's size makes County susceptible to another economic downturn and County's management's view
that ChoiceOne's greater resources provides the combined company greater resiliency;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the expectation that ChoiceOne's breadth and depth of management will offer County greater expertise,
an ability to offset staffing deficiencies and succession issues and greater bench strength;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County's management's view that the merger will allow for greater opportunities for County's clients,
customers and other constituencies within the communities in which County operates, and that the potential synergies, low loan
and deposit concentration levels allowing greater growth in all classes of commercial lending and diversification resulting from
the merger will enhance product offerings and customer service beyond the level believed to be reasonably achievable by County
on an independent basis;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the recommendation of County's management in favor of the merger, considered in light of the benefits
to be received by them in connection with the merger;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">that upon consummation of the merger, the board of directors of the combined company will contain
seven members designated by County;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">that the terms and conditions of the merger agreement, including, but not limited to, the representations,
warranties and covenants of the parties, the conditions to closing and the form and structure of the merger consideration, are
reasonable;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">subject to certain limits set forth in the merger agreement, the merger consideration is a fixed
exchange ratio of shares of County common stock to ChoiceOne common stock; as a result, County's shareholders could benefit from
an increase in the trading price of ChoiceOne common stock (or a decrease in the trading price of County common stock) during the
pendency of the merger;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the ability of the County board of directors to change its recommendation that County's shareholders
vote to approve the merger agreement, subject to the terms and conditions set forth in the merger agreement (including the right
of ChoiceOne to match any competing bid and the payment of a termination fee);</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">post-transaction indemnification and tail D&amp;O coverage afforded the former directors, officers,
employees and agents of County under the terms of the merger agreement; and</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">that the merger agreement requires ChoiceOne to use commercially reasonable efforts (as defined
in the merger agreement) to cause the shares of ChoiceOne common stock that will be issued as merger consideration to County shareholders
to be authorized for listing on the Nasdaq Capital Market no later than April 30, 2020, and the greater liquidity that County shareholders
would be expected to experience as a result.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The County board
of directors also identified and considered a variety of uncertainties and risks concerning the merger, including, but not limited
to, the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the possibility that the merger
may not be completed, or that its completion may be unduly delayed, for reasons beyond the control of County or ChoiceOne;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the regulatory approvals required
to complete the merger, the potential length of the regulatory approval process and the risks that the regulators could impose
materially burdensome conditions that would allow either party to terminate merger agreement or refuse to consummate the merger;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the diversion of time, attention
and effort required from County's management and employees, and County employee attrition, during the period prior to the completion
of the merger and the potential effect on County's and ChoiceOne's respective business and relationships with customers, service
providers and other stakeholders (including creditors), whether or not the merger is completed;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the risk that certain members of
County's management and employees might choose not to remain employed with the combined company;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the requirement that County conduct
itself in the ordinary course of business and the other restrictions on the conduct of County's business prior to completion of
the merger, which may delay or prevent County from undertaking business opportunities that may arise pending completion of the
merger;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the potential that certain provisions
of the merger agreement prohibiting County from soliciting, and limiting its ability to respond to, proposals for alternative
transactions and requiring the payment of a termination fee could have the effect of discouraging an alternative proposal;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the transaction costs and expenses
that will be incurred in connection with the merger, including the costs of integrating the businesses of County and ChoiceOne;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the risk that benefits and synergies
currently expected to result from the merger may not be realized or may not be realized within the expected time period, and the
risks associated with the integration of County and ChoiceOne;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the lack of geographic overlap between
County and ChoiceOne, which may limit the combined company's ability to implement cost savings by eliminating branch locations
and duplicate management and other employee positions;</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the merger consideration is a fixed
exchange ratio of shares of County common stock to ChoiceOne common stock; as a result, County's shareholders could be adversely
affected by a decrease in the trading price of ChoiceOne common stock (or an increase in the trading price of County common stock)
during the pendency of the merger; and</FONT></LI>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: disc">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">the interests that certain officers
and directors of County have in the merger, including but not limited to interests under the change in control payment to Bruce
J. Cady and the employment agreement between Michael J. Burke and ChoiceOne (which are further described in the section of this document
entitled &quot;The Merger &#8211; Interests of Certain County Directors and Executive Officers in the Merger&quot; beginning on
page 63).</FONT></LI>

</UL>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The foregoing discussion
of information and factors considered by the County board of directors is not intended to be exhaustive. In light of the variety
of factors considered in connection with its evaluation of the merger agreement and the transactions contemplated thereby, the
County board of directors did not find it practicable to, and did not, quantify or otherwise assign relative weights to the specific
factors considered in reaching its determinations and recommendations. Moreover, each member of the County board of directors applied
his or her own personal business judgment to the process and may have given different weight to different factors than other members
gave to such factors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>After careful
consideration, at its meeting on March 22, 2019, the County board of directors determined that the merger is in the best interests
of County and its shareholders and that the consideration to be received in the merger is fair to County shareholders. Accordingly,
the County board of directors adopted the merger agreement and approved the transactions contemplated thereby. The County board
of directors recommends that County shareholders vote &quot;FOR&quot; approval of the merger agreement.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each of the County
directors has entered into a voting agreement with ChoiceOne, pursuant to which such director has agreed to vote in favor of the
merger agreement at the special meeting in his or her capacity as a shareholder of County. For more information regarding the voting
agreements, please see the section entitled &quot;The Merger &ndash; Voting Agreements&quot; beginning on page 67.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_055"></A>Opinion of ChoiceOne's Financial Advisor in Connection
with the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On October 29, 2018,
ChoiceOne retained ProBank Austin and Investment Bank Services, Inc. (the registered broker/dealer subsidiary of ProBank Austin)
to serve as exclusive financial advisor in connection with evaluating a potential merger with County. ProBank Austin is an investment
banking and consulting firm specializing in community bank mergers and acquisitions. ChoiceOne selected ProBank Austin as its financial
advisor on the basis of its experience and expertise in representing financial institutions in similar transactions and its familiarity
with ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In its capacity
as financial advisor, ProBank Austin provided a fairness opinion (the &quot;ProBank Austin Opinion&quot;) to the board of directors
of ChoiceOne (the &quot;ChoiceOne Board&quot;) in connection with the merger. At the meeting of the ChoiceOne Board on March 22,
2019, ProBank Austin rendered its oral opinion (which was subsequently confirmed in writing by delivery of ProBank Austin's written
opinion dated March 22, 2019) that, based upon and subject to the analysis and qualifications set forth in such opinion, as of
such date, the Merger Consideration set forth in the merger agreement was fair, from a financial point of view, to ChoiceOne.
The &quot;Merger Consideration&quot; is defined as the right of each holder of County common stock to receive 2.0632 shares of
ChoiceOne common stock for each share of County common stock upon completion of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The full text of
the ProBank Austin Opinion, which sets forth, among other things, the assumptions made, procedures followed, matters considered
and limitations on the review undertaken in rendering its opinion, is attached as Annex E to this joint proxy statement/prospectus
and is incorporated herein by reference. The summary of the ProBank Austin Opinion set forth herein is qualified in its entirety
by reference to the full text of the opinion.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>The ProBank Austin
Opinion was for the information of, and was directed to, the ChoiceOne Board (in its capacity as such) in connection with its consideration
of the financial terms of the merger as of the date of the opinion. The opinion addressed only the fairness, from a financial point
of view, of the Merger Consideration paid by ChoiceOne. It did not address the underlying business decision of ChoiceOne to engage
in the merger or enter into the merger agreement or constitute a recommendation to the ChoiceOne Board in connection with the merger,
and it does not constitute a recommendation to any holder of ChoiceOne common stock or any shareholder of any other entity as to
how to vote in connection with the merger proposal or any other matter. </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The ProBank Austin
Opinion was reviewed and approved by the fairness opinion committee of ProBank Austin. ProBank Austin expressed no view or opinion
as to any of the legal, accounting and tax matters relating to the merger and any other transactions contemplated by the merger
agreement or any terms or other aspects of the merger agreement or the merger. ProBank Austin expressed no opinion as to the fairness
of any consideration paid in connection with the merger to the holders of any other class of securities, creditors or other constituencies
of ChoiceOne or as to the underlying decision by ChoiceOne to engage in the merger or enter into the merger agreement. ProBank
Austin did not express any opinion as to the fairness of the amount or nature of the compensation to be received in the merger
by ChoiceOne officers, directors or employees, or any class of persons, relative to the compensation to be received in the merger
by the holders of ChoiceOne common stock or relative to the Merger Consideration.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The description
of the opinion set forth below is qualified in its entirety by reference to the ProBank Austin Opinion. You should consider the
following when reading the discussion of ProBank Austin's Opinion in this document:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 11pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">The opinion letter details the procedures followed, assumptions made, matters considered, and qualifications
and limitations of the review undertaken by ProBank Austin in connection with its opinion, and should be read in its entirety;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 11pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ProBank Austin expressed no opinion as to the price at which ChoiceOne's or County's common stock
would actually trade at any given time;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 11pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">The ProBank Austin Opinion does not address the relative merits of the merger and the other business
strategies considered by ChoiceOne's Board, nor does it address the ChoiceOne Board's decision to proceed with the merger; and</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 11pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">The ProBank Austin Opinion rendered in connection with the merger does not constitute a recommendation
to any ChoiceOne shareholder as to how he or she should vote their shares.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0.5in 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The preparation
of a fairness opinion involves various determinations as to the most appropriate methods of financial analysis and the application
of those methods to the particular circumstances. It is, therefore, not readily susceptible to partial analysis or summary description.
In performing its analyses, ProBank Austin made numerous assumptions with respect to industry performance, business and economic
conditions, and other matters, many of which are beyond the control of ChoiceOne and County and may not be realized. Any estimates
contained in ProBank Austin's analyses are not necessarily predictive of future results or values, and may be significantly more
or less favorable than the estimates. Estimates of values of companies do not purport to be appraisals or necessarily reflect
the prices at which the companies or their securities may actually be sold. Unless specifically noted, none of the analyses performed
by ProBank Austin was assigned a greater significance by ProBank Austin than any other. The relative importance or weight given
to these analyses is not affected by the order of the analyses or the corresponding results. The summaries of financial analyses
include information presented in tabular format. The tables should be read together with the text of those summaries.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">With respect to
expected transaction costs, accounting adjustments and cost savings, ChoiceOne's and County's management confirmed to us that they
reflected the best currently available estimates and judgments of management of the future financial performance of ChoiceOne and
County, respectively, and ProBank Austin assumed that such performance would be achieved. ChoiceOne's and County's management represented
to ProBank Austin that there has been no material change in ChoiceOne's or County's assets, financial condition, results of operations,
business or prospects since the date of the most recent financial statements made available to ProBank Austin. ProBank Austin assumed
in all respects material to its analysis that ChoiceOne and County will remain as going concerns for all periods relevant to the
analyses, that all of the representations and warranties contained in the merger agreement are true and correct, that each party
to the merger agreement will perform all of the covenants required to be performed by such party under the merger agreement, and
that the closing conditions in the merger agreement are not waived. Finally, ProBank Austin expresses no view or opinion as to
the legal, accounting and tax matters relating to the merger and the other transactions contemplated by the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin has
relied, without independent verification, upon the accuracy and completeness of the information it reviewed for the purpose of
rendering its opinion. ProBank Austin did not undertake any independent evaluation or appraisal of the assets and liabilities of
ChoiceOne or County, nor was it furnished with any appraisals. ProBank Austin has not reviewed any individual credit files of ChoiceOne
or County, and has assumed that ChoiceOne's and County's allowances are, in the aggregate, adequate to cover inherent credit losses.
The ProBank Austin Opinion is based on economic, market and other conditions existing on the date of the opinion. No limitations
were imposed by ChoiceOne's Board or its management on ProBank Austin with respect to the investigations made or the procedures
followed by ProBank Austin in rendering its opinion.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In rendering its
opinion, ProBank Austin made the following assumptions:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">all material governmental, regulatory and other consents and approvals necessary for the consummation
of the merger would be obtained without any adverse effect on ChoiceOne, County or the anticipated benefits of the merger; and</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne and County have provided all of the information that might be material to ProBank Austin
in its review.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
its opinion, ProBank Austin reviewed:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the merger agreement dated as of March 22, 2019;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">certain publicly available financial statements and other historical financial information of County
and ChoiceOne that ProBank Austin deemed relevant;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the historical financial performance, current financial position, budgets and projections and general
prospects of each of County and ChoiceOne;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the pro forma financial impact of the merger to ChoiceOne and County, based on assumptions and
projections, including without limitation, the cost savings and related expenses expected to result or be derived from the merger,
which were reviewed with management of ChoiceOne and County, as well as representatives of County;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">publicly reported historical stock price and trading activity for ChoiceOne and County's common
stock, including an analysis of certain financial and stock information of certain other publicly traded companies deemed comparable
to ChoiceOne and County;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the financial terms of certain recent business combinations in the commercial banking industry,
to the extent publicly available, deemed comparable to the merger;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the current market environment generally and the banking environment in particular; and</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">such other information, financial studies, analyses and investigations and financial, economic
and market criteria as ProBank Austin considered relevant.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin also
discussed with certain members of senior management of ChoiceOne the business, financial condition, results of operations and prospects
of ChoiceOne, including certain operating, regulatory and other financial matters. ProBank Austin held similar discussions with
certain members of senior management of County and their financial advisor regarding the business, financial condition, results
of operations and prospects of County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following is
a summary of the material factors considered and analyses performed by ProBank Austin in connection with its opinion dated March
22, 2019. The summary does not purport to be a complete description of the analyses performed by ProBank Austin. Capitalized terms
used herein without definition shall have the meanings given to such terms in the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Summary of Financial Terms of Merger
Agreement. </I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The financial terms
of the merger agreement provide that County shareholders shall be entitled to receive 2.0632 shares of ChoiceOne common stock in
exchange for each share of County common stock. As part of completing the transaction, it is expected that ChoiceOne will declare
and pay a special dividend of $0.60 per share to ChoiceOne shareholders in advance of closing.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The implied value
of the Merger Consideration was $89.0 million in the aggregate or $50.96 per share, based on 1,746,884 shares of County common
stock outstanding, the exchange ratio of 2.0632 and ChoiceOne's closing price of $24.70 on March 21, 2019. The Merger Consideration
represents:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">150 percent of County's December 31, 2018 tangible equity of $59.2 million; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">12.3
times County's estimated 2018 net income of $7.2 million (excluding losses on the sale of securities); and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">Pro forma ownership of 50.1 percent by ChoiceOne shareholders and 49.9 percent by County shareholders
based on current shares outstanding, excluding outstanding ChoiceOne stock options and restricted stock units.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I></I></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Contribution Analysis.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin
compared certain stand-alone balance sheet and income statement balances and relative contribution in resulting pro forma combined
company for the period ended December 31, 2018.&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>ChoiceOne Contribution</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>County Contribution</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; line-height: 115%"><B>Pro Forma</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%; text-align: justify"><B><U>($000)</U></B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Value</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Percent</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Value</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Percent</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Combined <FONT STYLE="font-size: 8pt">(1)</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 42%; text-align: justify; line-height: 115%">Total Assets <FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">670,173</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">52.1%</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">616,564</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">47.9%</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%">1,286,737</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Tangible Equity </TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">66,749</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">53.0%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">59,160</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">47.0%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">125,909</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Adjusted Tangible Equity <FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">64,562</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">52.2%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">59,160</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">47.8%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">123,721</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Pre-Tax Pre-Provision Earnings <FONT STYLE="font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">8,418</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">51.1%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">8,051</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">48.9%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">16,469</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Stated Net Income</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">7,333</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">51.5%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">6,918</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">48.5%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">14,251</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Adjusted Net Income <FONT STYLE="font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">7,250</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">51.4%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">6,851</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">48.6%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">14,101</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">03/21/2019 Market Capitalization <FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">87,574</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">52.4%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">79,501</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">47.6%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">167,075</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Pro Forma Ownership <FONT STYLE="font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">50.1%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">49.9%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="width: 97%; text-align: justify"><FONT STYLE="font-size: 8pt">Pro Forma Combined represents the sum of ChoiceOne and County data excluding any purchase accounting marks or merger adjustments.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">ChoiceOne&rsquo;s total assets shown above and used in this analysis were based on preliminary calculations.&nbsp;&nbsp;ChoiceOne&rsquo;s actual total assets were $670,420,000, as reported in ChoiceOne&rsquo;s annual report on Form 10-K for the fiscal year ended December 31, 2018.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">Adjusted for expected special dividend of $0.60 per share ($2.2 million in the aggregate) to ChoiceOne shareholders prior to closing.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(4)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">ChoiceOne adjusted for 2.5% pre-tax opportunity cost on special dividend and 21% tax rate. County's adjusted PTPP earnings and net income exclude purchase accounting accretion/expense recorded in 2018.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(5)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">Market capitalization based on YTD 2019 average closing price.&nbsp;&nbsp;ChoiceOne's market capitalization was reduced for payment of an expected special dividend to ChoiceOne shareholders prior to closing.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(6)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">Based on the Merger Consideration, current shares outstanding, and excluding outstanding ChoiceOne stock options and restricted stock units.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At December 31,
2018, ChoiceOne's total assets equaled $670 million and County's total assets equaled $617 million, representing 52.1 percent and
47.9 percent, respectively, of the pro forma combined company. ChoiceOne's tangible equity equaled $66.7 million at December 31,
2018. Based on the payment of an expected special dividend of $0.60 per share to ChoiceOne shareholders prior to closing, the resulting
adjusted tangible equity equaled $64.6 million, or 52.2 percent of the pro forma combined company, while County's tangible equity
equaled $59.2 million, or 47.8 percent of the pro forma combined company. For the full year ended December 31, 2018, ChoiceOne
reported net income of $7.3 million, or 51.5 percent of the pro forma combined company, and County reported net income of $6.9
million, or 48.5 percent of the pro forma combined company. Based on the number of current shares outstanding, excluding outstanding
ChoiceOne stock options and restricted stock units, and the Merger Consideration, the pro forma resulting ownership split would
be 50.1 percent ownership to ChoiceOne shareholders and 49.9 percent to County shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>ChoiceOne and County Financial Performance
and Market Trading Data versus Peer.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin compared
selected results of ChoiceOne and County's operating and stock performance to that of 11 publicly traded banks that are headquartered
in Michigan with assets between $300 million and $1.0 billion.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This peer group
consisted of the following companies:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 38%; line-height: 115%"><B>Name</B></TD>
    <TD STYLE="vertical-align: bottom; width: 7%; text-align: center; line-height: 115%"><B>State</B></TD>
    <TD STYLE="vertical-align: bottom; width: 9%; text-align: center; line-height: 115%"><B>Symbol</B></TD>
    <TD STYLE="vertical-align: top; width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 27%; line-height: 115%"><B>Name</B></TD>
    <TD STYLE="vertical-align: bottom; width: 7%; text-align: center; line-height: 115%"><B>State</B></TD>
    <TD STYLE="vertical-align: bottom; width: 9%; text-align: center; line-height: 115%"><B>Symbol</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Century Financial Corp.</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">CYFL</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">HCB Financial Corp.</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">HCBN</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">CNB Community Bancorp Inc.</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">CNBB</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">Oxford Bank Corporation</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">OXBC</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Commercial National Financial</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">CEFC</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">Southern Michigan Bancorp Inc.</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">SOMC</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Eastern Michigan Fncl. Corp</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">EFIN</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">Sturgis Bancorp</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">STBI</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Fentura Financial Inc.</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">FETM</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">West Shore Bank Corporation</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">WSSH</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">FNBH Bancorp Inc.</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">MI</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">FNHM</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in"></P>

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<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in">ProBank Austin noted the following selected financial
measures:&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Peer Financial Performance <FONT STYLE="font-size: 8pt"><SUP>(1)</SUP></FONT></B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 44%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>25<SUP>th</SUP> Pct</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Median</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>75<SUP>th</SUP> Pct</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 13%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>ChoiceOne <SUP>(1)</SUP></B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>County <SUP>(1)</SUP></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Total Assets ($mils) <FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">$&nbsp;&nbsp;&nbsp;&nbsp;412.4</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;&nbsp;&nbsp;457.4</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;&nbsp;&nbsp;662.1</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">$&nbsp;&nbsp;&nbsp;&nbsp;670.2</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$&nbsp;&nbsp;&nbsp;&nbsp;616.6</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Tangible Equity / Tangible Assets</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">8.52%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">9.59%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">9.76%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">10.17%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">9.61%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">LTM PTPP / Average Assets</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">1.23%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1.32%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1.40%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">1.32%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1.40%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">LTM Core Return on Average Assets (ROAA) <FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">0.94%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1.08%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1.18%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">1.13%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1.18%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">LTM Core Return on Average Equity (ROAE) <FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">9.44%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">10.51%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">12.07%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">9.44%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">12.07%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">NPAs / Total Assets</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">0.50%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.34%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.24%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: 0.2pt; text-align: right; line-height: 115%">0.24%</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">0.33%</TD></TR>
</TABLE>
<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0 0 0 58.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">LTM = Last twelve month</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">PTPP = Pre-Tax Pre-Provision Earnings
= Net Interest Income + Noninterest Income - Noninterest Expense</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">NPAs = Nonperforming assets, excluding
restructured loans.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="width: 3%"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="width: 97%; text-align: justify"><FONT STYLE="font-size: 8pt">Peer group financial performance includes both ChoiceOne and County. Peer group financial data based on information available as of March 18, 2019.&nbsp;&nbsp;ChoiceOne and County's financial performance as of December 31, 2018.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">ChoiceOne&rsquo;s total assets shown above and used in this analysis were based on preliminary calculations.&nbsp;&nbsp;ChoiceOne&rsquo;s actual total assets were $670,420,000, as reported in ChoiceOne&rsquo;s annual report on Form 10-K for the fiscal year ended December 31, 2018.</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: top">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">(3)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">Peer information was derived from S&amp;P Global Market Intelligence, which defines the term &quot;core&quot; for SEC reporting companies as the applicable financial measure as reported by a company in its SEC filings, excluding nonrecurring revenue and expense, gains/losses on sale of securities along with certain noncash expenses such as intangible amortization expense.&nbsp;&nbsp;Because County is not an SEC reporting company, the term &quot;core&quot; with respect to County means the applicable financial measure excluding losses on the sale of securities.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This comparison
indicated that ChoiceOne approximated the median result of the peer group for PTPP to average assets, while its core ROAA exceeded
the peer group median and its core ROAE equaled the 25<SUP>th</SUP> percentile of the peer group. County exceeded the median results
of the peer group for PTPP to average assets, core ROAA and core ROAE. ChoiceOne's tangible equity to assets ratio was above the
75<SUP>th</SUP> percentile of the peer group and County's tangible equity to asset ratio was between the median and 75<SUP>th</SUP>
percentile of the peer group. ChoiceOne and County's NPAs to total assets were between the median and the 75<SUP>th</SUP> percentile
of the peer group. The following presents a summary of the market trading data of ChoiceOne and County compared to this same peer
group as of March 18, 2019:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="2" STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Peer Market Trading Data</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 26%; border-bottom: Black 1pt solid; line-height: 115%"><B>As of 03/18/2019</B></TD>
    <TD STYLE="width: 19%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>25<SUP>th</SUP> Pct</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Median</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>75<SUP>th</SUP> Pct</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 13%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>ChoiceOne</B></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>County</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top; line-height: 115%">Price / Tangible Book Value per Share</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.1pt; text-align: right; line-height: 115%">100%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.6pt; text-align: right; line-height: 115%">121%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">141%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">141%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">140%</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top; line-height: 115%">Price / LTM Core EPS <FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.1pt; text-align: right; line-height: 115%">10.0</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.6pt; text-align: right; line-height: 115%">10.6</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">12.2</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">12.4</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">11.0</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top; line-height: 115%">Dividend Yield</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.1pt; text-align: right; line-height: 115%">2.3%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.6pt; text-align: right; line-height: 115%">2.7%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3.0%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2.9%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">4.4%</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top; line-height: 115%">Average Monthly Volume </TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.1pt; text-align: right; line-height: 115%">7,749</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.6pt; text-align: right; line-height: 115%">10,437</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">17,829</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">17,829</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">7,161</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top; line-height: 115%">Avg. Monthly Volume as % of Shares</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.1pt; text-align: right; line-height: 115%">0.4%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-right: 1.6pt; text-align: right; line-height: 115%">0.5%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.7%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.5%</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.4%</TD></TR>
<TR STYLE="background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">EPS = Earnings per share</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 3%; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: top; width: 97%; font: 10pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 8pt">Peer information was derived from S&amp;P Global Market Intelligence, which defines the term &quot;core&quot; for SEC reporting companies as the applicable financial measure as reported by a company in its SEC filings, excluding nonrecurring revenue and expense, gains/losses on sale of securities along with certain noncash expenses such as intangible amortization expense.&nbsp;&nbsp;Because County is not an SEC reporting company, the term &quot;core&quot; with respect to County means the applicable financial measure excluding losses on the sale of securities.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
traded at approximately the 75<SUP>th</SUP> percentile of the peer group as measured by the price to tangible book. ChoiceOne exceeded
the 75<SUP>th</SUP> percentile of the peer group as measured by the price to LTM core EPS, while County traded between the peer
group median and 75<SUP>th</SUP> percentile. ChoiceOne's dividend yield approximated the 75<SUP>th</SUP> percentile of the peer
group, while County's dividend yield exceeded the 75<SUP>th</SUP> percentile. ChoiceOne approximated the peer group median in average
monthly trading volume to shares, while County approximated the 25<SUP>th</SUP> percentile.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin also
considered financial and stock performance of publicly-traded banks and thrifts in the nation with assets between $500 million
to $1.0 billion and $1.0 billion to $3.0 billion. The following presents a summary of the financial measures and market trading
data as of March 18, 2019:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 70%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%"><BR>
<B>Asset Range</B></TD>
    <TD STYLE="width: 28%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; padding-right: 12.6pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 18%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>$500 Million -</B><BR>
<B>$1 Billion</B></TD>
    <TD STYLE="width: 3%; padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 16%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>$1 Billion -</B><BR>
<B>$3 Billion</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="text-align: justify; line-height: 115%">Number of Companies</TD>
    <TD STYLE="padding-right: 12.6pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">133&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">171&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: justify; line-height: 115%">Median YTD ROAA</TD>
    <TD STYLE="padding-right: 12.6pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">1.04%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">1.11%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="text-align: justify; line-height: 115%">Median YTD ROATCE</TD>
    <TD STYLE="padding-right: 12.6pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">10.71%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">12.01%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: justify; line-height: 115%">Average Price / Tangible Book Value Per Share</TD>
    <TD STYLE="padding-right: 12.6pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">135%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">146%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="text-align: justify; line-height: 115%">Median Price / Annualized YTD EPS</TD>
    <TD STYLE="padding-right: 12.6pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">12.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">12.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="2" STYLE="text-align: justify; line-height: 115%">Median Monthly Volume as % of Shares</TD>
    <TD STYLE="padding-right: 12.6pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">0.8%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-right: -5.55pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-right: -5.35pt; text-align: right; line-height: 115%">2.8%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">YTD = Year-to-date</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">ROATCE = Return on average tangible common
equity</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On a pro forma basis,
ChoiceOne and County's combined total assets would approximate $1.3 billion at December 31, 2018. The above data indicated that
publicly traded banking organizations in the $1 billion to $3 billion asset range traded at an average of 146 percent of tangible
book value and a median of 12.7 times earnings per share. As of the same date, banking organizations in the $500 million to $1
billion asset range traded at an average of 135 percent of tangible book value and a median of 12.9 times earnings per share.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Comparable Transaction Analysis.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin compared
the financial performance of certain selling institutions and the prices paid in selected transactions to County's financial performance
and the implied transaction multiples from the ChoiceOne and County merger. Specifically, ProBank Austin reviewed certain information
relating to select bank and thrift transactions in Michigan between January 1, 2016 and March 18, 2019 (with seller's assets between
$100 million and $1 billion). Seven (7) transactions were included in this group based on the selected criterion. Also, ProBank
Austin reviewed certain information relating to select bank and thrift transactions in the Midwest region between January 1, 2018
and March 18, 2019 (with seller's assets between $400 million - $1 billion and last twelve-month ROAA greater than zero). Eleven
(11) transactions were included in this peer group based on the selected criterion. The following lists the transactions reviewed
by ProBank Austin:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>Guideline M&amp;A Transactions </I></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; width: 30%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Michigan Peer</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Buyer Name</B></P></TD>
    <TD STYLE="white-space: nowrap; width: 28%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Seller Name</B></P></TD>
    <TD STYLE="vertical-align: top; width: 16%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Seller</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>City</B></P></TD>
    <TD STYLE="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Seller</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>State</B></P></TD>
    <TD STYLE="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Announcement</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Date</B></P></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Mackinac Financial Corp</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">First Fed of Northern MI Bncp</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Alpena</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">01/16/18</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Independent Bank Corp.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">TCSB Bancorp Inc</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Traverse City</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">12/04/17</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Horizon Bancorp</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Wolverine Bancorp Inc</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Midland</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">06/14/17</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Arbor Bancorp Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Birmingham Bloomfield Bcshrs</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Birmingham</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">07/20/16</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Commercial National Fncl</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Capital Directions Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Mason</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">06/16/16</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Fentura Financial Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Community Bancorp Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Saint Charles</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">03/24/16</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">County Bank Corp.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Capac Bancorp Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Capac</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MI</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">02/18/16</FONT></TD></TR>
</TABLE>
<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; width: 30%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Midwest Peer</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Buyer Name</B></P></TD>
    <TD STYLE="white-space: nowrap; width: 28%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Seller Name</B></P></TD>
    <TD STYLE="vertical-align: top; width: 16%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Seller</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>City</B></P></TD>
    <TD STYLE="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>Seller</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0"><B>State</B></P></TD>
    <TD STYLE="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Announcement</B></P>
        <P STYLE="font: 9.5pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Date</B></P></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">German American Bancorp</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Citizens First Corp.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Bowling Green</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">KY</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">02/21/19</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Heartland Financial USA</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Blue Balley Ban Corp.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Overland Park</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">KS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">01/16/19</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">First Financial Corp.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">HopFed Bancorp Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Hopkinsville</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">KY</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">01/07/19</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Horizon Bancorp Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Salin Bancshares Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Indianapolis</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">IN</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">10/29/18</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">First Mid-Illinois Bancshares</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">SCB Bancorp Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Decatur</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">IL</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">06/12/18</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">German American Bancorp</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">First Security Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Owensboro</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">KY</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">05/22/18</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Stifel Financial Corp.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Bus. Bancshares Inc.</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Clayton</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MO</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">05/10/18</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Capitol Federal Financial</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Capital City Bancshares</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Topeka</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">KS</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">04/30/18</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">QCR Holdings Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Springfield Bancshares</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Springfield</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">MO</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">04/18/18</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Triumph Bancorp Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">First Bancorp of Durango</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Inverness</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">IL</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">04/09/18</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Civista Bancshares Inc.</FONT></TD>
    <TD STYLE="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">United Community Bancorp</FONT></TD>
    <TD STYLE="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Lawrenceburg</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; line-height: 115%"><FONT STYLE="font-size: 9.5pt">IN</FONT></TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">03/12/18</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
highlights the median results of the guideline M&amp;A transactions in comparison to the merger:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Michigan</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Midwest</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: center; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 33%; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><U>Seller's Financial Performance</U></B></FONT></TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>25<SUP>th</SUP> Pct.</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Median</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>75<SUP>th</SUP> Pct.</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>25<SUP>th</SUP> Pct.</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Median</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>75<SUP>th</SUP> Pct.</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>County&nbsp;<FONT STYLE="font-family: Times New Roman, Times, Serif"><SUP>(1)</SUP></FONT></B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Total Assets ($millions)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;220.6</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;274.7</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;341.6</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;511.1</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;586.5</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;681.0</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$&nbsp;&nbsp;&nbsp;&nbsp;616.6</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Tangible Equity / Tangible Assets</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.63%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.47%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.90%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.94%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.72%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">11.17%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.61%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Return on Average Assets</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.59%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.69%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.76%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.46%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.62%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.92%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.18%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Return on Average Equity</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6.10%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7.58%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7.84%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.80%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6.06%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7.83%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">12.07%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Efficiency Ratio</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">80.8%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">78.9%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">67.5%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">75.7%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">73.2%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">69.3%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">67.9%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Nonperforming Assets <SUP>(2)</SUP> /Assets</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.52%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.14%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.95%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.21%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.98%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.39%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.34%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 39%; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><U>Deal Transaction Multiples</U></B></FONT></TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Price/Tangible Book Value Ratio</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">124%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">141%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">157%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">157%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">165%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">186%</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">150%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Price/LTM Earnings</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">17.4</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">18.3</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">19.1</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22.0</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">27.5</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">34.3</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">12.3</FONT></TD></TR>
</TABLE>
<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">LTM = Last twelve month</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Note: M&amp;A Guideline transactions
financial performance based on most recent 12-month data.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">(1)</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 97%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">County's financial performance and deal transaction multiples based on core December 31, 2018 data.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">(2)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">Nonperforming assets include nonaccrual loans and leases, restructured loans and leases, and other real estate owned.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The 75<SUP>th</SUP>
percentile ROAA ratio of the selling banks was 0.76 percent for the Michigan transactions and 0.92 percent for the Midwest transactions,
compared to 1.18 percent for County (core excludes securities losses). County's core ROAE of 12.07 percent was above the 75<SUP>th</SUP>
percentile of 7.84 percent for the Michigan transactions and 7.83 percent for the Midwest transactions. The nonperforming assets
to assets ratio for County measured 0.34 percent and was more favorable than both the Michigan and Midwest transactions 75<SUP>th</SUP>
percentiles. The Merger Consideration indicated the price to tangible book ratio for County equaled 150 percent and was higher
than the median price to tangible book ratio of 141 percent for the Michigan transactions, but lower than the 157 percent for the
Midwest transactions 25<SUP>th</SUP> percentile. The implied price-to-core earnings multiple for County of 12.3 times was lower
than the Michigan transactions 25<SUP>th</SUP> percentile multiple of 17.4 times and the Midwest transactions 25<SUP>th</SUP> percentile
of 22.0 times.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Pro Forma Merger Analysis.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ProBank Austin performed
a pro forma analysis that considered the projected income statement, balance sheet impact and performance metrics of the merger
on ChoiceOne. ProBank Austin's analysis was prepared on a basis reflecting the best currently available information and judgement
of the management of ChoiceOne and County as to the future operating and financial performance of ChoiceOne and County, respectively.
Assumptions were made regarding the fair value accounting adjustments, cost savings, restructuring charges and other acquisition
adjustments based on discussions with management of ChoiceOne and County and their representatives. The pro forma merger analysis
indicated that the merger is expected to be dilutive to ChoiceOne's tangible book value per share at closing and that such dilution
is expected to be recovered within approximately 3.1 years. The merger is expected to be 7.2 percent accretive to ChoiceOne's earnings
per share (excluding nonrecurring transaction expenses) for the twelve-month period following completion of the merger and the
accretion is expected to increase to 14.5 percent in the second year following closing, based on cost savings becoming fully implemented.
Furthermore, the analysis indicated that ChoiceOne would continue to be well-capitalized based on consolidated regulatory capital
ratios including Tier 1 leverage ratio, CET1 ratio, Tier 1 capital ratio and total capital ratio. For all the above analyses, the
actual results achieved by ChoiceOne following the merger may vary from the projected results and the variance may be material.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>ProBank Austin's Compensation and
Other Relationships with ChoiceOne and County. </I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne has
agreed to pay ProBank Austin customary fees for its services as exclusive financial advisor in connection with the merger. ProBank
Austin has acted exclusively for the ChoiceOne Board in rendering this opinion and has received a fee from ChoiceOne in the amount
of $50,000 for rendering such opinion. In addition, ChoiceOne has paid ProBank Austin fees in the amount of $75,000 to date relating
to its services as exclusive </P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">financial advisor and, upon completion of the merger, will pay ProBank Austin additional fees in
the amount of $575,000 relating to such services.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne agreed
to reimburse ProBank Austin for its reasonable out-of-pocket expenses, and to indemnify ProBank Austin against certain liabilities,
including liabilities under securities laws. ProBank Austin has provided various consulting services to ChoiceOne in the past.
In the past two years, ProBank Austin has not provided investment banking services to County. ProBank Austin provides certain consulting
services to County; however, fees generated from such services are not material to the overall revenue of ProBank Austin.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>Summary. </I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Based on the preceding
summary discussion and analysis, and subject to the qualifications described herein, ProBank Austin determined the Merger Consideration
to be fair, from a financial point of view, to ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The opinion expressed
by ProBank Austin was based on market, economic and other relevant considerations as they existed and could be evaluated as of
the date of the opinion. Events occurring after the date of issuance of the opinion, including, but not limited to, changes affecting
the securities markets, the results of operations or material changes in the financial condition of either ChoiceOne or County
could materially affect the assumptions used in preparing this opinion.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_056"></A>Opinion of County's Financial Advisor
in Connection with the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Boenning and Scattergood,
Inc. is acting as financial advisor to County in connection with the merger. Boenning is a registered broker-dealer providing investment
banking services with substantial expertise in transactions similar to the merger. As part of its investment banking activities,
Boenning is regularly engaged in the valuation of businesses and securities in connection with mergers, acquisitions, underwritings,
private placements and valuations for estate, corporate and other purposes.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On March 22, 2019,
Boenning rendered its oral opinion, which was subsequently confirmed in writing, to the County board of directors that, as of such
date and subject to the assumptions made, matters considered and limitations of the review undertaken by Boenning, the exchange
ratio to be received by the holders of County's common stock pursuant to the merger agreement was fair, from a financial point
of view, to such holders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The full text of
Boenning's written opinion dated March 22, 2019, which sets forth the assumptions made, matters considered and limitations of the
review undertaken, is attached as Annex F to this proxy statement and is incorporated herein by reference. You are urged to, and
should, read this opinion carefully and in its entirety in connection with this proxy statement. The summary of Boenning's opinion
set forth in this proxy statement is qualified in its entirety by reference to the full text of the opinion. Boenning's opinion
speaks only as of the date of the opinion and does not reflect any developments that may have occurred, or may occur, after the
date of its opinion and prior to the completion of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No limitations were
imposed by County on the scope of Boenning's investigation or the procedures to be followed by Boenning in rendering its opinion.
Boenning was not requested to, and did not, make any recommendation to the County board of directors as to the form or amount of
the consideration to be paid to the County stockholders, which was determined through arm's length negotiations between the parties.
In arriving at its opinion, Boenning did not ascribe a specific range of values to County. Its opinion is based on the financial
and comparative analyses described below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
its opinion, Boenning, among other things:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(i)</TD><TD STYLE="text-align: justify">reviewed the historical financial performance, current financial position and general prospects
of each of County and ChoiceOne and reviewed certain internal financial analyses prepared by the respective management teams of
County and ChoiceOne;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(ii)</TD><TD STYLE="text-align: justify">reviewed the merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(iii)</TD><TD STYLE="text-align: justify">reviewed and analyzed the stock performance and trading history of County and ChoiceOne;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(iv)</TD><TD STYLE="text-align: justify">studied and analyzed the consolidated financial and operating data of County and ChoiceOne;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(v)</TD><TD STYLE="text-align: justify">reviewed the pro forma financial impact of the merger on County and ChoiceOne, based on assumptions
relating to transaction expenses, purchase accounting adjustments, cost savings and other synergies determined by the respective
management teams of County and ChoiceOne;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(vi)</TD><TD STYLE="text-align: justify">considered the financial terms of the merger as compared with the financial terms of comparable
bank and bank holding company mergers and acquisitions;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(vii)</TD><TD STYLE="text-align: justify">met and communicated with certain members of each of County's and ChoiceOne's senior management
to discuss their respective operations, historical financial statements and future prospects;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(viii)</TD><TD STYLE="text-align: justify">conducted such other analyses and considered such other factors as Boenning deemed appropriate.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 120.95pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Boenning's opinion
was given in reliance on information and representations made or given by County, ChoiceOne, and their respective officers, directors,
auditors, and other agents, and on filings, releases and other information issued by each of County and ChoiceOne including financial
statements, financial projections, and stock price data as well as certain information from recognized independent sources. Boenning
did not independently verify the information concerning County or ChoiceOne nor any other data Boenning considered in its review
and, for purposes of its opinion, Boenning assumed and relied upon the accuracy and completeness of all such information and data.
Boenning assumed that all forecasts and projections provided to it had been reasonably prepared and reflected the best currently
available estimates and good faith judgments of the respective management teams of County and ChoiceOne as to their most likely
future financial performance. Boenning expressed no opinion as to any financial projections or the assumptions on which they were
based. Boenning did not conduct any valuation or appraisal of any assets or liabilities of County or ChoiceOne, nor have any such
valuations or appraisals been provided to Boenning. Additionally, Boenning assumed that the merger is, in all respects, lawful
under applicable law.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">With respect to
anticipated transaction costs, purchase accounting adjustments, expected cost savings and other synergies and financial and other
information relating to the general prospects of County and ChoiceOne, Boenning assumed that such information had been reasonably
prepared and reflected the best currently available estimates and good faith judgment of the respective management teams of County
and ChoiceOne as to their most likely future performance. Boenning further relied on the assurances of the respective management
teams of County and ChoiceOne that they were not aware of any facts or circumstances that would make any of such information inaccurate
or misleading. Boenning was not asked to and did not undertake an independent verification of any of such information and Boenning
did not assume any responsibility or liability for the accuracy or completeness thereof. Boenning assumed that the allowance for
loan losses indicated on the balance sheet of each of County and ChoiceOne was adequate to cover such losses, and Boenning did
not review any individual loans or credit files of County and ChoiceOne. Boenning assumed that all of the representations and warranties
contained in the merger agreement and all related agreements were true and correct, that each party under the agreements will perform
all of the covenants required to be performed by such party under the agreements, and that the conditions precedent in the agreements
were not and will not be waived. Also, in rendering its opinion, Boenning assumed that in the course of obtaining the necessary
regulatory approvals for the consummation of the merger no conditions will be imposed that will have a material adverse effect
on the combined entity or contemplated benefits of the merger, including the cost savings and related expenses expected to result
from the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Boenning's opinion
is based upon information provided to it by the respective management teams of County and ChoiceOne, as well as market, economic,
financial and other conditions as they existed and could be evaluated only as of the date of its opinion and accordingly, it speaks
to no other period. Boenning did not undertake to reaffirm or revise its opinion or otherwise comment on events occurring after
the date of its opinion and did not have an obligation to update, revise or reaffirm its opinion. Boenning's opinion does not address
the relative merits of the merger or the other business strategies that County's board of directors has considered or may be considering,
nor does it address the underlying business decision of County's board of directors to proceed with the merger as opposed to any
other transaction which may have been available to County. Boenning's opinion is for the information of County's board of directors
in connection with its evaluation of the merger and does not constitute a recommendation to the board of directors of County in
connection with the merger or a recommendation to any shareholder of County as to how such shareholder should vote or act with
respect to the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
rendering its opinion, Boenning performed a variety of financial analyses that are summarized below. This summary does not purport
to be a complete description of such analyses. Boenning believes that its analyses and the summary set forth herein must be considered
as a whole and that selecting portions of such analyses and the factors considered therein, without considering all factors and
analyses, could create an incomplete view of the analyses and processes underlying its opinion. The preparation of a fairness
opinion is a complex process involving subjective judgments and is not necessarily susceptible to partial analysis or summary
description. In arriving at its opinion, Boenning considered the results of all of its analyses as a whole and did not attribute
any particular weight to any analyses or factors considered by it. The range of valuations resulting from any particular analysis
described below should not be taken to be Boenning's view of the actual value of County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In its analyses,
Boenning made numerous assumptions with respect to industry performance, business and economic conditions, and other matters,
many of which are beyond the control of County or ChoiceOne. Any estimates contained in Boenning's analyses are not necessarily
indicative of actual future values or results, which may be significantly more or less favorable than suggested by such estimates.
Estimates of values of companies do not purport to be appraisals or necessarily reflect the actual prices at which companies or
their securities actually may be sold. No company or transaction utilized in Boenning's analyses was identical to County or ChoiceOne
or the merger. Accordingly, an analysis of the results described below is not mathematical; rather, it involves complex considerations
and judgments concerning differences in financial and operating characteristics of the companies and other facts that could affect
the public trading value of the companies to which they are being compared. None of the analyses performed by Boenning was assigned
a greater significance by Boenning than any other, nor does the order of analyses described represent relative importance or weight
given to those analyses by Boenning. The analyses described below do not purport to be indicative of actual future results, or
to reflect the prices at which County's common stock or ChoiceOne's common stock may trade in the public markets, which may vary
depending upon various factors, including changes in interest rates, dividend rates, market conditions, economic conditions and
other factors that influence the price of securities.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In accordance with
customary investment banking practice, Boenning employed generally accepted valuation methods in reaching its opinion. The following
is a summary of the material financial analyses that Boenning used in providing its opinion on March 22, 2019. Some of the summaries
of financial analyses are presented in tabular format. In order to understand the financial analyses used by Boenning more fully,
you should read the tables together with the text of each summary. The tables alone do not constitute a complete description of
Boenning's financial analyses, including the methodologies and assumptions underlying the analyses, and if viewed in isolation
could create a misleading or incomplete view of the financial analyses performed by Boenning. The summary data set forth below
does not represent and should not be viewed by anyone as constituting conclusions reached by Boenning with respect to any of the
analyses performed by it in connection with its opinion. Rather, Boenning made its determination as to the fairness to the holders
of County's common stock of the exchange ratio, from a financial point of view, on the basis of its experience and professional
judgment after considering the results of all of the analyses performed. Accordingly, the data included in the summary tables and
the corresponding imputed ranges of value for County should be considered as a whole and in the context of the full narrative description
of all of the financial analyses set forth in the following pages, including the assumptions underlying these analyses. Considering
the data included in the summary table without considering the full narrative description of all of the financial analyses, including
the assumptions underlying these analyses, could create a misleading or incomplete view of the financial analyses performed by
Boenning.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In connection with
rendering its opinion and based upon the terms of the draft merger agreement reviewed by it, Boenning assumed the effective aggregate
indicated merger consideration implied by the exchange ratio to be $89.0 million and the per share merger consideration to be $50.96.
For the basis of its analysis, Boenning considered County's financials as of December 31, 2018. For the purposes of reflecting
trailing earnings multiples for County below, Boenning calculated a core earnings number, reversing the impact of realized gains
on securities. The transaction pricing multiples and ratios for the merger consideration relative to December 31, 2018 financials
(County's most recent publicly disclosed financial data as of the date of Boenning's opinion) are set forth in Table 1 below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0 12pt; text-align: justify; text-indent: 0.5in"><I>Comparison
of Selected Companies. </I>Boenning reviewed and, as reflected in Table 1 below, compared the multiples and ratios of the offer
price to County's book value, tangible book value, latest 12 months earnings per share, assets, tangible book premium to core
deposits, and deposits (such multiples referred to herein as the &quot;pricing </P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0pt 0 12pt; text-align: justify">multiples&quot;), with the median pricing multiples
for the current trading prices, after the application of an 11.7% assumed merger of equals equity control premium (referred to
as the &quot;adjusted trading price&quot;), of the common stock of a peer group of 15
selected public banks and thrifts with assets between $500 million and $900 million, tangible common equity / tangible assets
between 9.0% and 11.5% and latest 12 months core return on average tangible equity between 8.5% and 13.0%, excluding merger
targets. The 11.7% merger of equals equity control premium is the median one day stock price premium for all bank and thrift
mergers of equals (as defined by the description of the transaction by the companies at announcement) announced since
January&nbsp;1, 2000, based on data from S&amp;P Global Market Intelligence.<B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><U>Table 1</U></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 9pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: center; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; padding-left: 9pt; text-align: center; line-height: 115%; text-indent: -9pt"><B>Adjusted Trading Price</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 9pt; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: center; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-left: 9pt; text-align: center; line-height: 115%; text-indent: -9pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; width: 62%; padding-top: 0.7pt; padding-bottom: 0.7pt">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt"><B>&nbsp;</B></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-indent: -9pt"><B>Pricing Multiple</B></P></TD>
    <TD STYLE="vertical-align: top; width: 3%; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 14%; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt"><B>Offer Price</B></TD>
    <TD STYLE="vertical-align: top; width: 3%; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 18%; border-bottom: Black 1pt solid; padding-top: 0.7pt; padding-bottom: 0.7pt">
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-align: right; text-indent: -9pt"><B>Median</B></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-align: right; text-indent: -9pt"><B>Statistics
        for</B></P>
        <P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 9pt; text-align: right; text-indent: -9pt"><B>Peer Group
        (1)</B></P></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.7pt; line-height: 115%">Price/Book Value (%)</TD>
    <TD STYLE="vertical-align: top; padding-top: 0.7pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; padding-top: 0.7pt; text-align: right; line-height: 115%">147.5</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">140.3</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-top: 0.7pt; line-height: 115%">Price/Tangible Book Value (%)</TD>
    <TD STYLE="vertical-align: top; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">150.5</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.7pt; text-align: right; line-height: 115%">141.6</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0.7pt; line-height: 115%">Price/Latest 12 Months Earnings Per Share (x)</TD>
    <TD STYLE="vertical-align: top; padding-top: 0.7pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.7pt; text-align: right; line-height: 115%">13.5</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">14.2</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-top: 0.7pt; line-height: 115%">Premium over Tangible Book Value/Core Deposits (%)</TD>
    <TD STYLE="vertical-align: top; padding-top: 0.7pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.7pt; text-align: right; line-height: 115%">5.6</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">6.5</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-top: 0.7pt; line-height: 115%">Price/Assets (%)</TD>
    <TD STYLE="vertical-align: top; padding-top: 0.7pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.7pt; text-align: right; line-height: 115%">14.4</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">14.8</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-top: 0.7pt; line-height: 115%">Price/Deposits (%)</TD>
    <TD STYLE="vertical-align: top; padding-top: 0.7pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-top: 0.7pt; text-align: right; line-height: 115%">16.4</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-top: 0.7pt; text-align: right; line-height: 115%">17.5</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">(1) Peer metrics are based on prices
as of market close on March 20, 2019.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Bank Merger of
Equals Contribution Analysis.</I> Boenning compared the contribution made by each company, based on the most recently available
quarterly financial data as of the date of Boenning's opinion, to the pro forma entity with comparable bank merger of equal transactions
since January 1, 2013. Boenning's analysis showed that the median target of bank mergers of equals contributed less to the pro
forma company than County in terms of total assets, tangible equity and latest 12 months net income. Boenning's analysis also showed
that the median target owned a smaller share of the pro forma company, with a median of 46.1%, than County's 49.9% pro forma ownership
in this transaction.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><U>Table 2</U></B>&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Target Contribution (%)</B></TD>
    <TD STYLE="text-align: right; line-height: 115%"><B>Target Median</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>Combined</B></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center; line-height: 115%"><B>Pro Forma</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>Pro Forma </B></TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>Total </B></TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>Tangible </B></TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>LTM Net</B></TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>Contribution </B></TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%"><B>Cost Savings </B></TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; text-align: center; line-height: 115%"><B>Ownership</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><B>Assets ($000) </B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><B>Assets </B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><B>Equity </B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><B>Income </B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><B>(%) </B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><B>(%) </B></TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>(%)</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; width: 23%; line-height: 115%">Min</TD>
    <TD STYLE="white-space: nowrap; width: 13%; text-align: right; line-height: 115%">322,891</TD>
    <TD STYLE="white-space: nowrap; width: 7%; text-align: right; line-height: 115%">36 </TD>
    <TD STYLE="white-space: nowrap; width: 9%; text-align: right; line-height: 115%">36 </TD>
    <TD STYLE="white-space: nowrap; width: 9%; text-align: right; line-height: 115%">22 </TD>
    <TD STYLE="white-space: nowrap; width: 14%; text-align: right; line-height: 115%">36 </TD>
    <TD STYLE="white-space: nowrap; width: 12%; text-align: right; line-height: 115%">7.0 </TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; width: 5%; text-align: center; line-height: 115%">40.8</TD>
    <TD STYLE="white-space: nowrap; width: 1%; text-align: center; line-height: 115%">/</TD>
    <TD STYLE="white-space: nowrap; width: 6%; text-align: center; line-height: 115%">39.2</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; line-height: 115%">Median</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">2,574,086</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">47 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">47 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">43 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">46 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">13.5 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">53.9</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">/</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">46.1</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; line-height: 115%">Average</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">23,423,658</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">48 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">47 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">42 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">47 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">13.0 </TD>
    <TD STYLE="white-space: nowrap">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">53.0</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">/</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">47.0</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; line-height: 115%">Max</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">441,240,000</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">60 </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">61 </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">65 </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">60 </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">18.0 </TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; line-height: 115%">60.8</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; line-height: 115%">/</TD>
    <TD STYLE="white-space: nowrap; border-bottom: Black 1pt solid; text-align: center; line-height: 115%">59.2</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; line-height: 115%">ChoiceOne/County</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">1,351,644</TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">48 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">48 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">48 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">48 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">10.5 </TD>
    <TD STYLE="white-space: nowrap; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">50.1</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">/</TD>
    <TD STYLE="white-space: nowrap; text-align: center; line-height: 115%">49.9</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Analysis of Bank
Merger Transactions. </I>Boenning analyzed certain information relating to recent transactions in the banking industry, consisting
of 16 bank and thrift transactions announced since January 1, 2015 with an absolute difference in assets between buyer and target
of less than 20% and disclosed pricing. Boenning then reviewed and compared the pricing multiples of the offer price and the median
pricing multiples of the selected transaction values.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><U>Table 3</U></B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 80%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 61%; border-bottom: Black 1pt solid; padding-left: 9pt; text-indent: -9pt; line-height: 115%"><B>Pricing Multiple</B></TD>
    <TD STYLE="width: 1%; padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; border-bottom: Black 1pt solid; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt"><B>Offer Price</B></TD>
    <TD STYLE="width: 1%; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="width: 25%; border-bottom: Black 1pt solid; padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt"><B>Median for Selected Transactions</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">Price/Book Value (%)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">147.5</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">131.1</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">Price/Tangible Book Value (%)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">150.5</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">150.6</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">TBV Multiples Buyer / Deal (%)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">89.0</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">109.0</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">Price/Latest 12 Months Earnings Per Share (x)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">13.5</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">21.7</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">Premium over Tangible Book Value/Core Deposits (%)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">5.6</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">6.8</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">Price/Assets (%)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">14.4</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">13.3</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">Price/Deposits (%)</TD>
    <TD STYLE="padding-left: 9pt; text-indent: -9pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">16.4</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">&nbsp;</TD>
    <TD STYLE="padding-left: 9pt; text-align: right; line-height: 115%; text-indent: -9pt">17.5</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Present Value
Analysis. </I>Applying present value analysis to County's theoretical future earnings, dividends and tangible book value, Boenning
compared the offer price for one share of County's common stock to the present value of one share of County's common stock on
a stand-alone basis. The analysis was based upon management's projected earnings growth, a range of assumed price / earnings ratios,
a range of assumed price / tangible book value ratios and a 12.0% discount rate, which was determined using the Capital Asset
Pricing Model and the Build-Up Method, both of which take into account certain factors such as the current risk free rate, the
beta of bank stocks compared to the broader market and risk premiums for small, illiquid stocks and for commercial bank stocks,
as well as comparable company returns on tangible common equity. The average of the three methods was approximately 12.0%. The
valuation was completed with a sensitivity analysis on the discount rate ranging from 10.0% to 14.0%. Boenning derived the terminal
price / earnings multiple of 12.8x from the price / 2019 estimated earnings multiple implied by the transaction and the terminal
price / tangible book value multiple of 134.5% from the trading multiple of County as of March 20, 2019. Sensitivity analyses
for terminal price / earnings and price / tangible book ranged from 11.8x to 13.8x and 124.5% to 144.5%, respectively. The present
value of County's common stock on a stand-alone basis ranged from $36.74 to $50.38 per share based on price / earnings multiples,
and $42.04 to $58.21 per share based on price / tangible book value multiples, compared to the offer price of $50.96 per share.
This analysis does not purport to be indicative of actual future results and does not purport to reflect the prices at which shares
of County's common stock may or would trade in the public markets. A present value analysis was included because it is a widely
used valuation methodology, but the results of such methodology are highly dependent upon the numerous assumptions that must be
made, including earnings growth rates, dividend payout rates and discount rates.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Pro Forma Merger
Analysis. </I>Boenning analyzed certain potential pro forma effects of the merger, assuming the following: (i) the merger is completed
in the fourth quarter of 2019; (ii) each County common share will be eligible to receive consideration of 2.0632 ChoiceOne common
shares; (iii) estimated pre-tax cost savings of approximately 10.5% of the combined company's non-interest expense on an annual
basis, recognized 75% in year 1 and 100% in year 2 of combined operations; (iv) estimated one-time transaction-related costs of
approximately $3.8 million pre-tax are expensed prior to closing and $1.9 million pre-tax are expensed during the first year of
combined operations; (v) County's performance was calculated in accordance with earnings forecasts developed in conjunction with
County management; (vi) ChoiceOne's performance was calculated in accordance with earnings forecasts developed in conjunction with
ChoiceOne management; and (vii) certain other assumptions pertaining to costs and expenses associated with the transaction, intangible
amortization, opportunity cost of cash and other items. The analyses indicated that the merger (excluding transaction expenses)
would be accretive to the combined company's projected earnings per share in the full year 2020, as well as County's per share
equivalent earnings for 2020 and beyond and accretive to County's per share equivalent tangible book value for 2020. Additionally,
the combined company's regulatory capital ratios would exceed regulatory guidelines for &quot;well capitalized.&quot; The actual
results achieved by the combined company may vary from projected results and the variations may be material.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As described above,
Boenning's opinion was just one of the many factors taken into consideration by the County board of directors in making its determination
to approve the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Boenning, as part
of its investment banking business, regularly is engaged in the valuation of assets, securities and companies in connection with
various types of asset and security transactions, including mergers, acquisitions, private placements, public offerings and valuations
for various other purposes, and in the determination of adequate consideration in such transactions. In the ordinary course of
Boenning's business as a broker-dealer, it may, from time to time, purchase securities from, and sell securities to, County, ChoiceOne,
and/or their respective affiliates. In the ordinary course of business, Boenning may also actively trade the securities of County
and ChoiceOne for its own account and/or for the accounts of customers and accordingly may at any time hold a long or short position
in such securities.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Boenning is acting
as County's financial advisor in connection with the merger and will receive a customary fee for its services, a significant portion
of which is contingent upon consummation of the merger. Pursuant to the engagement agreement between County and Boenning, County
agreed to pay Boenning a cash fee equal to 1.25% of the aggregate merger consideration upon consummation of the merger. Boenning
also received a cash fee of $200,000 for rendering the fairness opinion, which fee will be applied against and reduce the fee payable
to Boenning upon consummation of the merger. Boenning's fee for rendering the fairness opinion was not contingent upon any conclusion
that Boenning reached or upon completion of the merger. The Company has also agreed to indemnify Boenning against certain liabilities
that may arise out of Boenning's engagement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Prior Engagements
by County and ChoiceOne. </I>Except for the arrangements between Boenning and County described in the preceding paragraph, Boenning
has not had any material relationship with either County or ChoiceOne during the past two years in which compensation was received
or was intended to be received. Boenning may provide services to ChoiceOne in the future (and/or to County if the merger is not
consummated), although as of the date of Boenning's opinion, there was no agreement to do so nor any mutual understanding that
such services are contemplated.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Boenning's opinion
was approved by Boenning's fairness opinion committee. Boenning did not express any opinion as to the fairness of the amount or
nature of the compensation to be received in the merger by any of the officers, directors, or employees of any party to the merger
agreement, or any class of such persons, relative to the compensation to be received by the holders of County's common stock in
the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_057"></A>Interests of Certain ChoiceOne Directors
and Executive Officers in the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In considering the
recommendation of the ChoiceOne board of directors that ChoiceOne shareholders vote to approve the proposals submitted for the
ChoiceOne shareholder vote set forth in this joint proxy statement and prospectus, ChoiceOne shareholders should be aware that
some of ChoiceOne's directors and executive officers have interests in the merger that are different from, or in addition to, those
of ChoiceOne's shareholders generally. The ChoiceOne board of directors was aware of and considered these interests, among other
matters, in evaluating the merger agreement and the merger and in recommending to ChoiceOne shareholders that they approve the
proposals submitted for the ChoiceOne shareholder vote set forth in this joint proxy statement and prospectus. These interests
are described in further detail below.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Director Appointments</I></B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
provides that upon completion of the merger, the board of directors of ChoiceOne will consist of fourteen directors, which will
include seven directors designated by ChoiceOne prior to the effective time of the merger. ChoiceOne has not designated its seven
directors as of the date of this joint proxy statement and prospectus. It is expected that the designees will be individuals who
currently serve on ChoiceOne's board of directors.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Change in Control Agreement and
Employment Agreement</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne has an
existing change in control agreement with Kelly J. Potes, under which Mr. Potes would be entitled to certain payments in connection
with a change in control and a qualifying termination (including termination of Mr. Potes without cause or termination by Mr. Potes
for good reason) within two years after the change in control. In connection with the closing of the merger, it is expected that
Kelly J. Potes will enter into an employment agreement with ChoiceOne, which will become effective as of the effective time of
the merger and will</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">supersede Mr. Potes' existing change in control agreement with ChoiceOne. It is expected that such employment
agreement will contain customary provisions, including those related to salary, severance payments upon the occurrence of certain
events, confidentiality and noncompetition and nonsolicitation, and will be substantially similar to the employment agreement entered
into between ChoiceOne and Mr. Burke, described below. Mr. Potes is not expected to receive any payments in connection with the
merger under his existing change in control agreement or his expected employment agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Outstanding ChoiceOne Equity Awards</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger will
constitute a &quot;change in control&quot; of ChoiceOne for the purposes of ChoiceOne's stock incentive plan. All unvested stock
options and other stock-based awards will become fully vested as of the effective time of the merger, except for stock-based awards
granted in connection with ChoiceOne's 2019 annual compensation cycle.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Merger-Related Compensation for ChoiceOne's Named Executive
Officers</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
sets forth the information required by Item&nbsp;402(t) of Regulation S-K promulgated by the SEC regarding certain compensation
that ChoiceOne's named executive officers may receive that is based on or that otherwise relates to the merger. The amounts are
calculated assuming that the effective date of the merger occurred on May 31, 2019. The amounts indicated below are estimates
based on multiple assumptions that may or may not actually occur or be accurate on the relevant date, including assumptions described
below, and do not reflect certain compensation actions that may occur before the completion of the merger. The merger-related
compensation payable to ChoiceOne's named executive officers is the subject of a non-binding advisory vote of ChoiceOne's shareholders,
as described under &quot;The ChoiceOne Proposals <I>&#8212; </I>ChoiceOne Proposal 4 &#8211; ChoiceOne Merger-Related Compensation
Proposal&quot; beginning on page 30.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom; text-align: left">
    <TD STYLE="width: 23%; border-bottom: Black 1pt solid; line-height: 115%"><BR>
<BR>
<FONT STYLE="line-height: 100%"><B>Name</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<FONT STYLE="line-height: 100%"><B>Cash ($)</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="line-height: 100%"><B>Equity</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>($)<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B>Pension/</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>NQDC</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>($)</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B>Perquisites/</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>Benefits</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>($)</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B>Tax</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>Reimburse-</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>ments($)</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="line-height: 100%"><B>Other</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>($)</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="line-height: 100%"><B>Total</B></FONT><BR>
<FONT STYLE="line-height: 100%"><B>($)</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom">Kelly J. Potes<SUP>(2)</SUP></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">23,228</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">23,228</TD></TR>
<TR>
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="line-height: 93%">Bradley J. Henion</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">17,402</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">17,402</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="line-height: 93%">Adom J. Greenland</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">17,402</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">&#8212;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">17,402</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">____________________________</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; line-height: 115%">(1)</TD>
    <TD STYLE="width: 95%; text-align: justify">Under ChoiceOne's Stock Incentive Plan of 2012, the merger will constitute a change in control and all unvested stock options and other stock-based awards will automatically become fully vested, except for awards granted in connection with ChoiceOne's 2019 annual compensation cycle.&nbsp;&nbsp;Amounts in this column represent the aggregate dollar value of the acceleration of in-the-money stock options and restricted stock units, assuming a value of $25.56 per share of ChoiceOne common stock, which was the average closing market price of ChoiceOne common stock over the first five business days following the first public announcement of the merger.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%">(2)</TD>
    <TD STYLE="text-align: justify">In connection with the closing of the merger, it is expected that Kelly J. Potes will enter into an employment agreement with ChoiceOne, which will become effective as of the effective time of the merger and will supersede Mr. Potes' existing change in control agreement with ChoiceOne. Mr. Potes is not expected to receive any payments in connection with the merger under his existing change in control agreement or his expected employment agreement.&nbsp;&nbsp;&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><A NAME="a_058"></A><B>Interests of Certain County Directors and Executive Officers
in the Merger</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In considering the
recommendation of the County board of directors that County shareholders vote to approve the proposals submitted for the County
shareholder vote set forth in this joint proxy statement and prospectus, County shareholders should be aware that County's directors
and executive officers have interests in the merger that are different from, or in addition to, those of County's shareholders
generally. The County board of directors was aware of and considered these interests, among other matters, in evaluating the merger
agreement and the merger and in recommending to County shareholders that they approve the proposals submitted for the County</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">shareholder
vote set forth in this joint proxy statement and prospectus. These interests are described in further detail below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">For purposes of
all County agreements described below, the completion of the merger contemplated by the merger agreement will constitute a change
in control or term of similar meaning. Certain of the agreements described below require the executive officer to be terminated
without cause, or require the executive officer to terminate his employment for good reason before receiving a change in control
benefit. We refer to either of these events as a &quot;qualifying termination.&quot;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Director Appointments</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
provides that upon completion of the merger, the board of directors of ChoiceOne will consist of fourteen directors, which will
include seven directors designated by County prior to the effective time of the merger. County has not designated its seven directors
as of the date of this joint proxy statement and prospectus. It is expected that the designees will be individuals who currently
serve on County's board of directors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Indemnification and Insurance </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in">ChoiceOne has agreed
to honor and assume all rights of County's and its subsidiaries' current and former directors, officers, employees, and agents
to indemnification and advancement of expenses under existing indemnity agreements with County or its subsidiaries or in County's
or its subsidiaries' Articles of Incorporation or Bylaws, and to maintain, for a period of at least six years from the effective
time of the merger, exculpation, indemnification, and advancement of expenses provisions no less favorable than those provisions
set forth in the Articles of Incorporation and Bylaws of County. County is required to purchase a six-year prepaid tail policy,
at a cost not exceeding 300% of the last annual premium of each policy, on terms and conditions providing substantially equivalent
benefits as the current policies of bankers' blanket bond, directors' and officers' (D&amp;O) liability insurance and fiduciary
liability insurance.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Existing County Employment Agreements</I></B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County has existing
employment agreements with Bruce J. Cady and Michael J. Burke. Each of these employment agreements provides for certain cash payments
upon a change in control of County and termination of employment by Mr. Cady or Mr. Burke, as applicable, following such change
in control. In connection with the merger agreement, Mr. Burke entered into an employment agreement with ChoiceOne, described below,
which will become effective as of the effective time of the merger and will supersede Mr. Burke's existing employment agreement
with County. Also in connection with the merger agreement, Mr. Cady entered into a transition agreement, described below, which
will become effective as of the effective time of the merger and will supersede Mr. Cady's existing employment agreement with County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County has an existing change in control agreement with Joseph H. Black, which <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">provides
for certain cash payments totaling approximately $172,584 upon a change in control of County and Mr. Black&rsquo;s termination
of employment following such change in control (or within two years prior to such change in control), subject to certain limitations,
and which restricts reductions to Mr. Black&rsquo;s compensation following a change in control</FONT>.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Employment with ChoiceOne</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Burke entered
into an employment agreement with ChoiceOne, which will become effective as of the effective time of the merger and will supersede
Mr. Burke's existing employment agreement with County. Mr. Burke's employment agreement provides that Mr. Burke will serve as President
of ChoiceOne and will receive an annual salary of $310,000 for 2019 and 2020, after which his salary will be subject to annual
review and adjustment in accordance with ChoiceOne's normal procedures. Mr. Burke will be eligible to participate in ChoiceOne's
bonus programs and equity-based compensation programs.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Burke's employment
agreement with ChoiceOne also provides that Mr. Burke will be entitled to a transaction bonus payment of $250,000, payable upon
completion of the merger, which payment equals half of the</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify">amount to which Mr. Burke would have been entitled under his existing
employment agreement with County if he had terminated his employment following completion of the merger. Under the employment agreement
with ChoiceOne, if Mr. Burke terminates his employment without good reason before December 31, 2020, Mr. Burke will be entitled
to the remainder of the amount to which he would have been entitled under his existing employment agreement with County.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Under Mr. Burke's
employment agreement with ChoiceOne, in the event of termination by ChoiceOne without cause or by Mr. Burke for good reason (each
as defined in the employment agreement with ChoiceOne), Mr. Burke will be entitled to continued salary for two years and monthly
health care continuation payments for twelve months or until Mr. Burke has commenced new employment. In the event of a change of
control and a qualifying termination within six months before or three years after the change in control (excluding the merger),
Mr. Burke will be entitled to a lump-sum cash payment equal to three times Mr. Burke's then-current base salary and monthly health
care continuation payments for twelve months or until Mr. Burke has commenced new employment. If any payment to be received by
Mr. Burke following a change in control is determined to constitute a &quot;parachute payment&quot; as such term is defined in
Section&nbsp;280G(b)(2)&nbsp;of the Code, then ChoiceOne will act in good faith to mitigate the impact of Section 280G of the Code
such that no &quot;parachute payment&quot; will result. To the extent this effort is unsuccessful, ChoiceOne will reduce the amount
of such payments to ensure that the total payments do not exceed 2.99 times Mr. Burke's &quot;base amount&quot; as defined in Section
280G(b)(3) of the Code.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Burke's employment
agreement contains provisions related to non-solicitation and non-competition that generally preclude Mr. Burke, during his time
of employment and for a period of 24 months thereafter, from engaging in activities competitive with ChoiceOne in any county in
which ChoiceOne or its affiliates has a branch office or loan production office or in any continuous counties, and from diverting
from ChoiceOne any trade or business with any customer or supplier with whom Mr. Burke had contact during his employment, subject
to certain conditions and exceptions. Mr. Burke's employment agreement also requires Mr. Burke to maintain the confidentiality
of non-public information with respect to ChoiceOne and its affiliates.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Cady entered into
a transition agreement with ChoiceOne, which will become effective as of the effective time of the merger and will supersede Mr.
Cady's existing employment agreement with County. Mr. Cady's transition agreement provides for employment of Mr. Cady by ChoiceOne
from the effective time of the merger until December 31, 2019, with an annual salary of $304,321 prorated for such term of employment.
Mr. Cady's transition agreement also provides that Mr. Cady will be entitled to the severance benefits to which he would have been
entitled under his existing employment agreement with County, including a payment of $608,642, plus an amount equal to 12 months
of health care continuation costs, and the net present value of Mr. Cady's benefit under County's Supplemental Executive Retirement
Plan, payable in a lump sum following termination of Mr. Cady's employment.</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_059"></A>Board of Directors and Management
Following the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Immediately following
the effective time of the merger, the board of directors of ChoiceOne will consist of fourteen directors, which will include seven
directors designated by ChoiceOne and seven directors designated by County. It is expected that all of the directors of the surviving
company immediately following the effective time of the merger will be individuals who currently serve on the ChoiceOne board of
directors or the County board of directors. From the effective time of the merger until the completion of the third shareholder
meeting after the effective time, the board of directors of ChoiceOne will nominate for election to the board of directors the
ChoiceOne designees and the County designees, or the replacement designees selected by the remaining ChoiceOne designees or County
designees, as applicable.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Paul
L. Johnson, the Chairman of the ChoiceOne board of directors, will continue to serve as the Chairman of the board of
directors of the combined company after the merger. Bruce J. Cady, the Chairman and Chief Executive Officer of County, will
serve as the Vice Chairman of the board of directors of the combined company after the merger. Kelly J. Potes, the President
and Chief Executive Officer of ChoiceOne, will continue to serve as the Chief Executive Officer of the combined company after
the merger. Michael J. Burke, the President and Chief Operating Officer of County, will serve as President of the
combined company after the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_060"></A>Regulatory Clearances Required for the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and
County have agreed to use their respective commercially reasonable efforts (as defined in the merger agreement) to obtain applicable
regulatory approvals, <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">and any other
approval required under any applicable federal or state law to complete the merger. The merger must be approved by the Federal
Reserve Board, which will review, among other things, the effect of the merger on competition, the companies' capital position,
safety and soundness, legal and regulatory compliance matters and Community Reinvestment Act matters. The required regulatory
approvals were obtained on July 2, 2019. If the merger is not completed by October 2, 2019, ChoiceOne and County will be required
to seek an extension of the approval.&nbsp; While ChoiceOne and County are not aware of any reasons why such extension would not
be granted, we cannot assure you that any extension of the approval would be obtained or that the granting of any such extension
would not involve the imposition of additional conditions on completion of the merger</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
cannot assure you that other government agencies or private parties will not initiate actions to challenge the merger before or
after it is completed. Any such challenge to the merger could result in a court order enjoining the merger or in restrictions or
conditions that would have a material adverse effect on the combined company following the merger if the merger is completed. Such
restrictions and conditions could include requiring the divestiture or spin-off of assets or businesses. No additional shareholder
approval is expected to be required or sought for any decision by ChoiceOne or County after the ChoiceOne special meeting and the
County special meeting to agree to any terms and conditions necessary to resolve any regulatory objections to the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_061"></A>Exchange of Shares in the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne intends
to appoint Continental Stock Transfer &amp; Trust Company to serve as exchange agent to handle the exchange of shares of County
common stock for shares of ChoiceOne common stock. As of the effective time of the merger, each share of County common stock will
be converted into the right to receive 2.0632 shares of ChoiceOne common stock and cash in lieu of any fractional share of ChoiceOne
common stock, without the need for any action by the holders of County common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As soon as reasonably
practicable after the effective time of the merger, ChoiceOne will cause the exchange agent to mail to each holder of record of
shares of County common stock a letter of transmittal specifying, among other things, that delivery will be effected, and risk
of loss and title to any certificates representing County common stock or book-entry shares of County common stock shall pass,
only upon proper delivery of such certificates or book-entry shares to the exchange agent. The letter of transmittal will also
include instructions explaining the procedure for surrendering County stock certificates or book-entry shares in exchange for the
merger consideration. County shareholders should&nbsp;not&nbsp;return County stock certificates with the accompanying proxy.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">After the effective
time of the merger, shares of County common stock will no longer be outstanding, will be automatically canceled and will cease
to exist, and each certificate or book-entry share that previously represented shares of County common stock will represent only
the right to receive the merger consideration as described above. With respect to merger consideration deliverable upon the surrender
of County stock certificates or book-entry shares, until holders of such County stock certificates or book-entry shares have surrendered
such stock certificates or book-entry shares to the exchange agent for exchange, those holders will not receive dividends or distributions
with respect to such shares of ChoiceOne common stock issuable as merger consideration with a record date after the effective time
of the merger. No interest will be paid on any cash issuable as merger consideration.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County shareholders
will not receive any fractional shares of ChoiceOne common stock pursuant to the merger. In lieu of fractional shares, ChoiceOne
will pay to each former County shareholder who otherwise would be entitled to receive a fractional share of ChoiceOne common stock
an amount in cash, without interest, equal to the product of (i) the daily volume weighted average price per share of ChoiceOne
common stock on the OTC Pink Market (or such other market or exchange on which ChoiceOne common stock then principally trades)
as reported by Bloomberg L.P. for the five most recent trading days preceding the effective time of the merger on which shares
of ChoiceOne common stock were actually traded, multiplied by (ii) the fraction of a share (rounded to the nearest thousandth)
of ChoiceOne common stock which such holder otherwise would be entitled to receive.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne shareholders
need not take any action with respect to their shares of ChoiceOne common stock, and will continue to hold their shares of ChoiceOne
common stock after the effective time of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_062"></A>Voting Agreements</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each of ChoiceOne's
directors, in his or her capacity as a shareholder of ChoiceOne, entered into a Voting Agreement with County pursuant to which
such ChoiceOne director has agreed, subject to certain exceptions, to vote such director's shares, and to use reasonable efforts
to cause all shares owned by such director jointly with any other person or by such director's spouse or over which such director
has voting influence or control to be voted, in favor of the merger agreement. <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">At
the close of business on the record date for the ChoiceOne special meeting, ChoiceOne directors were entitled to vote 208,352
shares of ChoiceOne common stock, or approximately 5.7% of ChoiceOne common stock outstanding on that date</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each of County's
directors, in his or her capacity as a shareholder of County, entered into a Voting Agreement with ChoiceOne pursuant to which
such County director has agreed, subject to certain exceptions, to vote such director's shares, and to use reasonable efforts
to cause all shares owned by such director jointly with any other person or by such director's spouse or over which such director
has voting influence or control to be voted, in favor of the merger agreement. <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">At
the close of business on the record date for the County special meeting, County directors were entitled to vote 164,788 shares
of County common stock, or approximately 9.4% of County common stock outstanding on that date</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_063"></A>Dissenters' Rights</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Under Michigan law,
the holders of County common stock are entitled to dissenters' rights in connection with the merger. Holders of ChoiceOne common
stock are not entitled to dissenters' rights under Michigan law, the governing documents of ChoiceOne or otherwise.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_064"></A>THE MERGER AGREEMENT</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>The following
describes the material provisions of the merger agreement, which is included as Annex A to this joint proxy statement and prospectus
and incorporated by reference herein. The summary of the material provisions of the merger agreement below and elsewhere in this
joint proxy statement and prospectus is qualified in its entirety by reference to the merger agreement. This summary does not purport
to be complete and may not contain all of the information about the merger agreement that is important to you. ChoiceOne and County
encourage you to read the merger agreement carefully in its entirety before making any decisions regarding the merger as it is
the legal document governing the merger and related transactions.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>The merger
agreement and this summary of its terms have been included to provide you with information regarding the terms of the merger agreement
and are not intended to provide any factual information about ChoiceOne or County. Factual disclosures about ChoiceOne or County
contained in this joint proxy statement and prospectus or ChoiceOne's public reports filed with the SEC may supplement, update
or modify the factual disclosures about ChoiceOne or County contained in the merger agreement and described in this summary. The
representations, warranties and covenants made in the merger agreement by ChoiceOne and County are qualified and subject to important
limitations agreed to by ChoiceOne and County in connection with negotiating the terms of the merger agreement. In particular,
in your review of the representations and warranties contained in the merger agreement and described in this summary, it is important
to bear in mind that the representations and warranties were made solely for the benefit of the parties to the merger agreement,
and were negotiated with the principal purpose of allocating risk between the parties to the merger agreement rather than establishing
matters as facts. The representations and warranties may also be subject to a contractual standard of materiality that may be
different from that generally relevant to shareholders or applicable to reports and documents filed with the SEC, and in some
cases are qualified by confidential disclosures that were made by each party to the other, which disclosures are not reflected
in the merger agreement or otherwise publicly disclosed. The representations and warranties in the merger agreement will not survive
the completion of the merger. Moreover, information concerning the subject matter of the representations and warranties may have
changed since the date of the merger agreement, and subsequent developments or new information qualifying a representation or
warranty may have been included or incorporated by reference into this joint proxy statement and prospectus. For the foregoing
reasons, the representations, warranties and covenants or any descriptions of those provisions should not be read alone, but instead
should be read together with the information provided elsewhere in this joint proxy statement and prospectus and in the documents
incorporated by reference into this joint proxy statement and prospectus. See &quot;Where You Can Find More Information&quot;
beginning on page 130.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_065"></A>General; The Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At the effective
time of the merger, upon the terms and subject to the satisfaction or waiver of the conditions of the merger agreement and in accordance
with the Michigan Business Corporation Act, County will be merged with and into ChoiceOne, the separate corporate existence of
County will cease, and ChoiceOne will be the surviving corporation of the merger. As of the effective time of the merger, the articles
of incorporation of the surviving corporation will be the articles of incorporation of ChoiceOne as in effect immediately prior
to the effective time, and the bylaws of ChoiceOne as in effect immediately prior to the effective time will be the bylaws of the
surviving corporation. Effective as of the effective time of the merger, ChoiceOne will cause the size of the board of directors
of the surviving corporation to be 14 directors, which will include seven directors designated by ChoiceOne and seven directors
designated by County, with the number of ChoiceOne designees and County designees in each of the three classes of ChoiceOne's board
of directors to be as equal as possible.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_066"></A>When the Merger Becomes Effective</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
will file a certificate of merger (the &quot;Certificate of Merger&quot;) with the Michigan Department of Licensing and Regulatory
Affairs after the last of the conditions to the closing of the merger have been satisfied or waived (other than those conditions
that by their nature are to be satisfied or waived at the closing of the merger), or at such other date and time as the parties
may agree. The merger will be effective when the Certificate of Merger is accepted for filing by the Michigan Department of Licensing
and Regulatory Affairs or at such later time as is agreed to by the parties and specified in the Certificate of Merger. If requested
by County or</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">ChoiceOne, the effective time of the merger will occur on either the last day of the month in which, or the first
day of the month after which, the closing of the merger occurs.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and
County currently expect to complete the transaction in the second half of 2019, subject to receipt of required shareholder approvals
and the satisfaction or waiver of the other customary closing conditions to the merger, described below.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_067"></A>Merger Consideration</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
provides that, at the effective time of the merger, each share of County common stock issued and outstanding immediately prior
to the effective time of the merger will be converted into the right to receive 2.0632 (referred to as the &quot;exchange ratio&quot;)
fully paid and nonassessable shares of ChoiceOne common stock (the &quot;merger consideration&quot;). Upon this conversion, such
shares of County common stock will no longer be outstanding and all rights with respect to such shares will cease to exist, except
for the right to receive the merger consideration and cash in lieu of fractional shares. Shares of County common stock owned, directly
or indirectly, by County or ChoiceOne immediately before the effective time of the merger (other than any of such shares that are
held (i) as a result of debts previously contracted, or (ii) in trust accounts or otherwise held in a fiduciary or agency capacity
and beneficially owned by third parties) will be cancelled and cease to exist with no consideration paid.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Pursuant to the
merger, ChoiceOne will not issue any certificates or scrip representing fractional shares of ChoiceOne common stock in exchange
for shares of County common stock, or pay any dividends or distributions with respect to such fractional share interests, and such
fractional share interests will not entitle the owner to vote or to have any rights as a holder of shares of ChoiceOne common stock.
Instead, a shareholder of County who otherwise would have been entitled to receive a fraction of a share of ChoiceOne common stock
in connection with the merger will receive cash (without interest) in an amount equal to the product of (i) such fraction of a
share of ChoiceOne common stock, rounded to the nearest thousandth, multiplied by (ii) the daily volume weighted average price
per share of ChoiceOne common stock on the OTC Pink Market as reported by Bloomberg L.P. for the five most recent trading days,
ending on and including the business day immediately preceding the date on which the effective time of the merger occurs, on which
shares of ChoiceOne common stock were actually traded.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">After the effective
time of the merger, there will be no further transfers on the stock transfer books of County of shares of County common stock that
were outstanding immediately prior to the effective time of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_068"></A>Dividends and Distributions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No dividends or
other distributions with respect to ChoiceOne common stock with a record date on or after the effective time of the merger will
be paid to the holder of any unsurrendered certificate or book-entry share that represented County common stock immediately prior
to the effective time of the merger until the holder of such certificate or book-entry surrenders such certificate or book-entry
share in accordance with the instructions received from the exchange agent. Following such surrender, there will be paid, without
interest, with respect to whole shares of ChoiceOne common stock into which shares of County common stock represented by the certificate
or book-entry share have been converted: (i) at the time of such surrender, the amount of dividends or other distributions with
a record date and a payment date on or after the effective time of the merger and on or prior to the date of such surrender and
(ii) at the appropriate payment date, the amount of any dividends or other distributions with a record date on or after the effective
time of the merger but prior to such surrender and a payment date subsequent to such surrender payable with respect to such whole
shares of ChoiceOne common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_069"></A>Procedure for Receiving Merger Consideration</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Prior to the effective
time of the merger, ChoiceOne will deposit with the exchange agent (i) shares of ChoiceOne common stock, evidenced in certificate
or book-entry form, in the aggregate amount equal to the number of shares of ChoiceOne common stock to which holders of County
common stock are entitled based on the exchange ratio, and (ii) cash in an amount sufficient to make payments in lieu of any fractional
shares and payments of any dividends or other distributions payable pursuant to the merger agreement. The cash and shares deposited
pursuant to the foregoing are referred to as the &quot;exchange fund.&quot;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As soon as reasonably
practicable after the effective time of the merger, ChoiceOne will cause the exchange agent to mail to each holder of record of
shares of County common stock (other than the excluded shares) immediately prior to the merger, (i) a letter of transmittal and
(ii) instructions for use in effecting the surrender of certificates or book-entry shares of County common stock in exchange for
the merger consideration, cash in lieu of fractional shares and any dividends or other distributions payable pursuant to the merger
agreement. Each holder of County common stock will be entitled to receive the appropriate merger consideration, cash in lieu of
any fractional shares and any dividends or distributions payable pursuant to the merger agreement upon surrendering to the exchange
agent such shareholder's certificates or book-entry shares, together with a properly executed letter of transmittal and any other
documents required by the exchange agent. The merger consideration and any other consideration paid under the merger agreement
may be reduced by any amounts required to be deducted and withheld pursuant to any applicable tax law. County shareholders should
not return their certificates representing shares of County common stock to the exchange agent without a letter of transmittal,
and should not return their certificates representing County common stock to County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If any shares of
ChoiceOne common stock are to be issued as merger consideration to a person other than the person in whose name the certificates
or book-entry shares representing shares of County common stock are registered, it will be a condition to such issuance that such
surrendered County certificate or book-entry share is properly endorsed or otherwise in proper form for transfer, and that the
person requesting payment will have paid to the exchange agent in advance any transfer or other similar taxes required by reason
of the issuance of ChoiceOne shares in any name other than that of the registered holder of the surrendered County shares, or required
for any other reason, or establish, to the satisfaction of the exchange agent, that such taxes have been paid or are not applicable.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">No interest will
be paid or will accrue on the merger consideration or any cash in lieu of any fractional shares payable in respect of any shares
of County common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_070"></A>Lost, Stolen or Destroyed Certificates</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If any certificate
representing shares of County common stock has been lost, stolen or destroyed, ChoiceOne or the exchange agent will deliver the
applicable merger consideration, any cash in lieu of any fractional shares payable and any dividends or other distributions payable
pursuant to the merger agreement with respect to the shares formerly represented by such certificate if the shareholder asserting
the claim of a lost, stolen or destroyed certificate has delivered an affidavit, in form and substance reasonably satisfactory
to ChoiceOne or the exchange agent, of that fact to ChoiceOne or the exchange agent. ChoiceOne or the exchange agent may also require
such shareholder to post a bond in a reasonable and customary amount as indemnity against any claim that may be made against ChoiceOne
or the exchange agent with respect to such lost, stolen or destroyed County certificate.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_071"></A>Representations and Warranties</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
contains a number of representations and warranties made by each of County and ChoiceOne that relate to, among other things:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">corporate existence, organization, qualification and corporate power;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">adoption of the merger agreement and approval of the merger and the other transactions contemplated
by the merger agreement by the relevant board of directors and the receipt by the relevant board of directors of a fairness opinion
from its financial advisors;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">any conflicts created by the transactions contemplated by the merger agreement, including the merger;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">subsidiaries;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">capital structure and capitalization;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">financial statements and the absence of undisclosed liabilities;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the absence of certain changes or events;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">legal proceedings;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">regulatory filings and approvals;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the absence of certain indemnification claims;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">conduct of business in compliance with applicable laws;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">agreements with bank regulators;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">tax matters;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">owned and leased real and personal property;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">intellectual property;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">possession and status of material permits and other rights and approvals from appropriate governmental
entities necessary for the conduct of business as presently conducted;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">material contracts;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">labor and employment matters;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">employee benefits;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">environmental matters;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">performance of duties as a fiduciary;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">certain related person transactions and relationships;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">changes in certain business relationships;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">insurance;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">maintenance of books and records;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">data security and customer privacy;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">loan-related matters, including loan guarantees, loans and investments, allowances for loan and
lease losses, and loan origination and servicing;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">documents filed with the SEC and other securities laws matters;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">joint ventures and strategic alliances;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">policies and procedures; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the absence of a shareholder rights or other similar plan.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 1pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Many of the representations
and warranties in the merger agreement are qualified by a &quot;materiality&quot; or &quot;material adverse effect&quot; standard
(that is, they will not be deemed to be untrue or incorrect unless their failure to be true or correct, individually or in the
aggregate, as the case may be, would be material or have a material adverse effect, respectively). For purposes of the merger agreement,
a &quot;material adverse effect&quot; with respect to a party is any fact, event, change, condition, development, circumstance,
or effect that (i) is, individually or in the aggregate, materially adverse to the business, properties, results of operations,
financial or other condition, assets or liabilities of such party and its subsidiaries taken as a whole, or (ii) prohibits or materially
impairs the ability of such party to consummate the transactions contemplated by the merger agreement on a timely basis, except
that, in the case of clause (i), a &quot;material adverse effect&quot; will not include any event, occurrence, effect, circumstance,
development, fact, or change arising out of, relating to or resulting from:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(i)</TD><TD STYLE="text-align: justify">changes in economic conditions, or changes in global, national, or regional political or market
conditions (including changes in prevailing interest or exchange rates), in either case affecting the banking and financial services
industry generally or the securities markets generally;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(ii)</TD><TD STYLE="text-align: justify">any outbreak or escalation of hostilities, war (whether or not declared) or military action or
any act of terrorism, the occurrence of any natural disaster, or occurrence of any man-made disaster of wide-spread consequences;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(iii)</TD><TD STYLE="text-align: justify">general conditions in or changes generally affecting the industry or geographic regions in which
the affected party or its subsidiaries operate;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(iv)</TD><TD STYLE="text-align: justify">changes in laws or interpretations thereof;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(v)</TD><TD STYLE="text-align: justify">changes in GAAP or other accounting standards or interpretations thereof;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(vi)</TD><TD STYLE="text-align: justify">compliance with the terms of, or the taking of any action required by, the merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(vii)</TD><TD STYLE="text-align: justify">any failure by ChoiceOne or County, in and of itself, to meet any internal or published industry
analyst projections, forecasts, or estimates of revenue, earnings, or other financial or operating metrics for any period;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(viii)</TD><TD STYLE="text-align: justify">any decline in the market price, or change in trading volume, of ChoiceOne common stock or County
common stock, as applicable;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(ix)</TD><TD STYLE="text-align: justify">the announcement or pendency of the merger or any other transaction contemplated by the merger
agreement, including its effect on customers, vendors or employees; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">(x)</TD><TD STYLE="text-align: justify">acts or omissions of ChoiceOne prior to the effective time of the merger taken at the written request
of County or with the prior written consent of County, or the acts or omissions of County prior to the</TD></TR></TABLE>


<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0 0 1pt; text-align: justify"></P>

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<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0 0 1pt; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 27pt">&nbsp;</TD><TD STYLE="text-align: justify">effective time of the merger
taken at the written request of ChoiceOne or with the prior written consent of ChoiceOne, in each case
in connection with the transactions contemplated by the merger agreement or applicable law;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">except, in the case of each
of (i) through (v), above, to the extent that such party is affected in a disproportionate manner as compared to other community
banking organizations in Michigan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in">The representations
and warranties of the parties to the merger agreement will expire upon the effective time of the merger or the termination of the
merger agreement pursuant to its terms.</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><B><A NAME="a_072"></A>Conduct of Business Pending
the Completion of the Transaction</B></P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each of County
and ChoiceOne has agreed to certain covenants in the merger agreement restricting the conduct of its and its subsidiaries' business
between the date of the merger agreement and the effective time of the merger. In general, except as expressly contemplated by
the merger agreement or as required by applicable law or with the prior written consent of the other party (which consent will
not be unreasonably withheld, conditioned or delayed), each party and its subsidiaries will conduct its business in the ordinary
course of business generally consistent with past practice and will use its commercially reasonable efforts (as defined in the
merger agreement) to (i) preserve substantially intact such party's business organization, (ii) retain the services of such party's
current officers and employees, and (iii) preserve its present relationships with customers, suppliers, vendors, and licensors.</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition, each
of County and ChoiceOne have agreed to reciprocal restrictions relating to the conduct of their respective businesses between the
date of the merger agreement and the effective time of the merger, including, but not limited to, prohibitions against taking the
following actions without the other party's prior written consent (which consent may not be unreasonably withheld, conditioned
or delayed) and subject, in each case, to certain exceptions specified in the merger agreement or previously disclosed in writing
to the other party as provided in the merger agreement:</P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">amending its articles of incorporation or bylaws (or other comparable organizational documents);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">splitting, combining or reclassifying of any of its capital stock;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">repurchasing, redeeming or otherwise acquiring, or offering to repurchase, redeem or otherwise
acquire, any of its securities, except in the case of ChoiceOne accepting shares of its common stock in payment of the exercise
price or withholding taxes in connection with the exercise or vesting of equity-based awards in accordance with past practice and
the terms of the applicable stock plans and related award agreements;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">declaring, setting aside or paying any dividend or distribution (whether in cash, stock, property
or otherwise) in respect of, or entering into any contract with respect to the voting of, any shares of its capital stock (except
regular quarterly dividends by a party on its common stock, distributions to or from a party to a subsidiary, and payment of the
contemplated pre-merger special dividend by ChoiceOne);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">issuing, selling, pledging, disposing, or encumbering any of its common stock, other than in the
case of ChoiceOne issuing of shares of common stock upon the exercise or vesting of any award granted prior to the date of the
merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except as required by applicable law or in accordance with the terms of any benefit plan of such
party as in effect on the date of the merger agreement, and except in the ordinary course of business consistent with past practice,
(i) increasing the compensation (including bonus opportunities) payable or that could become payable to directors, executive officers,
or any substantial class of employees; (ii) entering into any new or amending in any material respect any existing employment,
consulting, severance, termination, retention or change in control agreements, (iii) establishing, adopting, entering into, amending,
terminating, or taking any action to accelerate rights under any benefit plan; (iv) promoting any executive officer or promoting
any non-executive officer employee to an executive officer position; (v) granting any severance or termination pay unless provided
under any benefit plan; (vi) granting any compensatory awards that are payable in, relate to, or determined by reference to the
value of ChoiceOne common stock or County common stock, as applicable; (vii) entering into any new or amending any collective bargaining
agreement;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&nbsp;</FONT></TD><TD STYLE="text-align: justify">or (viii) funding or securing payment of compensation or benefits under any benefit plan other than as provided by such
benefit plan;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">hiring or terminating any executive officer, except for termination for cause and hires to replace;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">appointing or electing any director, except for removal for cause, appointments or elections to
replace, and elections of current directors at any annual meeting of shareholders;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">acquiring by merger, consolidation, acquisition of stock or assets, or otherwise, any business
or division of a business or, except for transactions with or among wholly-owned subsidiaries, making any capital contributions
to any person, other than (i) cash-only acquisitions and asset purchase transactions that do not exceed $500,000; (ii) transactions
incident to foreclosures in connection with previously contracted debts; or (iii) acquisitions of personal property in the ordinary
course of business generally consistent with past practice;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">transferring, licensing, selling, leasing or otherwise disposing of any material assets, including
equity interests in any subsidiary, except in the ordinary course of business consistent with past practice;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">adopting or effecting a plan of complete or partial liquidation, dissolution, restructuring, recapitalization
or other corporate reorganization;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except in the ordinary course of business consistent with past practice, repurchasing, prepaying
or incurring any indebtedness for borrowed money or guaranteeing any such indebtedness of another person, issuing or selling any
debt securities or options, warrants, calls or other rights to acquire any debt securities of such party or its subsidiaries, guaranteeing
any debt securities of another person, or entering into any contract to maintain any financial statement condition of any other
person other than its wholly-owned subsidiaries;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">making any application for the opening, relocation, or closing of any branch office, loan production
office or other material office or facility, or opening any such material office or facility;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">entering into, amending, or modifying in any material respect, or consenting to the termination
of, any material contract other than in the ordinary course of business consistent with past practice;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">instituting, settling or compromising any pending or threatened actions before any arbitrator,
court or other governmental entity involving the payment by the party of monetary damages exceeding $250,000, an admission of liability
exceeding $250,000, or injunctive or similar relief, or having a material impact on the party's business;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">making any material change in financial accounting principles or practices except for any such
change required by a change in GAAP or other applicable law;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">settling or compromising any tax claims, audits or assessments in excess of the amount reserved
for such claims, audits or assessments on the books and records of such party;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">making, revoking, or changing any material tax election, changing any tax accounting period, or
adopting, revoking, or changing any method of tax accounting;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">entering into any closing agreement, surrendering in writing any right to claim a tax refund, offset
or other reduction in tax liability or consenting to any extension or waiver of the limitation period applicable to any material
tax claim or assessment;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">entering into any joint venture, strategic partnership or alliance;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">abandoning, encumbering, conveying title, exclusively licensing or granting any right or other
licenses to material intellectual property owned by such party, other than in the ordinary course of business consistent with past
practice;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except pursuant to the merger, acquiring or causing its affiliates to acquire any shares of capital
stock of the other party;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">entering into any material new line of business or changing in any material respect its underwriting,
lending, investment, risk and asset liability management, interest rate or fee pricing with respect to depository accounts, hedging
and other material banking or operating policies or practices, except in the ordinary course of business consistent with past practice
or as required by law or any regulatory agency having jurisdiction over the party;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">except as required by law or a regulatory agency having jurisdiction over the parties, making any
material changes in its policies and practices with respect to underwriting, pricing, originating, acquiring, selling, servicing,
or buying or selling rights to service loans;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">making any loan in material violation of, or otherwise failing to comply in all material respects
with, its underwriting and credit policies as in effect as of the date of the merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">restructuring or materially changing its investment securities portfolio through purchases, sales
or otherwise, or its policies with respect to the classification of such portfolios;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">purchasing, committing to purchase, or otherwise acquiring any derivative or synthetic mortgage
product or entering into any interest rate swap transaction, other than the purchase and sale of collateralized mortgage obligations
and interest rate swap transactions in the ordinary course of business and consistent with past practice;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">taking any action that would prevent the merger from qualifying for its intended tax treatment
or that would cause an unreasonable delay of the effectiveness of the registration statement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">failing to comply in all material respects with applicable law and internal policies and procedures
adopted by its board of directors applicable to the conduct of its business, except to the extent that the application of any law
is being contested in good faith and the other party has been notified of such contest;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">failing to maintain its books, accounts, and records in the usual and regular manner and in material
compliance with applicable law, governmental policy issuances, GAAP and accounting standards, and internal policies and procedures
formally adopted by its board of directors;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">failing to use commercially reasonable efforts (as defined in the merger agreement) to maintain
its property and assets in their present state of repair, order, and condition, reasonable wear and tear and damage by fire or
other casualty covered by insurance excepted;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">failing to use commercially reasonable efforts (as defined in the merger agreement) to maintain
and keep in full force and effect its and their existing insurance coverage (or substantially similar replacement coverage) in
such amounts, against such risks and losses, and with such self-insurance requirements as are presently in force;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">failing to charge off loans and maintain its allowance for loan and lease losses, in each case
in a manner in conformity with the prior respective practices of the party, GAAP standards, and the Interagency Policy Statement
on the Allowance for Loan and Lease Losses;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">failing to promptly notify the other party of the threat or commencement of any material action
against, relating to, or affecting the party, its subsidiaries, and their respective directors, officers, employees, assets, liabilities,
businesses, or operations or the merger or the merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">making any loan or loan commitment, renewal, or extension to any director, officer or principal
shareholder which would, when aggregated with all outstanding loans, commitments, renewals, or extensions to the such person and
such person's &quot;immediate family&quot; (as defined in Regulation O) and affiliates, exceed $750,000, except renewals or advances
on existing lines of credit, the renegotiation or restructuring of any</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&nbsp;</FONT></TD><TD STYLE="text-align: justify">problem or delinquent loan, or the making of residential
mortgage loans in the ordinary course of business consistent with past practice and on terms available to the party's customer's
generally;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">taking any action to discharge or satisfy any mortgage, lien, charge, or encumbrance, other than
as a result of the payment of liabilities in accordance with their terms or in the ordinary course of business consistent with
past practice, if the cost to discharge or satisfy such mortgage, lien, charge, or encumbrance is in excess of $100,000 (unless
the discharge or satisfaction is covered by general or specific reserves);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">taking any action to pay any liability in excess of $250,000 not shown on the party's financial
statements, except in the ordinary course of business consistent with past practice, or in connection with the transactions contemplated
by the merger agreement;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">entering into or amending any contract or other transaction with any related person except as contemplated
or permitted by the merger agreement, and except for banking transactions in the ordinary course of business consistent with past
practice and on terms available to customers generally;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">making or renewing any charitable contributions, gifts, commitments, or pledges of cash or other
assets except for contributions to any individual entity that are made in the ordinary course of business consistent with past
practice;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">taking any action to enter into, or committing to enter into, any agreement for trust, consulting,
professional, or other services that is not terminable without penalty upon 90 days' or less notice, except for contracts for services
under which the aggregate required payments do not exceed $250,000, and except for legal, accounting and other ordinary expenses
(not including expenses of financial advisors) related to the merger agreement;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">taking any action to enter into, or committing to enter into, any joint venture, strategic alliance,
or material relationship with any person to jointly develop, market, or offer any product or service, or disclosing any customer
names, addresses, telephone numbers, lists, or any other nonpublic information concerning customers or other consumers to any person
not employed by such party or its subsidiaries in connection with their employment, other than marketing firms and other vendors
in the ordinary course of business and in compliance with the Federal Reserve Board's Regulation P; or</TD></TR></TABLE>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">agreeing or committing to do any of the foregoing.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><A NAME="a_073"></A><B>Restrictions on Solicitation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Except as described
below, each of ChoiceOne and County has agreed that, from the time of the execution of the merger agreement until the earlier of
the effective time of the merger or the termination of the merger agreement, it will not, and cause its subsidiaries and representatives
not to, directly or indirectly: (i)&nbsp;solicit or initiate, encourage (including by way of furnishing non-public information),
or knowingly facilitate any inquiries regarding, or the making of any proposal or offer that constitutes, or would reasonably be
expected to lead to a proposal that constitutes, a takeover proposal; or (ii)&nbsp;engage or enter into, continue or otherwise
participate in any discussions or negotiations regarding, or furnish to any other person non-public information in connection with,
any takeover proposal, or otherwise cooperate with or assist or participate in, or encourage or knowingly facilitate any such inquiries,
proposals, discussions or negotiations or any effort or attempt to make a takeover proposal. Following execution of the merger
agreement, each of ChoiceOne and County were required to, and to cause each of its respective subsidiaries and each of its and
its respective subsidiaries' representatives to, cease any solicitation, encouragement, discussions or negotiations with any person
that may have been ongoing with respect to any takeover proposal, request the destruction of its confidential information by such
person, and terminate all physical and electronic data room access previously granted to any such person or its representatives.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A &quot;takeover
proposal&quot; with respect to either ChoiceOne or County means any inquiry, proposal, or offer from any person (other than the
other party) or &quot;group&quot;, within the meaning of Section&nbsp;13(d) of the Exchange Act, of persons relating to, in a
single transaction or series of related transactions, any (i)&nbsp;acquisition of assets equal to more than 25% of the party's
consolidated assets or to which more than 25% of the party's net income on a</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">consolidated basis are attributable; (ii)&nbsp;acquisition
of more than 25% of the outstanding common stock of the party or any subsidiary; (iii)&nbsp;tender offer or exchange offer that,
if consummated, would result in any person or group of persons beneficially owning more than 25% of the party's outstanding common
stock; (iv)&nbsp;merger, consolidation, share exchange, business combination, recapitalization, liquidation, dissolution, or similar
transaction involving the party; or (v)&nbsp;any combination of the foregoing types of transactions if the sum of the percentage
of consolidated assets, consolidated net income, and common stock involved is more than 25%, in each case, other than the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Notwithstanding
the restrictions described above, at any time prior to obtaining the relevant shareholder approval, if a party receives an unsolicited
takeover proposal, if such party's board of directors determines in good faith, after consultation with its financial advisors
and outside legal counsel, that such takeover proposal constitutes or is reasonably likely to lead to a superior proposal, and
subject to certain other conditions, such party and its representatives may (a) furnish (pursuant to a confidentiality agreement
meeting certain requirements set forth in the merger agreement) information with respect to such party and its subsidiaries to
the person who made the proposal and its representatives (provided that such party makes available to the other party, and provides
the other party with express written notification of the availability of, any written material non-public information that is provided
to such person or their representatives, if such information was not previously provided to the other party or its representatives),
and (b) engage in or otherwise participate in discussions or negotiations with such person and its representatives; provided that
such party will promptly provide to the other party (i) a copy of the takeover proposal together with the identity of the person(s)
making the takeover proposal, and (ii) a written summary of the material terms of any such takeover proposal not made in writing.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A &quot;superior
proposal&quot; means, with respect to either ChoiceOne or County, any bona fide written takeover proposal with respect to such
party that such party's board of directors has determined in its good faith judgment, after consultation with its financial advisors
and outside legal counsel, is reasonably likely to be consummated in accordance with its terms and that is reasonably likely to
result in the consummation of a transaction more favorable to the shareholders of such party from a financial point of view than
the merger, taking into account all legal, regulatory, financial aspects of the proposal, and any changes to the terms of the merger
agreement proposed in writing by the other party in response to such proposal or otherwise. For purposes of the definition of &quot;superior
proposal,&quot; the references to &quot;25%&quot; in the definition of takeover proposal are deemed to be references to &quot;50%.&quot;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_074"></A>Changes in Board Recommendations</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The respective boards
of directors of ChoiceOne and County have each agreed, subject to certain exceptions discussed below, not to (i) fail to recommend
to the shareholders the approval of the merger agreement (and, in the case of the ChoiceOne board of directors, approval of the
amendment to ChoiceOne's Articles of Incorporation to increase the number of authorized shares of common stock), (ii) change, qualify,
withhold, withdraw or modify, or publicly propose to take such an action, in a manner adverse to the other party, their respective
recommendations with respect to the merger, (iii) take any formal action or make any recommendation or public statement in connection
with a tender offer or exchange offer other than a recommendation of rejection of such offer or a temporary &quot;stop, look and
listen&quot; communication pursuant to Rule 14d-9(f) of the Exchange Act (as if such provisions are applicable), or (iv) adopt,
approve or recommend or publically propose to adopt, approve or recommend a takeover proposal. In addition, subject to certain
exceptions described below and in the merger agreement, the respective boards of directors of ChoiceOne and County may not cause
or permit their respective companies or subsidiaries to enter into any letter of intent, agreement or agreement in principle with
respect to any takeover proposal (other than a confidentiality agreement meeting certain requirements set forth in the merger agreement).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Notwithstanding
the restrictions described above, prior to obtaining the relevant shareholder approval, the board of directors of either of ChoiceOne
or County is permitted to change, qualify, withhold, withdraw or modify in a manner adverse to the other party its recommendations
with respect to the merger if, subject to certain conditions, the board of directors of ChoiceOne or County, as applicable, among
other things, determines in good faith after consultation with its financial advisors and outside legal counsel that a takeover
proposal received after the date of the merger agreement constitutes a superior proposal.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Prior to making
a change in recommendation as described above, the party whose board of directors is making such change must (i) inform the other
party in writing of its board of directors' intention to change its</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">recommendation at least five business
days in advance, (ii) provide to such other party the material terms and conditions of and identity of the person making the takeover
proposal, as well as a copy of all written transaction documents and related materials with or from the party making such takeover
proposal, and (iii) negotiate (and cause its representatives to negotiate) in good faith with the other party during such notice
period, to the extent that the other party wishes to negotiate, to revise the terms of the merger agreement such that it would
cause the superior proposal to no longer constitute a superior proposal. Following the end of such notice period, the board of
directors proposing to make the recommendation change must have considered in good faith any changes to the merger agreement proposed
in writing by the other party, and must have determined that the superior proposal would continue to constitute a superior proposal
if such revisions were to be given effect. If material revisions to a takeover proposal would have an impact, influence or other
effect on the receiving party's board of directors' decision or discussion with respect to whether such proposal constitutes a
superior proposal, that party's board of directors must deliver to the other party a new written notice and again comply with
the procedures set forth in this paragraph, except that the five business day period described above becomes a three business
day period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_075"></A>Efforts to Obtain Required Shareholder
Approvals</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each party has agreed
to hold a special meeting, as soon as practicable following the date on which the registration statement of which this joint proxy
statement and prospectus forms a part is declared effective, for the purposes of seeking the required approvals of its shareholders
related to the merger agreement and the merger and, unless the board of directors of such party has changed its recommendation
as permitted by the merger agreement, to use its commercially reasonable efforts (as defined in the merger agreement) to solicit
the requisite shareholder approval for such proposals.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_076"></A>Efforts to Complete the Transactions</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
have each agreed, among other things, to use commercial reasonable efforts to take, or cause to be taken, all appropriate actions,
and do, or cause to be done, all things necessary, proper or advisable under the merger agreement and any applicable law to consummate
and make effective the merger and the other transactions contemplated by the merger agreement as soon as reasonably practicable,
including preparing and filing as promptly as practicable all documentation to effect all necessary notices, reports and other
filings, and to obtain as promptly as reasonably practicable all consents, registrations, approvals, permits and authorizations
necessary or advisable to be obtained from any governmental entity or other third party in order to consummate the merger or any
of the other transactions contemplated by the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_077"></A>Other Covenants and Agreements</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
contains certain other covenants and agreements, including, among others, the following covenants:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">each party will hold and treat in confidence all information received from the other party in
                                                                                                               connection with the transactions contemplated by the merger agreement in accordance with the provisions of the
                                                                                                               confidentiality agreement between ChoiceOne and County;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">all employees of County or any County subsidiary (including employees on an authorized leave
                                                                                                               of absence) immediately before the effective time of the merger will automatically become employees of ChoiceOne or its
                                                                                                               subsidiaries as of the effective time of the merger, and ChoiceOne will (i) provide all former County employees the same employee
                                                                                                               benefits
                                                                                                               provided to similarly situated employees at ChoiceOne, (ii) cooperate with County to cause certain former County employees
                                                                                                               to                                                                                                                receive
                                                                                                               retention bonuses as agreed upon by the parties, and (iii) provide credit for years of service with County or any
                                                                                                               County subsidiary for purposes of eligibility to participate, vesting credit, entitlement to benefits, and levels of
                                                                                                               benefits                                                                                                                of
                                                                                                               any ChoiceOne employee benefit plan, including for purposes of determining seniority;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">each party may (i) pay cash bonuses under its respective 2018 bonus plan consistent with the terms
of the bonus plan and past practice, (ii) establish a 2019 cash bonus plan and issue incentive compensation in the form of equity
awards under its existing stock incentive plan, in each case consistent with past practice and after consultation with the other
party; (iii) increase employee compensation in the ordinary course</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&nbsp;</FONT></TD><TD STYLE="text-align: justify">consistent with past practice, but no more than 3.5% in the
aggregate, and (iv) reimburse employees for expenses in accordance with its reimbursement policies and consistent with past practice;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County
                                         will, prior to the effective time of the merger, (a) contribute to the account of each
                                         participant in the County's 401(k) plan up to a 1% matching contribution for the period
                                         beginning January 1, 2019 and ending immediately prior to the effective time of the merger
                                         consistent with the formula used by County in past practice, and (b) contribute to the
                                         account of each participant in County's profit sharing plan an amount that, based on
                                         after-tax net profits earned from Lakestone Bank for the period beginning January 1,
                                         2019 and ending immediately prior to the effective time of the merger, would provide
                                         a profit sharing contribution equal to 10% of the after-tax net profits earned by Lakestone
                                         Bank if the effective time of the merger were to occur on January 1, 2020;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County
                                         will adopt resolutions terminating its 401(k) plan and profit sharing plan prior to the
                                         effective time of the merger, and, after the effective time, the account balances of
                                         such plans will be either distributed to participants or rolled over to a qualified retirement
                                         plan or individual retirement account, and ChoiceOne will allow participants in County's
                                         profit sharing plan or 401(k) plan to roll over their account balances to ChoiceOne's
                                         401(k) plan and will amend ChoiceOne's 401(k) plan to provide for former County employees
                                         who remain employed by ChoiceOne after the merger to be entitled to receive up to a 1%
                                         matching contribution for amounts deferred to ChoiceOne's 401(k) plan during 2019 (if
                                         such employees participated in County's 401(k) plan as of the effective time of the merger);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne will use commercially reasonable efforts (as defined in the merger agreement) to cause
the shares of ChoiceOne common stock to be issued as merger consideration to be authorized for listing on the Nasdaq Capital Market
within 180 days after the effective time of the merger but not later than April 30, 2020;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">each party will keep the other party reasonably informed with respect to the defense or settlement
of any securityholder action against it or its directors or officers relating to the merger or other transactions contemplated
by the merger agreement, will give the other party opportunity to consult with it regarding the defense or settlement of any such
securityholder action, and will not settle any such action without the other party's prior written consent (such consent not to
be unreasonably withheld, conditioned or delayed);</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">whether or not the merger is consummated, except as otherwise expressly provided in the merger
agreement, all costs and expenses incurred in connection with the merger agreement and the transactions contemplated by the merger
agreement will be paid by the party incurring such expenses, except that the parties will each pay one-half of (i) each regulatory
filing, notification, registration or similar fee required to be paid by a party in connection with the merger agreement and the
transactions contemplated by the merger agreement pursuant to the Securities Act, the Exchange Act, applicable banking laws and
other applicable laws, and (ii) any fees and expenses (excluding each party's internal costs and fees and expenses of attorneys,
accountants and financial and other advisors) incurred in respect of printing, filing and mailing this joint proxy statement and
prospectus and the registration statement of which this joint proxy statement and prospectus is a part;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the parties will coordinate with each other regarding the declaration, setting of record dates
and payment dates of dividends with respect to shares of ChoiceOne common stock and County common stock for the purpose of minimizing
the risk that holders of shares of County common stock (i) in respect of any calendar quarter, receive dividends on both shares
of County common stock and shares of ChoiceOne common stock received as merger consideration, or (ii) in respect of any calendar
quarter, fail to receive a dividend on shares of County common stock or shares of ChoiceOne common stock received as merger consideration;
and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">neither party will, or will permit any of its subsidiaries or agents to, issue any press release
or make any public announcement relating to the merger agreement or the transactions contemplated by the merger agreement without
the prior consent of the other party, provided that either party may, without the prior written consent of the other party (but
after prior consultation with the other party to the extent practicable under the circumstances) issue such a press release or
make such a public announcement that it believes in good faith, after consultation with outside legal counsel, to be required by
applicable law or the rules or regulations of any applicable securities exchange (in which case the disclosing party will advise
and consult with the other party regarding any such press release or announcement prior to making any such disclosure).</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_078"></A>Conditions to Completion of the Transaction</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The obligations
of ChoiceOne and County to consummate the transactions are subject to the satisfaction of the following conditions:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the approval of the merger agreement by holders of a majority of the outstanding shares of County
common stock and a majority of the outstanding shares of ChoiceOne common stock;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the approval of the amendment to ChoiceOne's Articles of Incorporation to increase the number of
authorized shares of common stock by holders of a majority of the outstanding shares of ChoiceOne common stock;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the receipt and effectiveness of all required regulatory approvals, the expiration of all statutory
notice and waiting periods in respect of such regulatory approval, and the absence of any condition or restriction in connection
with any such regulatory approval that would have, or would be reasonably likely to have, a material adverse effect on the surviving
corporation;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the absence of any order, injunction or decree issued by any court or agency of competent jurisdiction
preventing or prohibiting consummation of the merger, and the absence of any law, regulation, order or decree prohibiting or making
illegal the consummation of the merger; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the declaration by the SEC of the effectiveness of the registration statement of which this joint
proxy statement and prospectus forms a part, and the absence of any stop order suspending the effectiveness of such registration
statement or proceedings initiated or threatened by the SEC for such purpose.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition, the
obligations of County to effect the merger are subject to satisfaction or waiver of the following additional conditions:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">as of the date of the merger agreement and as of the closing date of the merger as though made
at and as of the closing date of the merger, or such other date as specified by the merger agreement, (a) certain representations
and warranties of ChoiceOne with respect to delivery of a fairness opinion being true and correct in all respects, (b) certain
representations and warranties of ChoiceOne with respect to authorization of the merger agreement, organization and good standing
of ChoiceOne and its subsidiaries, ownership of its subsidiaries, ChoiceOne's capital stock, and investment bankers and brokers
being true and correct in all respects, other than inaccuracies which individually and in the aggregate are <I>de minimis</I> in
amount and impact, (c) certain representations and warranties of ChoiceOne with respect to authorization and enforceability of
the merger agreement being true and correct in all material respects, and (d) all other representations and warranties of ChoiceOne
being true and correct in all respects, except where the failure of such representations and warranties to be true and correct
has not had, and would not reasonably be expected to have, individually or in the aggregate, a material adverse effect on ChoiceOne,
without giving effect to any limitation as to &quot;materiality&quot; or &quot;material adverse effect&quot; contained therein,
provided that the failure to obtain regulatory approval of the merger will not be deemed to have a material adverse effect;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne having performed all of the obligations required to be performed by it under the merger
agreement at or prior to the closing date of the merger, except where the failure to perform such obligations has not had, and
would not reasonably be expected to have, individually or in the aggregate, a material adverse effect on ChoiceOne, without giving
effect to any limitation as to &quot;materiality&quot; or &quot;material adverse effect&quot; contained therein;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne having delivered to County a certificate, dated as of the closing date, executed on behalf
of ChoiceOne by its chief executive officer or chief financial officer certifying as to the satisfaction of the conditions described
in the preceding two paragraphs;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the absence of any change, state of facts, event, development or effect since December 31, 2018
that has had or would reasonably be expected to have, individually or in the aggregate, a material adverse effect on</TD></TR></TABLE>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&nbsp;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne,
provided that the failure to obtain regulatory approval of the merger will not be deemed to have a material adverse effect; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the receipt by County from Hunton Andrews Kurth LLP of a written opinion, dated as of the closing
date, to the effect that the merger will be treated for U.S. federal income tax purposes as a reorganization within the meaning
of Section 368(a) of the Code.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In addition, the
obligations of ChoiceOne to effect the merger are subject to satisfaction or waiver of the following additional conditions:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">as of the date of the merger agreement and as of the closing date of the merger as though made
at and as of the closing date of the merger, or such other date as specified by the merger agreement, (a) certain representations
and warranties of County with respect to delivery of a fairness opinion being true and correct in all respects, (b) certain representations
and warranties of County with respect to authorization of the merger agreement, organization and good standing of County and its
subsidiaries, ownership of its subsidiaries, County's capital stock, and investment bankers and brokers being true and correct
in all respects, other than inaccuracies which individually and in the aggregate are <I>de minimis</I> in amount and impact, (c)
certain representations and warranties of County with respect to authorization and enforceability of the merger agreement being
true and correct in all material respects, and (d) all other representations and warranties of County being true and correct in
all respects, except where the failure of such representations and warranties to be true and correct has not had, and would not
reasonably be expected to have, individually or in the aggregate, a material adverse effect on County, without giving effect to
any limitation as to &quot;materiality&quot; or &quot;material adverse effect&quot; contained therein, provided that the failure
to obtain regulatory approval of the merger will not be deemed to have a material adverse effect;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County having performed all of the obligations required to be performed by it under the merger
agreement at or prior to the closing date of the merger, except where the failure to perform such obligations has not had, and
would not reasonably be expected to have, individually or in the aggregate, a material adverse effect on County, without giving
effect to any limitation as to &quot;materiality&quot; or &quot;material adverse effect&quot; contained therein;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County having delivered to ChoiceOne a certificate, dated as of the closing date, executed on behalf
of County by its chief executive officer or chief financial officer certifying as to the satisfaction of the conditions described
in the preceding two paragraphs;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the absence of any change, state of facts, event, development or effect since December 31, 2018
that has had or would reasonably be expected to have, individually or in the aggregate, a material adverse effect on County, provided
that the failure to obtain regulatory approval of the merger will not be deemed to have a material adverse effect;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the receipt by ChoiceOne from Warner Norcross + Judd LLP of a written opinion, dated as of the
closing date, to the effect that the merger will be treated for U.S. federal income tax purposes as a reorganization within the
meaning of Section 368(a) of the Code; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the number of shares of County common stock for which dissenters' rights have been properly
                                                                                                               exercised and not subsequently withdrawn, lost or not perfected not exceeding 20% of the shares of County common stock
                                                                                                               entitled to vote.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_079"></A>Termination of the Merger Agreement</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
may be terminated at any time prior to the effective time of the merger, and, except as described below, whether before or after
the receipt of the required shareholder approvals, under the following circumstances:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by mutual written consent of ChoiceOne and County;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by either ChoiceOne or County:</TD></TR></TABLE>

<UL STYLE="margin-top: 0in; list-style-type: circle">

<UL STYLE="margin-top: 0in; list-style-type: circle">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">if any governmental entity has issued
an order or taken any other action permanently enjoining, restraining or otherwise prohibiting the consummation of the merger
and such order or other action is final and nonappealable, except in the event that the party seeking to terminate has failed
to perform any of its obligations under the merger agreement required to be performed at or prior to the effective time of the
merger and such failure has been a substantial cause of, or a substantial factor that resulted in, the issuance of such an order
or the taking of such an action;</FONT></LI>
</UL>

</UL>


<UL STYLE="margin-top: 0in; list-style-type: circle">

<UL STYLE="margin-top: 0in; list-style-type: circle">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">if the merger does not occur before
December 31, 2019 (the &quot;end date&quot;), except in the event that the party seeking to terminate has failed to perform any
of its obligations under the merger agreement required to be performed at or prior to the effective time of the merger and such
failure has been a substantial cause of, or a substantial factor that resulted in, the failure of the effective time of the merger
to occur on or before the end date; provided, however, that if the merger has not occurred solely because approval of the merger
has not been received from a governmental entity, then the end date may be extended by either party without the consent of the
other party for a period not to exceed 30 days;</FONT></LI>

</UL>

</UL>

<UL STYLE="margin-top: 0in; list-style-type: circle">

<UL STYLE="margin-top: 0in; list-style-type: circle">

<LI STYLE="line-height: normal; text-align: justify; margin: 0"><FONT STYLE="font-size: 10pt">(i) if the ChoiceOne shareholder
meeting has concluded and been finally adjourned and the requisite ChoiceOne shareholder approval has not been obtained, or (ii)
if the County shareholder meeting has concluded and been finally adjourned and the requisite County shareholder approval has not
been obtained, except in the event that the party seeking to terminate has failed to perform any of its obligations under the
merger agreement required to be performed at or prior to such party's shareholder meeting and such failure has been a substantial
cause of, or is a substantial factor that resulted in, the required approval of such party's shareholders not having been obtained;</FONT></LI>

</UL>

</UL>

<P STYLE="font: 1pt/normal Times New Roman, Times, Serif; margin: 0 0 1pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by County, if ChoiceOne has breached or failed to perform any of its representations, warranties,
covenants or other agreements contained in the merger agreement, which would result in the mutual conditions to the parties' respective
obligations to complete the transaction or the conditions to County's obligations to complete the transaction not being satisfied,
and which either (i)&nbsp;cannot be cured by the end date or (ii)&nbsp;if capable of being cured by the end date, have not been
cured within 30&nbsp;business days following receipt of written notice from County of such breach or failure, except in the event
that County is then in breach of any representation, warranty, covenant or other agreement contained in the merger agreement and
such breach would result in ChoiceOne's obligations to complete the transaction not being satisfied;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by ChoiceOne, if County has breached or failed to perform any of its representations, warranties,
covenants or other agreements contained in the merger agreement, which would result in the mutual conditions to the parties' respective
obligations to complete the transaction or the conditions to ChoiceOne's obligations to complete the transaction not being satisfied,
and which either (i)&nbsp;cannot be cured by the end date, or (ii)&nbsp;if capable of being cured by the end date, have not been
cured within 30&nbsp;business days following receipt of written notice from ChoiceOne of such breach or failure, except in the
event that ChoiceOne is then in breach of any representation, warranty, covenant or other agreement contained in the merger agreement
and such breach would result in County's obligations to complete the transaction not being satisfied;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by County prior to the receipt of the ChoiceOne shareholder approval if: (i) the ChoiceOne board
of directors has taken any of the actions in items (i) through (iv) described above in the first sentence of the section entitled
&quot;The Merger Agreement &#8211; Changes in Board Recommendations&quot; beginning on page 76; (ii) the ChoiceOne board
of directors has failed to reject a ChoiceOne takeover proposal and reaffirm the ChoiceOne board recommendation within five business
days following the public announcement of such ChoiceOne takeover proposal, and in any event at least two business days prior to
the ChoiceOne shareholder meeting; (iii) ChoiceOne enters into an agreement with respect to any ChoiceOne takeover proposal (other
than a confidentiality agreement that meets certain requirements set forth in the merger agreement); (iv) ChoiceOne has materially
breached its non-solicitation obligations under the non-solicitation covenant of the merger agreement; (v) subject to ChoiceOne's
right to adjourn or postpone the</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&nbsp;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne shareholder meeting in accordance with the merger agreement, ChoiceOne has failed to
call, give proper notice of, convene and hold the ChoiceOne shareholder meeting materially in accordance with the requirements
set forth in the merger agreement; or (vi)&nbsp;ChoiceOne or the ChoiceOne board of directors has publicly announced its intention
to do any of the foregoing;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by ChoiceOne prior to the receipt of the County shareholder approval if: (i) the County board of
directors has taken any of the actions in items (i) through (iv) described above in the first sentence of the section entitled
&quot;The Merger Agreement &#8211; Changes in Board Recommendations&quot; beginning on page 76; (ii) the County board of
directors has failed to reject a County takeover proposal and reaffirm the County board recommendation within five
business days following the public announcement of such County takeover proposal, and in any event at least two business days prior
to the County shareholder meeting; (iii) County enters into an agreement with respect to any County takeover proposal; (iv) County
has materially breached its non-solicitation obligations under the non-solicitation covenant of the merger agreement; (v) subject
to County's right to adjourn or postpone the County shareholder meeting in accordance with the merger agreement, County has failed
to call, give proper notice of, convene and hold the County shareholder meeting materially in accordance with the requirements
set forth in the merger agreement; or (vi)&nbsp;County or the County board of directors has publicly announced its intention to
do any of the foregoing;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by County prior to receipt of the County shareholder approval, in order to enter into a definitive
merger agreement or other definitive purchase or acquisition agreement that constitutes a superior proposal, provided that (i)
County has complied in all material respects with its non-solicitation obligations under the merger agreement, and (ii) County
pays a termination fee prior to or simultaneously with such termination;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">by ChoiceOne prior to receipt of the ChoiceOne shareholder approval, in order to enter into a definitive
merger agreement or other definitive purchase or acquisition agreement that constitutes a superior proposal, provided that (i)
ChoiceOne has complied in all material respects with its non-solicitation obligations under the merger agreement, and (ii) ChoiceOne
pays a termination fee prior to or simultaneously with such termination;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">By ChoiceOne prior to closing if Lakestone Bank is examined for compliance with the Community Reinvestment
Act and receives written notification of a rating lower than &quot;Satisfactory&quot;; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">By County prior to closing if ChoiceOne Bank is examined for compliance with the Community Reinvestment
Act and receives written notification of a rating lower than &quot;Satisfactory.&quot;</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_080"></A>Termination Fees and Expenses; Liability
for Breach</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County will be obligated
to pay to ChoiceOne a termination fee of $3,591,000 (referred to as the &quot;termination fee&quot;) upon the occurrence of the
event giving rise to termination as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County will be obligated to pay the termination fee to ChoiceOne if ChoiceOne terminates the merger
agreement because, prior to the receipt of the County shareholder approval: (i) the County board of directors has effected a County
adverse recommendation change; (ii) the County board of directors has failed to reject a County takeover proposal and reaffirm
the County board recommendation within five business days following the public announcement of such County takeover proposal, and
in any event at least two business days prior to the County shareholder meeting; (iii) County enters into an agreement with respect
to any County takeover proposal (other than a confidentiality agreement that meets certain requirements set forth in the merger
agreement); (iv) County has materially breached its non-solicitation obligations under the non-solicitation covenant of the merger
agreement; (v) subject to County's rights to adjourn or postpone the County shareholder meeting in accordance with the merger agreement,
County has failed to call, give proper notice of, convene and hold the County shareholder meeting materially in accordance with
the requirements set forth in the merger agreement; or (vi)&nbsp;County or the County board of directors has publicly announced
its intention to do any of the foregoing.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County will be obligated to pay the termination fee to ChoiceOne (i) if ChoiceOne terminates the
merger agreement because County has breached or failed to perform any of its representations, warranties, covenants or other agreements
contained in the merger agreement, such that the mutual conditions to the parties' respective obligations to complete the transaction
or the conditions to ChoiceOne's obligations to complete the transaction are not satisfied, and which either (a)&nbsp;cannot be
cured by the end date or (b)&nbsp;if capable of being cured by the end date, have not been cured within thirty business days following
receipt of written notice from ChoiceOne of such breach or failure, or (ii) if ChoiceOne or County terminates the merger agreement
because the requisite County shareholder meeting has concluded and been finally adjourned and the County shareholder approval has
not been obtained, and in either case (x) any person has made (whether or not subsequently withdrawn) a County takeover proposal
prior to the date of any such termination or the date of the County shareholder
meeting, and (y) within 12 months after the date of such termination, County or any of its affiliates consummates a County takeover
proposal or enters into any definitive agreement providing for a County takeover proposal and subsequently consummates such County
takeover proposal (provided that for the purposes of this paragraph, references to 25% in the definition of &quot;County takeover
proposal&quot; are deemed to be references to 50%).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County will be obligated to pay the termination fee to ChoiceOne if (i) ChoiceOne terminates the
merger agreement because the merger does not occur on or before the end date, (ii) any person has made (whether or not subsequently
withdrawn) a County takeover proposal prior to the date of any such termination, and (iii) within 12 months after the date of such
termination, County or any of its affiliates consummates a County takeover proposal or enters into any definitive agreement providing
for a County takeover proposal and subsequently consummates such County takeover proposal (provided that for the purposes of this
paragraph, references to 25% in the definition of &quot;County takeover proposal&quot; are deemed to be references to 50%).</TD></TR></TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">County will be obligated to pay the termination fee to ChoiceOne if County terminates the merger
agreement prior to receipt of the County shareholder approval in order to enter into a definitive merger agreement or other definitive
purchase or acquisition agreement that constitutes a County superior proposal.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;ChoiceOne will
be obligated to pay County the termination fee upon the occurrence of the event giving rise to termination as follows:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne will be obligated to pay the termination fee to County if County terminates the merger
agreement because, prior to the receipt of the ChoiceOne shareholder approval: (i) the ChoiceOne board of directors has effected
a ChoiceOne adverse recommendation change; (ii) the ChoiceOne board of directors has failed to reject a ChoiceOne takeover proposal
and reaffirm the ChoiceOne board recommendation within five business days following the public announcement of such ChoiceOne takeover
proposal, and in any event at least two business days prior to the ChoiceOne shareholder meeting; (iii) ChoiceOne enters into an
agreement with respect to any ChoiceOne takeover proposal (other than a confidentiality agreement that meets certain requirements
set forth in the merger agreement); (iv) ChoiceOne has materially breached its non-solicitation obligations under the non-solicitation
covenant of the merger agreement; (v) subject to ChoiceOne's rights to adjourn or postpone the ChoiceOne shareholder meeting in
accordance with the merger agreement, ChoiceOne has failed to call, give proper notice of, convene and hold the ChoiceOne shareholder
meeting materially in accordance with the requirements set forth in the merger agreement; or (vi)&nbsp;ChoiceOne or the ChoiceOne
board of directors has publicly announced its intention to do any of the foregoing.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne will be obligated to pay the termination fee to County (i) if County terminates the merger
agreement because ChoiceOne has breached or failed to perform any of its representations, warranties, covenants or other agreements
contained in the merger agreement, such that the mutual conditions to the parties' respective obligations to complete the transaction
or the conditions to County's obligations to complete the transaction are not satisfied, and which either (a)&nbsp;cannot be cured
by the end date or (b)&nbsp;if capable of being cured by the end date, have not been cured within thirty business days following
receipt of written notice from County of such breach or failure, or (ii) if County or ChoiceOne terminates the merger agreement
because the requisite ChoiceOne shareholder meeting has concluded and been finally adjourned</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&nbsp;</FONT></TD><TD STYLE="text-align: justify">and the ChoiceOne shareholder approval
has not been obtained, and in either case (x) any person has made (whether or not subsequently withdrawn) a ChoiceOne takeover
proposal prior to the date of any such termination or the date of the ChoiceOne shareholder meeting, and (y) within 12 months after
the date of such termination, ChoiceOne or any of its affiliates consummates a ChoiceOne takeover proposal or enters into any definitive
agreement providing for a ChoiceOne takeover proposal and subsequently consummates such ChoiceOne takeover proposal (provided that
for the purposes of this paragraph, references to 25% in the definition of &quot;ChoiceOne takeover proposal&quot; are deemed to
be references to 50%).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne will be obligated to pay the termination fee to County if (i) County terminates the merger
agreement because the merger does not occur on or before the end date, (ii) any person has made (whether or not subsequently withdrawn)
a ChoiceOne takeover proposal prior to the date of any such termination, and (iii) within 12 months after the date of such termination,
ChoiceOne or any of its affiliates consummates a ChoiceOne takeover proposal or enters into any definitive agreement providing
for a ChoiceOne takeover proposal and subsequently
consummates such ChoiceOne takeover proposal (provided that for the purposes of this paragraph, references to 25% in the definition
of &quot;ChoiceOne takeover proposal&quot; are deemed to be references to 50%).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">ChoiceOne will be obligated to pay the termination fee to County if ChoiceOne terminates the merger
agreement prior to receipt of the ChoiceOne shareholder approval in order to enter into a definitive merger agreement or other
definitive purchase or acquisition agreement that constitutes a ChoiceOne superior proposal.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In no event will
either of County or ChoiceOne be required to pay the termination fee on more than one occasion.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Upon the termination
of the merger agreement in accordance with its terms and payment of the termination fee, if applicable, neither County nor ChoiceOne
will have any continuing liability to the other (except with respect to press releases, confidentiality and certain miscellaneous
provisions). However, each party will remain liable for damages arising from a willful or intentional breach of the merger agreement
or fraud.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_081"></A>Governance of the Combined Company
Following the Completion of the Transaction</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne has agreed to
take all requisite action, effective as of the effective time of the merger, to cause (i)&nbsp;the ChoiceOne board of directors
to consist of 14 directors, which will include: (a)&nbsp;seven directors designated by ChoiceOne, and (b) seven directors designated
by County, with the number of ChoiceOne designees and County designees in each of the three classes of the surviving corporation's
board of directors to be as equal as possible. From the effective time of the merger until the completion of the third annual shareholder
meeting of the surviving corporation following the effective time of the merger, the board of directors of the surviving corporation
will nominate for election the ChoiceOne designees and County designees, or such replacement designees as selected by the remaining
ChoiceOne designees or County designees, as applicable. Prior to the effective time of the merger, ChoiceOne will amend its bylaws,
or use commercially reasonable efforts (as defined in the merger agreement) to amend its articles of incorporation, to reflect
the foregoing matters and to set the mandatory retirement age for ChoiceOne directors at 72 years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Effective as of the effective
time of the merger, (i) Paul L. Johnson will serve as Chairman of the board of directors of the surviving corporation; (ii) Bruce
J. Cady will serve as Vice Chairman of the board of directors of the surviving corporation; (iii) Kelly J. Potes will serve as
the Chief Executive Officer of the surviving corporation; and (iv) Michael J. Burke will serve as President of the surviving corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Effective as of the effective
time of the merger, and until the earlier of the third annual shareholder meeting of the surviving corporation or the effective
time of the consolidation of the parties' respective subsidiary banks, (i) the board of directors of Lakestone Bank will be the
board of directors of Lakestone Bank as of immediately prior to the effective time of the merger, except that ChoiceOne will be
entitled to designate as a member of such board of directors one individual who is an officer of the surviving corporation and
a director of ChoiceOne Bank, and (ii) the board of directors of ChoiceOne Bank will be the board of directors of ChoiceOne Bank
as of immediately prior to</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">the effective time of the merger, except that County will be entitled to designate as a member of such
board of directors one individual who is an officer of the surviving corporation and a director of Lakestone Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_082"></A>Indemnification and Insurance</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne has agreed that
all rights to indemnification (including advancement of expenses) existing in favor of the current or former directors, officers,
employees or agents of County or its subsidiaries as provided in their articles of incorporation, bylaws or similar organizational
documents, or in any existing indemnification agreements with County or its subsidiaries, will survive the merger, will continue
in full force and effect in accordance with their terms, and will be honored and assumed by the surviving corporation. For six
years from the effective time of the merger, the surviving corporation, to the fullest extent permitted by law, will maintain
in effect indemnification (including advancement of expenses) no less favorable to officers, directors, employees or agents than
those set forth in the articles of incorporation, bylaws or similar organization documents of County and its subsidiaries in effect
immediately prior to the date of the merger agreement and will not amend, repeal or otherwise modify any such provisions in any
manner that would adversely affect the rights thereunder of any individuals who at the effective time of the merger were current
or former directors, officers, employees or agents of County or any of its subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County will purchase, prior
to the effective time of the merger, at a cost not exceeding 300% of the last annual premium of each policy, a six-year prepaid
&quot;tail&quot; policy on terms and conditions providing substantially equivalent benefits as the current policies of bankers'
blanket bond, directors' and officers' liability insurance and fiduciary liability insurance maintained by County and its subsidiaries
for its current or former directors, officers, employees or agents with respect to matters occurring at or prior to the effective
time of the merger, including the transactions contemplated by the merger agreement. The surviving corporation will maintain such
policy in full force and effect for its full term and honor all obligations thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_083"></A>Amendments, Extensions and Waivers</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
may be amended by the parties at any time before or after the receipt of the County shareholder approval or the ChoiceOne shareholder
approval by action taken or authorized by the parties' respective boards of directors. After receipt of either the County shareholder
approval or the ChoiceOne shareholder approval, no amendment will be made which by law or in accordance with the rules of any relevant
stock exchange requires further approval by the County shareholders or the ChoiceOne shareholders, as applicable, without such
further shareholder approval. The merger agreement may not be amended except by an instrument in writing signed on behalf of ChoiceOne
and County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_084"></A>Governing Law</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The merger agreement
is governed by the laws of the State of Michigan.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_085"></A>No Third Party Beneficiaries</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">While the merger
agreement is not intended to confer upon you or any other person other than ChoiceOne and County any rights or remedies, it provides
limited exceptions for (i) County's and its subsidiaries' directors and officers to continue to have indemnification and liability
insurance coverage after the completion of the merger, and (ii) holders of County common stock after the effective time of the
merger to properly convert their shares of common stock pursuant to the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_086"></A>Specific Performance</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne and County
agreed that irreparable damage would occur in the event that any of the provisions of the merger agreement were not performed in
accordance with their specific terms or were otherwise breached. Each party will be entitled to seek an injunction, specific performance
and other equitable relief to prevent breaches of the merger agreement by the other party or to enforce specifically the terms
and provisions of the merger agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_087"></A>MATERIAL U.S. FEDERAL INCOME TAX
CONSEQUENCES</B></P>

<P STYLE="font: 10pt/11.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white"><I>General</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white; text-indent: 0.5in">The
following is a summary of the material anticipated United States federal income tax consequences generally applicable to a U.S.
Holder (as defined below) of County common stock with respect to the exchange of County common stock for ChoiceOne common stock
pursuant to the merger. This discussion assumes that U.S. Holders hold their County common stock as capital assets within the meaning
of Section 1221 of the Code (generally, property held for investment). This summary is based on the Code, regulations issued by
the Treasury Department of the United States (&quot;Treasury Regulations&quot;), judicial decisions, and administrative pronouncements,
each as in effect as of the date of this prospectus and proxy statement. All of the foregoing are subject to change at any time,
possibly with retroactive effect, and all are subject to differing interpretation. No advance ruling has been sought or obtained
from the Internal Revenue Service (the &quot;IRS&quot;) or the Treasury Department of the United States regarding the United States
federal income tax consequences of the merger. As a result, no assurance can be given that the IRS would not assert, or that a
court would not sustain, a position contrary to any of the tax consequences set forth below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white; text-indent: 0.5in"><B><I>As
described in the Risk Factors, the merger may fail to qualify as a reorganization for U.S. federal income tax purposes, resulting
in a shareholder's recognition of taxable gain or loss in respect of all of his or her County common stock.</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">This
summary does not address any tax consequences arising under United States federal tax laws other than United States federal income
tax laws, nor does it address the laws of any state, local, foreign, or other taxing jurisdiction, nor does it address any aspect
of income tax that may be applicable to non-U.S. Holders of County common stock or to any party that has an agreement with the
IRS. In addition, this summary does not address all aspects of United States federal income taxation that may apply to U.S. Holders
of County common stock in light of their particular circumstances or U.S.&nbsp;Holders that are subject to special rules under
the Code, such as holders of County common stock that are partnerships or other pass-through entities (and persons holding their
County common stock through a partnership or other pass-through entity), persons who acquired shares of County common stock as
a result of the exercise of employee stock options or otherwise as compensation or through a tax-qualified retirement plan, persons
subject to the alternative minimum tax, tax-exempt organizations, financial institutions, broker-dealers, traders in securities
that have elected to apply a mark-to-market method of accounting, insurance companies, <FONT STYLE="background-color: white">regulated
investment companies, real estate investment trusts, </FONT>persons having a &quot;functional currency&quot; other than the U.S.
dollar, U.S. expatriates, and persons holding their County common stock as part of a straddle, hedging, constructive sale, conversion
transaction, or other risk reduction transaction. This summary does not address the income tax consequences to any party regarding
the treatment of compensation or other benefits paid or to be paid by County or ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">For
purposes of this summary, a &quot;U.S. Holder&quot; is a beneficial owner of County common stock that is for U.S. federal income
tax purposes:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a United States citizen or resident alien;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a corporation, or other entity or arrangement taxable as a corporation for United States federal
income tax purposes, created or organized under the laws of the United States or any state therein or the District of Columbia;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a trust if (1)&nbsp;it is subject to the primary supervision of a court within the United States
and one or more United States persons have the authority to control all substantial decisions of the trust, or (2)&nbsp;it was
in existence on August&nbsp;20, 1996 and has a valid election in effect under applicable Treasury Regulations to be treated as
a United States person; or</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">an estate of a decedent, the income of which is subject to United States federal income taxation
regardless of its source.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">If
a partnership (including an entity or arrangement treated as a partnership for U.S. federal income tax purposes) holds County common
stock, the tax treatment of a partner in the partnership will generally depend on the status of such partner and the activities
of the partnership.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">ChoiceOne
and County have structured the merger to qualify as a &quot;reorganization&quot; within the meaning of Section&nbsp;368(a) of the
Code and the merger agreement to constitute a &quot;Plan of Merger&quot; within the meaning of Treasury Regulations Sections 1.368-2(g)
and 1.368-3(a) for purposes of Sections 354, 356 and 361 of the Code. The obligations of ChoiceOne and County to consummate the
merger are conditioned upon the receipt of an opinion from Warner Norcross + Judd LLP for its client, ChoiceOne, and an opinion
from Hunton Andrews Kurth LLP for its client, County, to the effect that the merger will for U.S. federal income tax purposes qualify
as a reorganization based upon customary representations made by ChoiceOne and County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white">Assuming
that the transactions are consummated substantially in conformity with the terms of the merger agreement, the merger will constitute
a reorganization within the meaning of Section 368(a) of the Code and the merger agreement will constitute a &quot;Plan of Merger&quot;
within the meaning of Treasury Regulations Sections 1.368-2(g) and 1.368-3(a) for purposes of Sections 354, 356 and 361 of the
Code. Based on the merger qualifying as a reorganization within the meaning of Section 368(a), the material United States federal
income tax consequences of the merger will be as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">no gain or loss will be recognized by ChoiceOne or County by reason of the merger;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a U.S. Holder of County common stock will not recognize gain if it exchanges its County common
stock for ChoiceOne common stock in the merger, except to the extent of any cash received in lieu of fractional shares;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">a U.S. Holder of County common stock will not recognize any loss if it exchanges its County common
stock solely for ChoiceOne common stock;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the aggregate tax basis in the ChoiceOne common stock received by a U.S. Holder in the merger will
equal the aggregate tax basis in the County common stock surrendered in the merger (reduced by the amount of any tax basis in the
County common stock surrendered that is treated as allocated to a fractional share of ChoiceOne common stock that is exchanged
for cash); and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify">the holding period for the ChoiceOne common stock received by a U.S. Holder in the merger will
include the holding period for the shares of County common stock surrendered in the merger.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white"><I>Exchange
of County Common Stock for ChoiceOne Common Stock</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white; text-indent: 0.5in">County
shareholders will exchange all of their County common stock for ChoiceOne common stock in the merger. Accordingly, shareholders
will not recognize gain or loss upon the exchange, except with respect to any cash received in lieu of fractional shares of ChoiceOne
common stock.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white"><FONT STYLE="background-color: white"><I>Receipt
of Cash In Lieu of a Fractional Share of ChoiceOne Common Stock</I></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="background-color: white">A
U.S. Holder of County common stock who receives cash in lieu of the issuance of a fractional share of ChoiceOne common stock will
generally be treated as having received such fractional share pursuant to the merger and then as having exchanged such fractional
share for cash in a redemption by ChoiceOne. Gain or loss generally will be recognized in an amount equal to the difference between
the amount of cash received instead of the fractional share and the portion of the holder's aggregate adjusted tax basis in the
County shares exchanged in the merger which is allocable to the fractional share of ChoiceOne common stock. In general, this gain
or loss will be capital gain or loss, and will be long-term capital gain or loss if, as of the effective time of the merger, the
U.S. Holder's holding period with respect to such fractional share (including the holding period of shares of County common stock
surrendered therefor) exceeds one year. The deductibility of capital losses is subject to limitations.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="background-color: white"><I></I></FONT></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><FONT STYLE="background-color: white"><I>Tax
Consequences of Special Dividend by ChoiceOne to all ChoiceOne Shareholders</I></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">As
part of the merger, the ChoiceOne board of directors expects to declare and pay a special cash dividend of $0.60 per share to
ChoiceOne shareholders prior to the effective time of the merger. It is expected that such distribution, if made, will constitute
a dividend to the extent of a shareholder's allocable share of ChoiceOne's undistributed current or accumulated earnings and profits.
Distributions treated as dividends generally will be taxable as ordinary income to you but may be treated as &quot;qualified dividend
income&quot; if certain requirements are met. In general, for a distribution by a corporation to qualify as &quot;qualified dividend
income,&quot; the shareholder receiving the distribution must have held his, her or its shares in that corporation for more than
60 days during the 121 day period beginning 60 days before the ex-dividend date for that distribution. The ex-dividend date is
the first date following the declaration of the distribution on which the purchaser of the stock is not entitled to receive the
declared distribution. Qualified dividend income received by individuals and other non-corporate shareholders is currently taxed
at the federal income tax rate for long-term capital gains, not to exceed a maximum rate of 20%.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Distributions in
excess of ChoiceOne's current or accumulated earnings and profits will represent first a return of capital for U.S. federal income
tax purposes to the extent of a ChoiceOne shareholder's tax basis in their shares of ChoiceOne common stock and thus, will generally
not be taxable to a ChoiceOne shareholder. Distributions to a ChoiceOne shareholder in excess of their tax basis in their shares
of ChoiceOne common stock and in excess of his, her or its allocable share of ChoiceOne's current or accumulated earnings and profits
will be taxable to such shareholder as capital gain. Any such capital gain will be treated as a long-term capital gain if the ChoiceOne
shareholder held his, her or its shares of ChoiceOne common stock for more than one year as of the date that such ChoiceOne shareholder
receives the distribution and will generally be subject to a reduced rate of federal income tax.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white"><I>Backup
Withholding and Information Reporting</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; background-color: white; text-indent: 0.5in">Payments
of cash to a holder of County common stock may, under certain circumstances, be subject to information reporting and backup withholding
at a rate of 24% of the cash payable to the holder, unless the holder provides proof of an applicable exemption or furnishes his,
her, or its taxpayer identification number, and otherwise complies with all applicable requirements of the backup withholding rules
or provides proof that such holder is exempt from backup withholding. Any amounts withheld from payments to a holder under the
backup withholding rules are not additional tax and will be allowed as a credit against the holder's U.S. federal income tax liability,
provided the required information is furnished to the IRS.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify; text-indent: 0.5in; background-color: white"><FONT STYLE="background-color: white">A
U.S. Holder of County common stock who receives ChoiceOne common stock as a result of the merger will be required to retain records
pertaining to the merger. The records should include the number of shares of County common stock exchanged, the number of shares
of ChoiceOne common stock received, the fair market value of the County common stock exchanged, and the holder's adjusted basis
in the ChoiceOne common stock received. Each U.S. Holder of County common stock who is required to file a U.S. federal income tax
return and who is a &quot;significant holder&quot; that receives ChoiceOne common stock in the merger will be required to file
a statement with such U.S. federal income tax return in accordance with U.S. </FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">Treasury
Regulations Section 1.368-3 sets forth such holder's basis in the County common stock surrendered and the fair market value
of the ChoiceOne common stock and cash received in the merger. A &quot;significant holder&quot; is a holder of County common stock
who, immediately before the merger, (1) owned at least 1% (by vote or value) of the outstanding stock of County or (2) owned securities
of County with a basis for U.S. federal income tax purposes of at least $1 million. </FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The preceding discussion constitutes the respective opinions of Warner Norcross + Judd LLP, as legal counsel
to ChoiceOne, and Hunton Andrews Kurth LLP, as legal counsel to County, as to the material U.S. federal income tax consequences
of the merger, as set forth in Exhibit 8.1 and 8.2 (and subject to the qualifications and assumptions therein) of the registration
statement on Form S-4, of which this joint proxy statement and prospectus forms a part.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The preceding
discussion is intended only as a summary of material U.S. federal income tax consequences of the merger. It is not a complete
analysis or discussion of all potential tax effects that may be important to a County shareholder. ChoiceOne and County have not
requested and do not intend to request any ruling from the </P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">IRS. <B>You are urged to consult your own tax advisor as to the specific
tax consequences resulting from the merger, including tax return reporting requirements, the applicability and effect of federal,
state, local and other applicable tax laws, and the effect of any proposed changes in the tax laws.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_088"></A>ACCOUNTING TREATMENT</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In accordance with
current accounting guidance, the merger will be accounted for using the purchase method. The result of this is that the recorded
assets and liabilities of ChoiceOne will be carried forward at their recorded amounts, the historical operating results will be
unchanged for the prior periods being reported on and the assets and liabilities of County will be adjusted to fair value at the
date of the merger. In addition, all identified intangibles will be recorded at fair value and included as part of the net assets
acquired. To the extent that the purchase price consideration, which is measured at the date of the effective time of the merger
and consists of the shares of ChoiceOne common stock to be issued to County shareholders and cash in lieu of any fractional shares,
exceeds the fair value of the net assets (including identifiable intangibles) of County as of the effective time of the merger,
that amount will be reported as goodwill. In accordance with current accounting guidance, goodwill will not be amortized but will
be evaluated for impairment annually or more often if necessary. Identified intangibles will be amortized over their estimated
lives. Further, the purchase accounting method results in the operating results of County being included in the consolidated financial
results of ChoiceOne beginning from the effective time of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><A NAME="a_089"></A><B>UNAUDITED
PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following pro forma condensed combined financial information combines the historical consolidated financial
position and results of operations of ChoiceOne and County, after giving effect to the merger, using the purchase method of accounting
(as described above) and giving effect to the related pro forma adjustments described in the accompanying notes. The pro forma
condensed combined balance sheet gives effect to the merger as if the transaction had become effective on March 31, 2019. The pro
forma combined income statement for the year ended December 31, 2018 and the three months ended March 31, 2019 gives effect to
the merger as if the transaction had become effective on January 1, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The pro forma condensed
combined financial information is presented for illustrative purposes only and does not indicate the financial results of the combined
company had the companies actually been combined at the beginning of the period presented, nor the impact of possible business
model changes. The pro forma condensed combined financial information, while helpful in illustrating the financial characteristics
of the combined organization under one set of assumptions, does not reflect the potential effects of changes in market conditions
on revenues, expense efficiencies, and asset dispositions, among other factors, and, accordingly, does not attempt to predict or
suggest future results. In addition, as explained in more detail in the accompanying notes, the preliminary allocation of the pro
forma purchase price reflected in the pro forma condensed combined financial information is subject to adjustment and may vary
significantly from the actual purchase price allocation that will be recorded upon completion of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne has not
performed the detailed valuation analysis necessary to determine the fair market values of County&rsquo;s assets to be acquired
and liabilities to be assumed. The pro forma adjustments included in this joint proxy statement and prospectus are subject to change
depending on changes in interest rates and the components of assets and liabilities, and as additional information becomes available
and additional analyses are performed. The final allocation of the purchase price will be determined after the merger is completed
and after completion of thorough analyses to determine the fair value of County&rsquo;s tangible and intangible assets and liabilities
as of the date the merger is completed. Increases or decreases in the fair values of the net assets as compared with the information
shown in the unaudited pro forma condensed combined financial data may change the amount of the purchase price allocated to goodwill
and other assets and liabilities, and may impact ChoiceOne&rsquo;s statement of operations due to adjustments in yield and/or amortization
of the adjusted assets or liabilities. Any changes to County&rsquo;s equity, including results of operations and certain balance
sheet changes from March 31, 2019 through the date the merger is completed, will also change the purchase price allocation, which
may include the recording of a lower or higher amount of goodwill. The final adjustments may be materially different from the unaudited
pro forma adjustments presented in this joint proxy statement and prospectus.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ChoiceOne Financial Services, Inc.
and County Bank Corp</B><BR>
<B>Unaudited Pro Forma Condensed Balance Sheet</B><BR>
<B>March 31, 2019</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>ChoiceOne</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Historical</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>County</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Historical</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Pro Forma</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Adjustments</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Pro Forma</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>ChoiceOne</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>and County</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">(Amounts in thousands, except per share data)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 41%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 13%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Assets</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Cash and cash equivalents</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">16,296</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">18,651</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(958</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) A</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">29,979</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(1,839</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) B</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(2,172</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) C</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Time deposits in other financial institutions</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">948</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">948</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Investment securities</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">174,856</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">196,645</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">371,501</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Loans held for sale</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,524</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,524</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Loans to other financial institutions</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">28,119</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">28,119</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Loans held for investment</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">402,044</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">387,395</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(1,690</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) D</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">787,749</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(4,730</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(1,690</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,690</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;E</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(4,730</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net loans</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">397,314</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">385,705</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">783,019</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Premises and equipment, net</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">16,125</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10,746</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">26,871</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Goodwill</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">13,728</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">24,267</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;F</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">37,995</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Other intangible assets</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,123</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10,175</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;G</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10,175</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(1,123</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) G</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Mortgage servicing assets</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,061</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">843</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,904</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Interest receivable and other assets</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">21,397</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22,151</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">43,548</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Total Assets</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>670,420</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>636,812</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>28,351</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>1,335,583</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Liabilities and Shareholders' Equity</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Deposits:</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Non-interest bearing</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">155,047</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">116,154</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">271,201</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Interest bearing</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">409,404</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">445,546</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">854,950</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Total deposits</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">564,451</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">561,700</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,126,151</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Interest payable and other liabilities</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,042</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,855</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,901</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;H</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6,798</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Short-term borrowings</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">20,000</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9,200</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">29,200</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Other borrowings</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">225</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">225</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Total liabilities</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">587,718</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">572,755</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,901</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,162,374</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Shareholders' Equity</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Preferred stock</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Common stock</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(8,734</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) I</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Additional paid-in capital</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">54,621</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(25,933</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) I</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">148,257</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">93,636</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;J</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Retained earnings</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">27,599</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">31,929</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(958</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) A</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">24,469</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(2,172</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) C</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(31,929</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) I</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Accumulated other comprehensive income (loss)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">482</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(2,539</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2,539</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;I</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">482</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Total shareholders' equity</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">82,702</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">64,057</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">26,450</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">173,209</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Total Liabilities and Shareholders' Equity</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>670,420</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>636,812</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>28,351</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>1,335,583</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Book value per share</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>22.85</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>36.67</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>23.98</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Tangible book value per share</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>19.06</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>35.54</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Adjusted tangible book value per share (K)</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>18.46</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>17.31</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
</TABLE>
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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center; background-color: white"><B>ChoiceOne
Financial Services, Inc. and County Bank Corp</B><BR>
<B>Unaudited Pro Forma Condensed Statement of Income</B><BR>
<B>Quarter Ended March 31, 2019</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>ChoiceOne</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Historical</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>County</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Historical</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Pro Forma</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Adjustments</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Pro Forma</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>ChoiceOne</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>and County</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">(Amounts in thousands, except per share data)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 41%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 13%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Interest income</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6,477</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6,135</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">97</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;A</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">12,493</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(48</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) B</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(168</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) C</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Interest expense</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">981</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">697</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,678</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest income</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,496</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,438</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(119</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10,815</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Provision for loan losses</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest income</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,758</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,341</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,099</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest expense</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,334</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,769</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">463</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;D</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10,489</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(77</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) E</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net income before income taxes</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,920</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2,010</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(505</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,425</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Income tax</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">283</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">294</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(106</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) F</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">471</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net income</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>1,637</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>1,716</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>(399</B></FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>2,954</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Net income per share</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.45</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.98</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.41</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.45</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.98</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.41</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Dividends per share</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.20</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.37</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.20</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Average shares outstanding</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,618,328</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,604,171</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7,222,499</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,634,048</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,604,171</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7,238,219</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 9pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>ChoiceOne Financial Services, Inc.
and County Bank Corp</B><BR>
<B>Unaudited Pro Forma Condensed Statement of Income</B><BR>
<B>Year Ended December 31, 2018</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>ChoiceOne</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Historical</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>County</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Historical</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Pro Forma</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Adjustments</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Pro Forma</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>ChoiceOne</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>and County</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">(Amounts in thousands, except per share data)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 41%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 13%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Interest income</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">24,525</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22,914</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">386</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;A</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">47,633</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(193</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) B</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(771</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) C</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Interest expense</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2,461</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,969</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,430</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest income</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22,064</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">20,945</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(578</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">42,431</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Provision for loan losses</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">35</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">35</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest income</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6,920</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,231</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">12,151</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest expense</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">20,461</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">18,040</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,850</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;D</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">39,999</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(352</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) E</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net income before income taxes</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8,488</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8,136</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(2,075</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">14,549</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Income tax</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,155</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,218</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(436</FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">) F</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,937</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Net income</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>7,333</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>6,918</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>(1,640</B></FONT></TD>
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>)</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>$</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>12,611</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Net income per share</B></FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.03</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.96</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.75</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.02</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.96</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.74</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Dividends per share</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.71</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.00</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.71</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">Average shares outstanding</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Basic</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,614,302</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,604,171</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7,218,473</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;Diluted</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,628,127</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,604,171</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7,232,298</FONT></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>NOTES TO
UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>Note 1
&ndash; Description of Transaction</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">On
March 22, 2019, ChoiceOne and County announced that they had entered into a merger agreement under which County will merge with
and into ChoiceOne, with ChoiceOne continuing as the surviving corporation. Upon completion of the merger, each share of County
common stock issued and outstanding immediately prior to the effective time of the merger will automatically be converted into
the right to receive 2.0632 shares of ChoiceOne common stock.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>Note 2
&ndash; Basis of Presentation</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">The
unaudited pro forma condensed combined financial information has been prepared using the acquisition method of accounting for business
combinations in accordance with U.S. GAAP giving effect to the merger of County with and into ChoiceOne, with ChoiceOne surviving
the merger. The unaudited pro forma condensed combined financial information is presented for illustrative purposes only and does
not necessarily indicate the financial results of the combined companies had the companies actually been combined at the beginning
of the period presented. The merger provides for the issuance of approximately 3,604,171 shares of ChoiceOne common stock based
on the number of shares of County common stock outstanding at March 22, 2019 and the 2.0632 exchange ratio in the merger pursuant
to the merger agreement. Based on ChoiceOne&rsquo;s closing stock price on March 31, 2019, the total consideration would be approximately
$93.6 million. The unaudited pro forma condensed consolidated balance sheet gives effect to the merger as if it occurred on January
1, 2019. The unaudited pro forma statement of income for the quarter ended March 31, 2019 and for the unaudited pro forma statement
of income for the year ended December 31, 2018 give effect to the merger as if it occurred on January 1, 2018.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">Under the acquisition method of accounting, the assets and liabilities of County will be recorded at the respective
fair values on the date of the closing of the merger. The pro forma allocation of purchase price reflected in the unaudited pro
forma condensed combined financial information is based on preliminary estimates and currently available information, some of which
assumptions cannot be finalized until the consummation of the merger. Adjustments may include, but not limited to, changes in (i)
County&rsquo;s balance sheet through the effective time of the merger; (ii) total merger related expenses if consummation and/or
implementation costs vary from currently estimated amounts; and (iii) the underlying values of assets and liabilities if market
conditions differ from current assumptions.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>Note 3
&ndash; Estimated Integration Costs</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">In
connection with the merger, the plan to integrate ChoiceOne&rsquo;s and County&rsquo;s operations is still being developed. Over
the next several months, the specific details of these plans will continue to be refined. ChoiceOne and County are currently in
the process of review of the two companies&rsquo; personnel, benefit plans, premises, equipment, computer systems, and service
contracts to determine where they may take advantage of redundancies or where it will be beneficial or necessary to convert to
one system. Certain decisions arising from these assessments may involve changing information systems, canceling contracts between
County and certain service providers and selling or otherwise disposing of certain premises, furniture and equipment owned by County.
Additionally, as part of the parties&rsquo; formulation of the integration plan, certain actions regarding existing ChoiceOne information
systems, premises, equipment, and supplier contracts may be taken. ChoiceOne expects to incur integration-related costs including
system conversion costs, employee retention agreements, communications to customers, and others. Such costs will be recorded based
on the nature and timing of these integration actions. Most acquisition and restructuring costs are recognized separately from
a business combination and generally will be expensed as incurred. ChoiceOne estimates the integration-related costs to be approximately
$1.9 million pre-tax and expect they will be incurred in fiscal years 2019 and 2020. These integration-related costs are not reflected
in the accompanying pro forma financial information.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>Note 4
&ndash; Estimated Annual Cost Savings</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 22.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">ChoiceOne
expects to realize cost savings from the merger. These cost savings are not reflected in the unaudited pro forma condensed consolidated
financial information. While any cost savings achieved would have a positive effect on the condensed consolidated financial information,
there can be no assurance they will be achieved.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B>Note 5 &ndash;
Pro Forma Merger Adjustments</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">The
following pro forma adjustments have been reflected in the unaudited pro forma condensed combined financial information. All adjustments
are based on current assumptions and valuations, which are subject to change.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><B><U>Balance
Sheet</U></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">A</TD>
    <TD STYLE="width: 98%; text-align: justify; line-height: 115%">Record ChoiceOne&rsquo;s estimated transaction expenses, net of ChoiceOne&rsquo;s current tax rate.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">B</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Record County's estimated transaction expenses, net of County&rsquo;s current tax rate (pre closing).</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">C</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Cash and retained earnings of ChoiceOne have been reduced to reflect the proposed $0.60 per share special dividend by ChoiceOne to its shareholders at an estimated total amount of $2.2 million which is anticipated to occur prior to the date of closing of the merger.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">D</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Based on ChoiceOne&rsquo;s initial evaluation of the acquired loan portfolio, a fair value adjustment of $1.7 million was recorded as a credit adjustment.&nbsp;&nbsp;This reflected a credit mark of $2.3 million reduced by County&rsquo;s current purchase accounting adjustment of $0.6 million.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">E</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The allowance for loan losses is adjusted to reflect the reversal of County&rsquo;s recorded allowance for loan losses.&nbsp;&nbsp;Purchased loans acquired in a business combination are required to be recorded at fair value and the recorded allowance for loan losses may not be carried over.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">F</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Goodwill of $24.3 million is expected to be generated as a result of the total purchase price and net assets acquired.&nbsp;&nbsp;(See &quot;Preliminary Purchase Accounting Allocation&quot; below for the allocation of the purchase price to net assets acquired&quot;).&nbsp;&nbsp;The adjustment has no impact on the Unaudited Pro Forma Condensed Consolidated Statement of Income.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">G</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Based on ChoiceOne's initial evaluation of core deposits, the identified estimated core deposit intangible of $10.2 million will be amortized on an accelerated basis over an estimated useful life of ten years.&nbsp;&nbsp;The amortization expense associated with the core deposit intangible is expected to result in an increase to noninterest expense of $1.9 million in the first year following the merger.&nbsp;&nbsp;The current core deposit intangible of $1.1 million on the balance sheet of County will be eliminated in purchase accounting.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">H</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Other liabilities have been adjusted to record $1.9 million of estimated deferred tax liability resulting from the recording of the assets and liabilities of County using ChoiceOne&rsquo;s statutory federal tax rate of 21%.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">I</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Common stock, additional paid-in capital, retained earnings, and accumulated other comprehensive income were adjusted to reverse County&rsquo;s historical shareholders' equity balances to reflect the consideration to be paid, estimated at $93.6 million.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">J</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Record issuance of 3,604,171 shares of ChoiceOne's common stock in connection with the transaction having an estimated value of $93.6 million.&nbsp;&nbsp;The share price used was as of March 31, 2019.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">K</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Tangible book value per share was adjusted for the proposed $0.60 per share special cash dividend to be paid by ChoiceOne to its shareholders prior to the closing of the merger.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white"><B><U>Income
Statement</U></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">A</TD>
    <TD STYLE="width: 98%; text-align: justify; line-height: 115%">The increase in interest income from the estimated impact of the accretion of the loan purchase accounting adjustment.&nbsp;&nbsp;The loan accretion is expected to be recognized over a period of approximately 6 years on a straight line basis.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">B</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The decrease in interest income from the estimated amortization of the investment portfolio purchase accounting adjustment. The investment securities amortization accretion is expected to be recognized over a period of approximately 5 years on a straight line basis.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">C</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The decrease in interest income from the elimination of the accretion of County's loan purchase accounting adjustment.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">D</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The increase in noninterest expense from the estimated amortization of ChoiceOne&rsquo;s core deposit intangible established as a result of the transaction.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">E</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The decrease in noninterest expense from the elimination of the amortization of County's actual core deposit intangible.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">F</TD>
    <TD STYLE="text-align: justify; line-height: 115%">The tax effect at ChoiceOne&rsquo;s statutory federal tax rate of 21% related to the net impact of the adjustments noted in items A through E above.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white">&nbsp;</P>



<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white"><B>Note
6 &ndash; Preliminary Purchase Accounting Allocation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 13.5pt; text-align: justify; text-indent: -13.5pt; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in; background-color: white">Below
is a reconciliation between the purchase price net assets acquired and the resultant goodwill.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="text-align: center; line-height: 115%">(Dollars in Thousands)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 70%; text-align: justify; line-height: 115%"><B><I>Pro Forma Purchase Price:</I></B></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">County shares outstanding at March 31, 2019</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Price per share of County</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">53.60</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Aggregate pro forma value of ChoiceOne stock to be issued</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">93,636</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">93,636</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%"><B><I>Net Assets Acquired:</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Cash and cash equivalents</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">16,812</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">948</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Investment securities</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">196,645</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Net loans</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">385,705</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Premises and equipment</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">10,746</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Other intangible assets</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">10,175</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Mortgage servicing rights</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">843</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Other assets</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">20,250</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets acquired</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">642,124</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Total deposits</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">561,700</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Interest payable and other liabilities</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1,855</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Short-term borrowings</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">9,200</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities assumed</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">572,755</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">69,369</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Net assets acquired</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">69,369</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Preliminary pro forma goodwill created</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: justify; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">24,267</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"></P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_090"></A>COMPARISON OF RIGHTS OF SHAREHOLDERS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne and
County are Michigan corporations subject to the Michigan Business Corporation Act (the &quot;MBCA&quot;). The rights of ChoiceOne
shareholders are governed by the MBCA and ChoiceOne's restated articles of incorporation, as amended (&quot;ChoiceOne Articles&quot;),
and bylaws, as amended (&quot;ChoiceOne Bylaws&quot;). The rights of County shareholders are governed by the MBCA and County's
articles of incorporation, as amended (&quot;County Articles&quot;) and bylaws, as amended (&quot;County Bylaws&quot;). After the
merger, the rights of County's shareholders who become ChoiceOne shareholders will be governed by the MBCA, the ChoiceOne Articles
and the ChoiceOne Bylaws.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>The following
discussion is a summary of the current rights of County and ChoiceOne shareholders. While this summary includes the material differences
between the two, this summary may not contain all of the information that is important to you. You should carefully read this entire
joint proxy statement and prospectus, the relevant provisions of the MBCA and the other governing documents that are referenced
in this joint proxy statement and prospectus for a more complete understanding of the differences between being a shareholder of
County and a shareholder of ChoiceOne.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_091"></A>Authorized Capital Stock</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles authorize ChoiceOne to issue up to 7,000,000 shares of common stock, no par value, and 100,000 shares of
preferred stock, no par value. If the proposed amendment to the ChoiceOne Articles under Proposal 2 is approved by the ChoiceOne
shareholders, as of the effective time of the merger, the ChoiceOne Articles will authorize ChoiceOne to issue up to 12,000,000
shares of ChoiceOne common stock. The proposed amendment does not affect the authorized number of shares of ChoiceOne preferred
stock. As of the record date, there were 3,632,917 shares of ChoiceOne common stock outstanding, and no shares of ChoiceOne
preferred stock outstanding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County.</I>&nbsp;The
County Articles authorize County to issue up to 3,000,000 shares of common stock, par value $5.00 per share. As of the record
date, there were 1,746,884 shares of County common stock outstanding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_092"></A>Issuance of Additional Shares</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne.&nbsp;</I>ChoiceOne's
board of directors may authorize the issuance of additional shares of common stock up to the amounts authorized in the ChoiceOne
Articles without shareholder approval, subject only to the restrictions of the MBCA and the ChoiceOne Articles.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne's board
of directors may, at any time and from time to time, provide for the issuance of shares of preferred stock, in one or more series,
up to the amounts specified in the ChoiceOne Articles without shareholder approval, subject only to the restrictions of the MBCA
and the ChoiceOne Articles.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County.</I>&nbsp;County's
board of directors may authorize the issuance of additional shares of common stock up to the amounts authorized in the County Articles
without shareholder approval, subject only to the restrictions of the MBCA and the County Articles.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_093"></A>Number and Classification of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles provide that ChoiceOne's board of directors must consist of at least nine directors, but not more than fifteen
directors. If the proposed amendment to the ChoiceOne Articles under Proposal 3 is approved, this provision will be deleted from
the ChoiceOne Articles and the number of directors will be as provided in the ChoiceOne Bylaws. The ChoiceOne Bylaws provide that
the number of directors is determined from time to time by the board of directors. The ChoiceOne board of directors is divided
into three classes. Each class of directors is as equal as possible in number and serves for a three-year term of office. The term
of office of one class of directors expires at the annual meeting of shareholders each year. ChoiceOne's board of directors currently
consists of nine directors. Following the effective time of the merger, ChoiceOne's board will consist of fourteen directors, comprised
of seven ChoiceOne designees and seven County designees.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Bylaws provide that County's board of directors must consist of at least five directors, but not more than 25 directors.
The exact number of directors may be modified from time to time by an 80% vote of the board of directors. County's board of directors
currently consists of fourteen directors. The County board of directors is divided into three classes. Each class of directors
is as equal as possible in number and serves for a three-year term of office. The term of office of one class of directors expires
at the annual meeting of shareholders each year.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_094"></A>Election of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
One class of ChoiceOne's directors is elected each year, to hold office for a three-year term (or until their respective successors
are elected and qualified, or until their respective resignation or removal). ChoiceOne's directors are elected by a plurality
of the votes cast.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. One
class of County's directors is elected each year, to hold office for a three-year term (or until their respective successors are
elected and qualified, or until their respective resignation or removal). County's directors are elected by a plurality of the
votes cast.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_095"></A>Nomination of Director Candidates
by Shareholders</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles provide that a shareholder of record entitled to vote in an election of directors may nominate a person
for election to the ChoiceOne board by delivering, not less than 120 days prior to the annual meeting, and not more than seven
days following the date of notice of a special meeting called for election of directors, a notice to the Secretary of ChoiceOne
setting forth: (a) the nominee's name, age, business address and residence address; (b) the nominee's the principal occupation
or employment; (c) the number of shares of capital stock of ChoiceOne that are beneficially owned by the nominee; (d) a statement
that such nominee is willing to be nominated and serve; and (e) such other information concerning such nominee as would be required
under the rules of the Securities and Exchange Commission in a proxy statement soliciting proxies for the election of such nominee.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. A
County shareholder may nominate an individual for election as a director by providing notice in writing to the Secretary of County
not earlier than 120 days and not later than 90 days prior to the anniversary of the preceding year's annual meeting or, in the
event that the date of the annual meeting is more than 30 days before or more than 60 days after such anniversary, notice must
be delivered not earlier than the close of business on the 120th day prior to the date of such annual meeting and not later than
the close of business on the later of the 90th day prior to the date of such annual meeting, or the announcement thereof, or, if
the first public announcement of the date of such annual meeting is less than 100 days prior to the date of such annual meeting,
the 10th day following the day on which public announcement of the date of such meeting is first made by County. For special meetings
called for election of directors, the notice must be provided to the County Secretary not earlier than the close of business on
the 120th day prior to the date of such special meeting and not later than the close of business on the later of the 90th day prior
to the date of such special meeting or, if the first public announcement of the date of such special meeting is less than 100 days
prior to the date of such special meeting, the 10th day following the day on which public announcement is first made or the date
of the special meeting. The notice must set forth: (a) the name and address of the nominee; (b) the principal occupation of the
nominee for the last five years and certain information about the nominee's expertise and qualifications; (c) familial relationships
with other directors or officers of County or its subsidiaries; (d) a description of all arrangements and understandings between
the nominee and any other person pursuant to which the nominee was or is to be selected as a nominee; (e) involvement in any material
legal proceedings during the last five years; (f) other directorships currently held or held during the past five years with certain
entities; (g) written consent to being named as a nominee and serving as a director, if elected; (h) any direct or indirect interest
in any principal competitor of County or its subsidiaries; (i) a description of all direct and indirect compensation and monetary
agreements during the past three years with the nominee and its affiliates; and (j) certain additional information.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_096"></A>Removal of Directors</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles provide that a ChoiceOne director may be removed before the end of a term only for cause and only by vote
of the holders of a majority of the shares entitled to vote at an election of</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">directors. The ChoiceOne Bylaws provide for a director's
mandatory retirement from the board of directors at 70 years of age. Effective as of the effective time of the merger, the ChoiceOne
board of directors will amend the ChoiceOne Bylaws to provide that the age for mandatory retirement from the board of directors
is 72 years of age.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Articles provide that a County director may be removed only for cause and only by vote of the holders of at least 66 2/3%
of the shares entitled to vote at an election of directors.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_097"></A>Indemnification of Directors, Officers
and Employees</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles provide that ChoiceOne will indemnify, to the fullest extent permitted by the MBCA, directors or executive
officers of ChoiceOne against claims arising out of their service to ChoiceOne, a subsidiary of ChoiceOne, or another organization
at the request of ChoiceOne or a subsidiary of ChoiceOne. The ChoiceOne Bylaws additionally provide that ChoiceOne may indemnify
other persons who serve or served as a director, officer, employee, or agent of ChoiceOne or who have served at the request of
ChoiceOne as a director, officer, partner, trustee, employee, or agent of another foreign or domestic corporation, partnership,
joint venture, trust or other enterprise.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Bylaws provide that County will indemnify, to the fullest extent permitted by the MBCA, its present and past directors,
officers, employees, and agents, and such other persons as it is permitted to indemnify under the terms of, and subject to the
limitations of, the MBCA.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_098"></A>Shareholder Proposals</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Bylaws provide that a shareholder may propose a shareholder action at an annual or special meeting of shareholders
by giving notice of the matter in writing to the Secretary of ChoiceOne. The notice must be delivered to or mailed to and received
at the principal executive offices of ChoiceOne (a) in the case of an annual meeting, not less than 120 calendar days prior to
the date corresponding to the date of ChoiceOne's proxy statement or notice of meeting released to shareholders in connection with
the last preceding annual meeting of shareholders (unless ChoiceOne did not hold an annual meeting within the last year, or if
the date of the upcoming annual meeting changed by more than 30 days from the date of the last preceding meeting, then the notice
must be delivered or mailed and received not more than seven days after the earlier of the date of the notice of the meeting or
public disclosure of the date of the meeting), and (b) in the case of a special meeting, not more than seven days after the earlier
of the date of the notice of the meeting or public disclosure of the date of the meeting. The notice by the shareholder must include:
(i) a brief description of the matter the shareholder desires to present for shareholder action; (ii) the name and record address
of the shareholder proposing the matter for shareholder action; (iii) the class and number of shares of ChoiceOne that are beneficially
owned by the shareholder; and (iv) any material interest of the shareholder in the matter proposed for shareholder action.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Bylaws provide that a shareholder may propose a shareholder action at an annual or special meeting of the shareholders provided
the shareholder satisfies certain requirements and (a) is a shareholder of record at the time of giving of notice of such meeting
by the board of directors and at the time of the meeting; (b) is entitled to vote at such meeting; and (c) complies with the procedures
for providing notice of shareholder proposals. In order for the shareholder notice to be proper, it must be provided in substantially
the same manner in which notice of director nominations are provided. The section above entitled &quot;Nomination of Director Candidates
by Shareholders&quot; offers a summary of this process.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_099"></A>Special Meetings of Shareholders</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Bylaws provide that a special meeting of shareholders may be called by ChoiceOne's board of directors, the Chairman
of the board of directors, the President or by shareholders holding, in the aggregate, not less than 10% of all shares entitled
to vote. A written instrument setting forth the date and purposes of the meeting must be signed by an officer or director on behalf
of the board of directors, the chairperson, the President, or by holders of a sufficient number of shares and delivered to ChoiceOne's
President or Secretary.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Bylaws provide that a special meetings of shareholders may be called by the board of directors or by any three or more shareholders
owning, in the aggregate, not less than 20% of all shares entitled to</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">vote. The special meeting will be held at such place, on
such date, and at such time as the board of directors shall fix.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_100"></A>Shareholder Action Without a Meeting</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Bylaws provide that any action required or permitted to be taken at a meeting of the ChoiceOne shareholders may be
taken without a meeting, without prior notice, and without a vote if all the shareholders entitled to vote at the meeting consent
in writing.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. Under
the MBCA, any action required or permitted to be taken at a meeting of the County shareholders may be taken without a meeting,
without prior notice, and without a vote if all the shareholders entitled to vote at the meeting consent in writing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_101"></A>Amendment of Articles of Incorporation
and Bylaws</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles may be amended by the affirmative vote of the holders of a majority of the outstanding ChoiceOne shares
entitled to vote, except that certain provisions of the ChoiceOne Articles related to directors, interested party transactions,
business combinations and tender or exchange offers, and amendment of the ChoiceOne Articles may be amended only by the affirmative
vote of at least 66 2/3% of the outstanding ChoiceOne shares entitled to vote. The ChoiceOne Bylaws may be amended by the affirmative
vote of a majority of the board of directors or by the affirmative vote of the holders of a majority of the outstanding ChoiceOne
shares entitled to vote.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Articles may be amended by the affirmative vote of the holders of a majority of the outstanding County shares entitled to
vote, except that certain provisions of the County Articles related to business combinations, board of director composition, removal
of directors, and amendment of the County Articles may be amended only by the affirmative vote of the holders at least 80% of the
outstanding County shares entitled to vote. The County Bylaws may be amended by the affirmative vote of 80% of the board of directors.
The County Bylaws may also be amended by the affirmative vote of the holders of a majority of the outstanding County shares entitled
to vote, unless the provision proposed for amendment was previously amended or repealed by the board of directors, in which case
amendment by the shareholders requires the affirmative vote of the holders at least 66 2/3% of the outstanding County shares entitled
to vote.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><A NAME="a_102"></A>Business Combination Restrictions
and Other Shareholder Limitations</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>ChoiceOne</I>.
The ChoiceOne Articles include certain provisions related to business combinations with a person who owns 10% or more of the outstanding
ChoiceOne stock or who is an affiliate who in the past two years owned 10% or more of the outstanding ChoiceOne stock. Such business
combinations require approval by the affirmative vote of at least 66 2/3% of the outstanding ChoiceOne stock (other than stock
held by certain related persons involved in such business combination). However, approval by the affirmative vote of only a majority
of the outstanding ChoiceOne stock is required if the business combination has been approved by a vote of a majority of disinterested
directors or if payment to shareholders in connection with the business combination is solely in cash and certain additional conditions
are met.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>County</I>. The
County Articles provide that the affirmative vote of the holders of not less than 80% of the outstanding County common stock shall
be required for the approval of certain business combinations with the beneficial owner of 10% or more of the outstanding County
common stock or any affiliate of such person, and certain business combinations in which any such person has an interest. However,
approval by the affirmative vote of only a majority of the outstanding County common stock is required if the business combination
has been approved by two-thirds of the Continuing Directors (as defined in the County Articles) or if certain other conditions
are met.</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_103"></A><B>INFORMATION ABOUT COUNTY</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is a Michigan corporation
that owns all of the outstanding shares of common stock of Lakestone Bank, a Michigan state member bank formed in 1902, with operational
headquarters in Lapeer, Michigan and branches located in Almont, Armada, Attica, Capac, Fostoria, Emmett, Imlay City, Memphis,
Metamora and Yale, Michigan. Lakestone Bank offers full commercial and consumer banking services to customers throughout eastern
and central Michigan. Lakestone Bank also has a loan office in Port Huron, Michigan and a wealth management center in Lapeer, Michigan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's principal
executive offices are located at 83 West Nepessing Street, Lapeer, Michigan 48446, and its telephone number at that location is
(810) 664-2977. Additional information about County and its subsidiaries is included in documents incorporated by reference in
this document. See the section of this document entitled &quot;Where You Can Find More Information,&quot; beginning on page 130.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_104"></A>Information about County's Business</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>General</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County was incorporated
as a Michigan corporation in 1988 to serve as a bank holding company for Lakestone Bank. County does not conduct any material operations
at the holding company level other than activities it performs for Lakestone Bank. Its primary activities are to provide assistance
in the management and coordination of Lakestone Bank's financial resources. County's principal asset is the outstanding common
stock of Lakestone Bank. County derives its revenues primarily from the operations of Lakestone Bank in the form of dividends received
from Lakestone Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank is a Michigan
state member bank chartered in 1902, and has served since that time as a community-based financial institution with operations
centered in Lapeer, Michigan and the surrounding areas.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As a bank holding company,
County is subject to supervision and regulation by the Federal Reserve Board, in accordance with the requirements set forth in
the Bank Holding Company Act of 1956, as amended, and by the rules and regulations issued by the Federal Reserve Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of March&nbsp;31, 2019,
County, on a consolidated basis, had total assets of $636.8 million, total loans of $387.4 million, total deposits of $561.7 million
and shareholders' equity of $64.1 million.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Products and Services </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank is a traditional commercial bank offering a variety of banking services to consumer and commercial
customers throughout central and eastern Michigan. Lakestone Bank offers a range of lending services, including real estate, commercial
and consumer loans to individuals and small- to medium-sized business and professional firms that are located in or conduct a substantial
portion of their business in Lakestone Bank's market areas. Lakestone Bank's results of operations can be significantly affected
by changes in interest rates or changes in the automotive and other manufacturing industries which comprise a significant portion
of the local economic environment. Real estate loans offered by Lakestone Bank are secured by first or second mortgages on the
subject collateral, and often relate to owner-occupied office and retail buildings. Commercial loans offered include loans to small-
and medium-sized businesses for the purpose of purchasing equipment, inventory, facilities or for working capital. Consumer loans
offered include loans for the purpose of purchasing automobiles, recreational vehicles, personal residences, household goods, home
improvements and other personal expenses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank offers depository
services and various checking account services. Lakestone Bank also offers commercial treasury management services, safe deposit
boxes, debit card services, merchant bank card services, wire transfer services, cashier's checks, telephone banking, internet
banking, direct deposit and automatic transfers between accounts. Lakestone Bank has ATMs at most of its locations. Lakestone Bank's
business is not seasonal in any material respect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank funds its
lending activities primarily from its core deposit base. Lakestone Bank obtains deposits from its local markets and is not heavily
dependent on any single depositor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Competition </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Each activity in which
Lakestone Bank is engaged involves competition with other banks, as well as with nonbanking financial institutions and nonfinancial
enterprises. In addition to competing with other commercial banks within and outside its primary market area, Lakestone Bank competes
with other financial institutions engaged in the business of making loans or accepting deposits, such as savings and loan associations,
credit unions, industrial loan associations, insurance companies, small loan companies, financial companies, mortgage companies,
real estate investment trusts, certain governmental agencies, credit card organizations and other enterprises. Banks and other
financial institutions with which Lakestone Bank competes may have capital resources and legal loan limits substantially higher
than those maintained by Lakestone Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Employees </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt">As of March&nbsp;31, 2019,
Lakestone Bank had 128 full-time employees and 29 part-time employees, none of whom are covered by a collective bargaining agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_105"></A>Information about County's Properties</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank owns its
main office, which is located at 83 West Nepessing Street, Lapeer, MI 48446. Lakestone Bank also owns its branches located
at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">5515 Van Dyke, Almont, MI 48003</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">72890 North Avenue, Armada, MI 48005</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">4515 Imlay City Road, Attica, MI 48412</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">206 North Main Street, Capac, MI 48014</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">30 West Burnside Road (M-24), Fostoria, MI 48435</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">5508 Davison Road, Lapeer, MI 48446</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">3177 Main Street, Emmett, MI 48022</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">1875 South Cedar Street, Imlay City, MI 48444</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">81111 Main Street, Memphis, MI 48041</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">3414 South Lapeer Road, Metamora, MI 48455</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">637 South Main Street, Lapeer, MI 48446</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.75in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font: 10pt Symbol">&middot;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">3 North Main Street, Yale, MI 48097.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank also owns its wealth management center located at 1175 S. Lapeer Road, Lapeer, MI 48446, and
leases its loan office located at 609 A, Huron Ave., Port Huron, MI 48060.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><A NAME="a_105a"></A>Executive Compensation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I></I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Summary of Executive Compensation</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following
table shows certain information concerning the compensation earned by Mr. Cady and Mr. Burke during the fiscal years ended December
31, 2017 and December 31, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SUMMARY COMPENSATION TABLE</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 21%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Name
    and<BR>
    Principal<BR>
    Position</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 5%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Year</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Salary<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Bonus</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Stock<BR>
    Awards</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Option<BR>
    Awards</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Non-Equity<BR>
    Incentive<BR>
    Plan<BR>
    Compensa-<BR>
    tion</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Nonqualified<BR>
    Deferred<BR>
    Compensa-<BR>
    tion<BR>
    Earnings<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>All
    Other<BR>
    Compensa-<BR>
    tion<SUP>(3)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Total</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Bruce J. Cady</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">2018</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;302,149</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;66,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;85,779</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;50,399</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;500,327</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chief<BR>
    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive<BR>
    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Officer and<BR>
    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chairman</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">2017</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;277,995</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;50,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;78,419</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;43,130</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;449,545</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Michael J. Burke</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">2018</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;242,885</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;51,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;13,424</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;49,814</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;357,123</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;President
    and<BR>
    &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt">2017</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;214,999</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;35,000</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;22,788</FONT></TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;39,077</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$&nbsp;311,865</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; line-height: 115%"><SUP>(1)</SUP></TD>
    <TD STYLE="width: 95%; text-align: justify; line-height: 115%">The amount reported includes directors' fees paid in cash
    to each of Mr. Cady and Mr. Burke.&nbsp;&nbsp;For 2018 and 2017 Mr. Cady's directors fees paid in cash were $26,000 and $15,000,
    respectively.&nbsp;&nbsp;For 2018 and 2017 Mr. Burke's directors fees paid in cash were $27,500 and $15,000, respectively.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><SUP>(2)</SUP></TD>
    <TD STYLE="text-align: justify; line-height: 115%">The amount reported includes amounts contributed to supplemental executive
    retirement plan and director retirement plan accounts on behalf of each of Mr. Cady and Mr. Burke.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><SUP>(3)</SUP></TD>
    <TD STYLE="text-align: justify; line-height: 115%">The amounts reported in this column consist of the following for 2018:</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Name</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>401(k)<BR>
    Match</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Profit<BR>
    Sharing<BR>
    Contribution</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Auto</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Total</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 17%; text-align: justify; line-height: 115%">Bruce J. Cady</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 8%; border-top: Black 1pt solid; text-align: right; line-height: 115%">2,002</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 10%; border-top: Black 1pt solid; text-align: right; line-height: 115%">37,776</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 7%; border-top: Black 1pt solid; text-align: right; line-height: 115%">10,621</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="width: 7%; border-top: Black 1pt solid; text-align: right; line-height: 115%">50,399</TD>
    <TD STYLE="width: 38%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Michael J. Burke</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">2,750</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">37,776</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">9,288</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">49,814</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Compensation Overview</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Cady entered
into an employment agreement with County as of February 18, 2016 that provides for an annual salary of $250,935 with eligibility
for annual raises, five weeks of paid vacation per calendar year, an automobile for use, and eligibility for all benefit plans
and programs generally available to employees of County. Mr. Cady's employment agreement also provides for severance and change
in control benefits. If Mr. Cady's employment is terminated by County without cause, by Mr. Cady for good reason, or by Mr. Cady
within 90 days after a change of control of County (each of cause, good reason, and change of control as defined in the employment
agreement), Mr. Cady is entitled to all accrued obligations, cash severance equal to Mr. Cady's current base salary paid in accordance
with normal payroll practices for a period of two (2) years, and up to 12 months of equivalent medical, dental, and life insurance
coverage as was in effect immediately prior to termination. In connection with the closing of the merger, Mr. Cady has entered
into a transition agreement with ChoiceOne which will become effective as of the effective time of the merger and which will supersede
Mr. Cady's employment agreement with County and the severance and change in control payments thereunder. Under the transition
agreement, Mr. Cady will be entitled to an annualized salary of $304,321 and he will be eligible to participate in the fringe
benefit programs available to ChoiceOne employees generally. Mr. Cady will not be eligible for any bonus, incentive or equity
plans sponsored by ChoiceOne. Upon termination of the transition agreement, Mr. Cady will receive a severance payment equal to
$608,642 and a payment equal to 12 times the monthly cost of health care continuation </P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">(these benefits amounts are intended to
replace the change in control benefits that would have been due Mr. Cady upon his voluntary termination under his employment agreement).
Mr. Cady's transition agreement expires on December 31, 2019. In addition to his County employment agreement, Mr. Cady is party
to a supplemental executive retirement agreement which is to pay him $30,000 annually for a period of fifteen years upon his reaching
normal retirement age, or a lump sum payment of the total accrual balance upon a change in control. The accrual balance is the
liability amount due under the supplemental executive retirement agreement and set forth in the financial statements of County,
determined in accordance with generally accepted accounting principles. Mr. Cady also participates in the Director Retirement
Plan wherein beginning the year after Mr. Cady turns 70 he will receive a lump sum payment of his deferral account balance, or
upon a change in control he will receive the deferral account balance within 30 days following the change in control. The Director
Retirement Plan is explained further under the Director Compensation section below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Burke entered
into an employment agreement with County as of February 18, 2016 that provides for a salary of $200,000 with eligibility for annual
raises, five weeks of paid vacation per calendar year, and an automobile for use. Under the employment agreement, Mr. Burke is
eligible for all the benefit plans and programs generally available to employees of County. Mr. Burke's employment agreement also
provides for severance and change in control benefits. If Mr. Burke's employment is terminated by County without cause, by Mr.
Burke for good reason, or by Mr. Burke within 90 days after a change of control of County (each of cause, good reason, and change
of control as defined in the employment agreement), Mr. Burke is entitled to all accrued obligations as well as cash severance
equal to Mr. Burke's current base salary paid in accordance with normal payroll practices for a period of two (2) years and up
to 12 months of equivalent medical, dental, and life insurance coverage as was in effect immediately prior to his termination.
In connection with the closing of the merger, Mr. Burke has entered into an employment agreement with ChoiceOne, which will become
effective as of the effective time of the merger and will supersede Mr. Burke's existing employment agreement with County in its
entirety. Mr. Burke's employment agreement with ChoiceOne contains an annual salary of $310,000, eligibility for annual bonuses,
eligibility for equity plans (including an initial award that will become fully vested if Mr. Burke leaves employment before December
31, 2020), paid time off of at least 30 days per calendar year, participation in fringe benefit programs available to ChoiceOne
employees generally, reimbursement of business expenses, and a $250,000 transition bonus (with an additional $250,000 payment
if Mr. Burke voluntarily leaves employment without good reason before December 31, 2020). In addition to his County employment
agreement, Mr. Burke is also party to a supplemental executive retirement agreement which is to pay him $10,000 annually for a
period of fifteen years upon reaching normal retirement age, or a lump sum payment of the total accrual balance upon a change
in control. The accrual balance is the liability amount due under the supplemental executive retirement agreement and set forth
in the financial statements of County, determined in accordance with generally accepted accounting principles. Mr. Burke also
participates in the Director Retirement Plan wherein beginning the year after Mr. Burke turns 70 he will receive a lump sum payment
of his deferral account balance, or upon a change in control he will receive the deferral account balance within 30 days following
the change in control. The Director Retirement Plan is explained further under the Director Compensation section below.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Outstanding Equity Awards at Fiscal Year-End</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The outstanding equity awards at
fiscal year-end table has been omitted as there is no required information to be disclosed for the fiscal year ended December
31, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Director Compensation</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Mr. Cady and
Mr. Burke serve as directors but their respective fees and director retirement plan contributions are reflected in their fiscal
year 2018 salary and nonqualified deferred compensation earnings entries as detailed in the Summary Compensation Table.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">During 2018,
County compensated its directors with a retainer of $2,000 for the Chairperson and $2,000 for each other director. The chairs
of the Compensation Committee and Insurance Committee each received an additional annual retainer of $1,000 and the chair of the
Audit Committee received an additional annual retainer of $3,000. County directors received $1,500 per Board of Directors meeting
attended.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County sponsors a Director Retirement
Plan for the benefit of its directors. Under the Director Retirement Plan, on or around the end of each calendar year, County
credits to each director who has completed participation paperwork with the following amount: A pro rata portion of five percent
(5%) of County's net income for that calendar year, up to a maximum annual contribution of $10,000 for each participating director.
For example, if County's net income was $1,000,000, the contribution formula for each participating director would be as follows:
($1,000,000 x 5%) = $50,000 &divide; 14 = $3,571.43 (not to exceed $10,000). Additionally, interest is credited to each participating
director's account balance at a crediting rate which is equal to the 36-month Moody's average AA corporate bond rate plus one
percent (1%). Such interest is compounded monthly. Contributions to director accounts cease when the director is no longer serving
on the board.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B><I>Merger-Related Compensation for County's Executive
Officers</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following
table sets forth the information required by Item&nbsp;402(t) of Regulation S-K promulgated by the SEC regarding certain compensation
that County&rsquo;s executive officers may receive that is based on or that otherwise relates to the merger. The amounts indicated
below are estimates based on multiple assumptions that may or may not actually occur or be accurate on the effective date of the
merger, including assumptions described below, and do not reflect certain compensation actions that may occur before the completion
of the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 23%; border-bottom: Black 1pt solid; line-height: 115%"><FONT STYLE="line-height: 93%"><B><BR>
    <BR>
    Name</B></FONT></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B><BR>
    <BR>
    Cash ($)<SUP>(1)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B><BR>
    Equity<BR>
    ($)<SUP>(2)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B>Pension/<BR>
    NQDC<BR>
    ($)<SUP>(3)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B>Perquisites/<BR>
    Benefits<BR>
    ($)<SUP>(4)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B>Tax<BR>
    Reimburse-<BR>
    ments($)</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B><BR>
    Other<BR>
    ($)<SUP>(5)</SUP></B></FONT></TD>
    <TD STYLE="width: 1%; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="line-height: 93%"><B><BR>
    Total<BR>
    ($)</B></FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="line-height: 93%">Bruce Cady</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;608,642</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;10,899</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;10,000</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;629,541</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; line-height: 115%"><FONT STYLE="line-height: 93%">Mike Burke</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;500,000</FONT></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt; line-height: 93%">&mdash;</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;10,000</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="line-height: 93%">$&nbsp;510,000</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 5%; line-height: 115%"><SUP>(1)</SUP></TD>
    <TD STYLE="width: 95%; text-align: justify; line-height: 115%">Pursuant to each of Mr. Cady's and Mr. Burke's employment
    agreements with County, upon a change in control each executive is entitled to continued payment of his base salary for a
    period of two years upon his voluntary or involuntary termination.&nbsp;&nbsp;However, Mr. Cady entered a transition agreement
    with ChoiceOne that supersedes his employment agreement effective as of the effective date of the merger wherein Mr. Cady
    is to receive severance of $608,642 upon termination of the transition agreement (i.e., December 31, 2019).&nbsp;&nbsp;Mr.
    Burke entered an employment agreement with ChoiceOne that supersedes his employment agreement with County effective as of
    the effective date of the merger wherein Mr. Burke is to receive a transition bonus of $250,000 and an additional $250,000
    payment if Mr. Burke voluntarily terminates on or before December&nbsp;31, 2020.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><SUP>(2)</SUP></TD>
    <TD STYLE="text-align: justify; line-height: 115%">No stock awards are allocated to either of Messrs. Cady or Burke.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><SUP>(3)</SUP></TD>
    <TD STYLE="text-align: justify; line-height: 115%">Each of Mr. Cady and Mr. Burke participates in a supplemental executive
    retirement agreement and the Director Retirement Plan; however, there are no compensation benefit enhancements for either
    executive under these arrangements as a result of the merger.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><SUP>(4)</SUP></TD>
    <TD STYLE="text-align: justify; line-height: 115%">Pursuant to Mr. Cady's transition agreement with ChoiceOne, which supersedes
    his employment agreement as of the effective date of the merger, Mr. Cady is entitled to a payment equal to 12 times the monthly
    cost of health care continuation under County's health plan.&nbsp;&nbsp;Mr. Cady's employment agreement contains a similar
    provision that would have been trigged upon his voluntary or involuntary termination after the merger.&nbsp;&nbsp;Mr. Burke's
    employment agreement with County contains a provision for health care continuation upon a future change in control (not including
    the merger), however, Mr. Burke will not receive a health care continuation payment as a result of the merger because he is
    to remain employed under the ChoiceOne employment agreement.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%"><SUP>(5)</SUP></TD>
    <TD STYLE="text-align: justify; line-height: 115%">According to the terms of the merger, County may pay to each active
    participant of the Director Retirement Plan up to $10,000 in lieu of a contribution/accrual for 2019.&nbsp;&nbsp;As active
    participants of the Director Retirement Plan, Mr. Cady and Mr. Burke will be eligible for such a payment.&nbsp;&nbsp;The Director
    Retirement Plan will terminate as of the effective time of the merger and a year 2019 contribution/accrual will not be made
    to active participant accounts.&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_106"></A>COUNTY'S
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND<BR>
RESULTS OF OPERATIONS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>The following
discussion and analysis is intended to provide an overview of the significant factors affecting the financial condition and results
of operations of County for the three months ended March 31, 2019 and 2018 and the years ended December&nbsp;31, 2018 and 2017.
The following discussion and analysis should be read in conjunction with the sections of this joint proxy statement and prospectus
entitled &quot;Special Note Regarding Forward-Looking Statements,&quot; &quot;Risk Factors,&quot; &quot;Selected Consolidated
Historical Financial Data for County&quot; and County's consolidated financial statements and the accompanying notes included
elsewhere in this document. As used in this section, unless the context otherwise requires, references to &quot;County&quot; refer
to County Bank Corp. and Lakestone Bank &amp; Trust on a consolidated basis. This discussion and analysis contains forward-looking
statements that are subject to certain risks and uncertainties and are based on certain assumptions that County believes are reasonable
but may prove to be inaccurate. County assumes no obligation to update any of these forward-looking statements, except as required
by law.</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Overview</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is a Michigan corporation that owns all of the outstanding shares of common stock of Lakestone Bank,
with operational headquarters in Lapeer, Michigan. Lakestone Bank offers full consumer and commercial banking services to customers
throughout its market areas in and around Lapeer, Macomb and St. Clair Counties, Michigan. Lakestone Bank has 13 banking locations.
As of March 31, 2019, County had total assets of $636.8&nbsp;million, total loans of $387.4&nbsp;million, total deposits of $561.7&nbsp;million
and total stockholders' equity of $64.1&nbsp;million.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County generates
most of its income from interest income on loans and investments, service charges on customer accounts and interest income from
deposits in other financial institutions. County incurs interest expense on deposits and other borrowed funds and noninterest expenses
such as salaries and employee benefits and occupancy expenses. Net interest income is the largest source of County's revenue. Net
interest spread is the difference between rates earned on interest-earning assets and rates paid on interest-bearing liabilities.
Net interest margin is calculated as net interest income divided by average interest-earning assets. Because noninterest-bearing
sources of funds, such as noninterest-bearing deposits and stockholders' equity, also fund interest-earning assets, net interest
margin includes the benefit of these noninterest-bearing sources.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Changes in the market
interest rates and interest rates County earns on interest-earning assets or pays on interest-bearing liabilities, as well as the
volume and types of interest-earning assets, interest-bearing and noninterest-bearing liabilities and stockholders' equity, are
usually the largest drivers of periodic changes in net interest spread, net interest margin and net interest income. Fluctuations
in market interest rates are driven by many factors, including governmental monetary policies, inflation, deflation, macroeconomic
developments, changes in unemployment, the money supply, political and international conditions and conditions in domestic and
foreign financial markets. Periodic changes in the volume and types of loans in County's loan portfolio are affected by, among
other factors, economic and competitive conditions in Michigan and specifically in Lapeer, Macomb and St. Clair Counties, Michigan,
as well as developments affecting the real estate, technology, financial services, insurance, transportation, manufacturing and
energy sectors within County's target market.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Recent Developments</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">On March 22,
2019, County and ChoiceOne entered into the merger agreement providing for a merger of equals between County and ChoiceOne pursuant
to the merger of County with and into ChoiceOne, with ChoiceOne surviving the merger. Pursuant to the terms and subject to the
conditions of the merger agreement, which has been approved by the County board of directors and the ChoiceOne board of directors,
each share of County common stock outstanding immediately prior to completion of the merger will be converted into the right to
receive 2.0632 shares of ChoiceOne common stock. As part of completing the transaction, it is expected that ChoiceOne will declare
and pay a special dividend of $0.60 per share to existing ChoiceOne shareholders. Upon completion of the transaction, ChoiceOne
shareholders will own approximately 50.1% and County shareholders will own approximately 49.9% of the combined company, excluding
outstanding ChoiceOne stock options and restricted </P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">stock units. The transaction is expected to close in the second half of 2019,
subject to satisfaction of customary closing conditions, including the
approval of County and ChoiceOne shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"><B>Results of Operations
for the Three Months Ended March 31, 2019 and 2018</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Net income was $1.72 million for the three months ended March 31, 2019 compared with $1.54 million for the
three months ended March 31, 2018, an increase of $172&nbsp;thousand, or 11.14%. The increase in net income was primarily the result
of a $233&nbsp;thousand increase in net interest income. Annualized returns on average equity were 11.13% and 10.55% and annualized
returns on average assets were 1.10% and 1.01%, for the three months ended March 31, 2019 and 2018, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Net Interest Income </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Net interest income
is the difference between interest income on earning assets, such as loans and securities, and interest expense on liabilities,
such as deposits and borrowings, which are used to fund those assets. Tax equivalent net interest margin is the ratio of tax-equivalent
net interest income to average earning assets for the period. The level of interest rates and the volume and mix of earning assets
and interest-bearing liabilities impact net interest income and net interest margin.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Net interest income
before the provision for loan losses for the three months ended March 31, 2019 was $5.44 million compared with $5.21 million&nbsp;for
the three months ended March 31, 2018, an increase of $233&nbsp;thousand, or 4.48%. The increase in net interest income for the
three months ended March 31, 2019 compared to the same period in 2018 was primarily due to the increase in average interest-earning
assets of $13.16 million, or 2.33%.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Interest
income was $6.14 million for the three months ended March 31, 2019, an increase of $583&nbsp;thousand, or 10.50%, compared with
the three months ended March 31, 2018 primarily due to an increase of $484&nbsp;thousand of interest income on loans during the
three months ended March 31, 2019 compared to the same period in 2018 as a result of the increase in average loans outstanding
of $32.84 million for the same period.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Interest
expense was $697&nbsp;thousand for the three months ended March 31, 2019, an increase of $350&nbsp;thousand, or 100.86%, compared
with the three months ended March 31, 2018. This increase was primarily due to an increase in rates on interest-bearing liabilities.
Average interest-bearing liabilities increased $10.69 million, or 2.50%, for the three months ended March 31, 2019 compared to
the three months ended March 31, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Tax equivalent
net interest margin, which is a non-GAAP financial measure, defined as net interest income adjusted for tax-free income divided
by average interest-earning assets, for the three months ended March 31, 2019 was 3.84%, compared to 3.77% for the three months
ended March 31, 2018. The average yield on interest earning assets and the average rate paid on interest-bearing liabilities increased
over the prior year. The average yield on interest-earning assets of 4.24% and the average rate paid on interest-bearing liabilities
of 0.64%, for the three months ended March 31, 2019, were primarily impacted by changes in market interest rates, as well as changes
in the volume and relative mix of the underlying assets and liabilities. Tax equivalent adjustments to net interest margin are
the result of increasing income from tax-free securities by an amount equal to the taxes that would have been paid if the income
were fully taxable based on a 21% federal tax rate for the three months ended March 31, 2019 and 2018, respectively, thus making
tax-exempt yields comparable to taxable asset yields. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation
to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, for the periods indicated, the total dollar amount of average balances, interest income from average interest-earning
assets and the annualized resultant yields, as well as the interest expense on average interest-bearing liabilities, expressed
in both dollars and rates. Any nonaccruing loans have been included in the table as loans carrying a zero yield.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Three Months Ended</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>March 31, 2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>March 31, 2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Balance</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Interest</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Earned/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Interest&nbsp;Paid</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Yield/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Rate</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Balance</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Interest</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Earned/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Interest&nbsp;Paid</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Yield/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Rate</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Assets</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Interest-Earning Assets:</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Loans</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">371,208</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,834</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5.21</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">338,370</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,350</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5.14</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Securities</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">197,323</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,201</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.43</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">203,032</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,071</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.11</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Deposits in other financial</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;institutions</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9,832</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.07</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">23,798</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">131</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.20</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">578,363</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6,135</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.24</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">565,200</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,552</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.93</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,694</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,695</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest-earning assets</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">45,090</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">45,129</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">621,759</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">608,634</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Liabilities and Shareholders'</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>&nbsp;&nbsp;Equity</B></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Interest-Bearing Liabilities:</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Interest-bearing demand deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">188,320</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">520</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.10</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">152,570</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">185</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.49</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Money market and savings deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">192,795</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">54</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">209,135</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">60</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.11</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Certificates and other time deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">53,061</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">91</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.69</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">64,719</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">90</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.56</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Borrowed funds</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,477</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">32</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.86</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,538</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">12</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.12</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">438,653</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">697</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.64</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">427,962</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">347</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.32</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest-Bearing Liabilities:</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest-bearing demand deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">119,035</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">120,521</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Other liabilities</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2,399</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,615</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">560,087</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">550,098</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Shareholders' equity</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">61,672</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">58,536</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and shareholders'</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;equity</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">621,759</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">608,634</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest rate spread</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.60</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.61</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest income and margin<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,438</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.76</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,205</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.68</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest income and margin (tax</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;equivalent)<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,551</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.84</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,331</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.77</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 11pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 96%; text-align: justify"><FONT STYLE="font-size: 9pt">The net interest margin is equal to annualized net interest income divided by average interest-earning assets.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 11pt"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">In order to make pre-tax income and resultant yields on tax-exempt loans comparable to those on taxable loans,
a tax-equivalent adjustment has been computed using a federal tax rate of 21.0% for the three months ended March 31, 2019. Net
interest income and net interest margin on a fully taxable equivalent basis are non-GAAP financial measures. See &quot;Non-GAAP
Financial Measures&quot; on page 23 and the reconciliation to the most directly comparable GAAP financial measure in Annex H to
this joint proxy statement and prospectus.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents information regarding the dollar amount of changes in interest income and interest expense for the periods indicated for
each major component of interest-earning assets and interest-bearing liabilities and distinguishes between the changes attributable
to changes in volume and changes in interest rates.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>For the Three Months Ended</B><BR>
<B>March 31,</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019 vs. 2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Increase</B><BR>
<B>(Decrease)</B><BR>
<B>Due to Change in</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Volume</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Rate</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Total</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 60%; text-align: justify; line-height: 115%">Interest-Earning assets:</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">422</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">62</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">484</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(31</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">161</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">130</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits in other financial institutions</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(56</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">25</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(31</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total increase in interest income</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">335</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">248</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">583</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Interest-Bearing liabilities:</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing demand deposits</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">43</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">292</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">335</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Money market and savings deposits</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(5</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(1</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(6</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certificates and other time deposits</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(16</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">17</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrowed funds</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">23</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(3</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">20</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total increase in interest expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">45</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">305</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">350</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Increase (decrease) in net interest income</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">290</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(57</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">233</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Provision for Loan Losses </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's provision
for loan losses is a charge to income in order to bring its allowance for loan losses to a level deemed appropriate by management.
No provision was required for the three months ended March 31, 2019 and 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Noninterest Income </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's primary
sources of noninterest income are service charges on deposit accounts, interchange income, trust income and earnings on bank-owned
life insurance. Noninterest income does not include loan origination fees.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Noninterest
income totaled $1.34 million for the three months ended March 31, 2019 compared to $1.45 million for the same period in 2018, a
decrease of $104 thousand, or 7.20%. The decline in other noninterest income was due to gains on the sale of other real estate
owned in the first quarter of 2018 and not repeated in 2019.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, for the periods indicated, the major categories of noninterest income:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>For the Three Months</B><BR>
<B>Ended March 31,</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; text-align: center; line-height: 115%"><BR>
<B>Increase</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>(Decrease)</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 58%; text-align: justify; line-height: 115%">Service charges on deposit accounts</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">442</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">450</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">(8</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Net gain on sales of loans</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">57</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">71</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(14</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Earnings on bank-owned life insurance</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">89</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">90</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(1</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Trust income</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">156</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">154</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Interchange income</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">373</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">371</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Other noninterest income</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">224</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">309</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(85</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">1,341</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">1,445</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(104</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Noninterest Expense</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Noninterest expense was $4.77 million and $4.84 million for the three months ended March 31, 2019 and 2018,
respectively. The decline in salaries and employee benefits was a result of changes in staff levels and the related changes in
employee benefit expenses. Other expenses increased as a result of increased activity associated with developing customer relationships.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, for the periods indicated, the major categories of noninterest expense:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>For the Three Months</B><BR>
<B>Ended March 31,</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; text-align: center; line-height: 115%"><BR>
<B>Increase</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>(Decrease)</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 60%; text-align: justify; line-height: 115%">Salaries and employee benefits</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 7%; text-align: right; line-height: 115%">2,458</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 7%; text-align: right; line-height: 115%">2,615</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">(157</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Occupancy and equipment</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">514</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">561</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(47</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Advertising</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">55</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">96</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(41</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Professional fees</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">142</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">128</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">14</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Data processing</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">479</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">427</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">52</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Regulatory</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">24</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">71</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(47</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Electronic banking fees</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">191</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">183</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">8</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Directors' fees</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">184</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">141</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">43</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Core deposit intangible amortization</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">76</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">88</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(12</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Telecommunications</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">99</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">91</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">8</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Other</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">547</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">437</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">110</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">4,769</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">4,838</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(69</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Efficiency Ratio </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The efficiency ratio is a supplemental financial measure utilized in management's internal evaluation of County's
performance. A GAAP-based efficiency ratio is calculated by dividing total noninterest expense, excluding credit loss provisions,
by net interest income plus total noninterest income, as shown in County's consolidated statements of income. County's adjusted
efficiency ratio (a non-GAAP financial measure) is calculated by excluding from noninterest income the net gains and losses on
the <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">sales of investment securities
and other assets, which can vary widely from period to period. Additionally, taxes and provision for loan losses are not included
in this calculation. An increase in the efficiency ratio indicates that more resources are being utilized to generate the same
volume of income and/or being invested to generate future income, while a decrease would indicate a more efficient allocation of
resources. County's adjusted efficiency ratio was 70.35% for the three months ended March 31, 2019 compared to 73.43% for the three
months ended March 31, 2018</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Income Taxes </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The amount of federal income tax expense is influenced by the amount of pre-tax income, the amount of tax-exempt
income and the amount of other nondeductible expenses. Income tax expense increased $26 thousand, or 9.70%, to $294 thousand for
the three months ended March 31, 2019 compared with $268 thousand for the same period in 2018. County's effective tax rates were
14.63% and 14.79% for the three months ended March 31, 2019 and 2018, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Results of Operations for the Years
Ended December&nbsp;31, 2018 and 2017 </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Net income was $6.92 million for the year ended December&nbsp;31, 2018 compared with $5.35 million for the
year ended December&nbsp;31, 2017, an increase of $1.57 million, or 29.43%. The increase in net income was primarily the result
of a $845&nbsp;thousand increase in net interest income and a $1.06 million decrease in income tax expense due to adjustments recorded
to the net deferred tax asset as a result of the lowering of the corporate federal income tax rate from 34% to 21%. Returns on
average equity were 11.95% and 9.15% for the years ended December&nbsp;31, 2018 and 2017, respectively. Returns on average assets
were 1.13% and 0.90% for the years ended December&nbsp;31, 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Net interest income for the year ended December&nbsp;31, 2018 was $20.95 million compared with $20.10 million
for the year ended December&nbsp;31, 2017, an increase of $845 thousand, or 4.20%. The increase in net interest income was primarily
due to increases in rates for the year ended December&nbsp;31, 2018, compared with the year ended December&nbsp;31, 2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 9pt 0 0; text-align: justify; text-indent: 0.5in">Interest income was $22.91 million for the year ended December&nbsp;31, 2018, an increase of $1.88 million,
or 8.94%, compared with the year ended December&nbsp;31, 2017, primarily due to an increase of $1.12 million of interest income
and fees on loans during the year ended December&nbsp;31, 2018 compared to the same period in 2017 as a result of the increase
in average loans outstanding of $27.87 million&nbsp;and an increase in average yield of total interest earning assets of 17 basis
points for the year ended December 31, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in">Interest expense was $1.97 million for the year ended December&nbsp;31, 2018, an increase of $1.03 million,
or 110.81%, compared with the year ended December&nbsp;31, 2017. This increase was primarily due to an increase in rates on interest-bearing
liabilities. Average interest-bearing liabilities increased $19.74 million, or 4.81%, for the year ended December&nbsp;31, 2018
compared with the year ended December&nbsp;31, 2017. The increase in average interest-bearing liabilities was primarily due to
the increase in average interest-bearing deposits of $13.78 million, or 3.39%, during the year ended December&nbsp;31, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Tax equivalent net interest margin, which is a non-GAAP financial measure, was 3.77% and 3.81% for the years
ended December&nbsp;31, 2018 and 2017, respectively. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation
to the most directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT>&nbsp;</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, for the periods indicated, the total dollar amount of average balances, interest income from average interest-earning
assets and the annualized resultant yields, as well as the interest expense on average interest-bearing liabilities, expressed
in both dollars and rates. Any nonaccruing loans have been included in the table as loans carrying a zero yield.</P>

<P STYLE="font: 10pt/10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Years Ended</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>December&nbsp;31, 2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="7" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>December&nbsp;31, 2017</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Balance</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Interest</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Earned/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Interest&nbsp;Paid</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Yield/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Rate</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Balance</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Interest</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Earned/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Interest&nbsp;Paid</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Yield/</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Rate</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="15" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Assets</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Interest-Earning Assets:</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Loans</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">348,800</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">17,956</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5.15</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">320,935</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">16,836</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5.25</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Securities</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">206,937</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,720</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.28</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">210,526</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4,028</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.92</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Deposits in other financial</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;institutions</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">13,596</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">238</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.75</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">15,518</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">170</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.01</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">569,333</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22,914</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.02</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">546,979</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">21,034</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.85</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,703</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,847</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest-earning assets</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">45,485</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">46,365</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">613,115</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">591,497</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Liabilities and Shareholders'</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>&nbsp;&nbsp;Equity</B></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Interest-Bearing Liabilities:</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Interest-bearing demand deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">155,647</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,158</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.74</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">131,013</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">359</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.27</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Money market and savings deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">204,952</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">236</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.12</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">207,117</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">239</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.12</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Certificates and other time deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">60,086</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">369</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.61</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">68,778</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">311</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.45</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Borrowed funds</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9,045</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">206</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.28</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,086</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">25</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.81</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">429,730</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,969</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.46</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">409,994</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">934</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.24</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest-Bearing Liabilities:</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Noninterest-bearing demand deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">122,682</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">120,045</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Other liabilities</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2,797</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3,036</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">555,209</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">533,075</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Shareholders' equity</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">57,906</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">58,422</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and shareholders'</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;equity</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">613,115</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; border-bottom: Black 1.5pt double; line-height: 115%"><FONT STYLE="font-size: 9pt">591,497</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest rate spread</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.56</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.61</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest income and margin<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">20,945</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.68</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$20,100</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.66</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Net interest income and margin (tax</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;equivalent)<SUP>(2)</SUP></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">21,451</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.77</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">20,829</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.81</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><BR>
<FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 11pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 96%; text-align: justify"><FONT STYLE="font-size: 9pt">The net interest margin is equal to net interest income divided by average interest-earning assets.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 11pt"><SUP>(2)</SUP></FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">In order to make pre-tax income and resultant yields on tax-exempt loans comparable to those on taxable loans,
a tax-equivalent adjustment has been computed using a federal tax rate of 21.0% for the year ended December 31, 2018 and a federal
tax rate of 34.0% for the year ended December 31, 2017. Net interest income and net interest margin on a fully taxable equivalent
basis are non-GAAP financial measures. See &quot;Non-GAAP Financial Measures&quot; on page 23 and the reconciliation to the most
directly comparable GAAP financial measure in Annex H to this joint proxy statement and prospectus.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents information regarding the dollar amount of changes in interest income and interest expense for the periods indicated for
each major component of interest-earning assets and interest-bearing liabilities and distinguishes between the changes attributable
to changes in volume and changes in interest rates.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>For the Years Ended December 31,</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018 vs. 2017</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Increase</B><BR>
<B>(Decrease)</B><BR>
<B>Due to Change in</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Volume</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Rate</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Total</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 58%; text-align: justify; line-height: 115%">Interest-Earning assets:</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">365</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">755</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,120</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(19</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">711</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">692</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits in other financial institutions</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(2</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">70</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">68</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total increase in interest income</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">344</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,536</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,880</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Interest-Bearing liabilities:</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing demand deposits</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">17</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">782</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">799</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Money market and savings deposits</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(2</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(1</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(3</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certificates and other time deposits</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(8</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">66</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">58</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrowed funds</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">76</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">105</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">181</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total increase in interest expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">83</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">952</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,035</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">Increase (decrease) in net interest income</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">261</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">584</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">845</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Provision for Loan Losses </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's provision
for loan losses is a charge to income in order to bring its allowance for loan losses to a level deemed appropriate by management.
No provision was required for the years ended December 31, 2018 and 2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Noninterest Income </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's primary
sources of noninterest income are service charges on deposit accounts, interchange income, trust income and earnings on bank-owned
life insurance. Noninterest income does not include loan origination fees.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Noninterest income totaled $5.23 million for the year ended December&nbsp;31, 2018 compared to $5.55 million&nbsp;for
the year ended December 31, 2017, a decrease of $322&nbsp;thousand, or 5.80%. This decrease was primarily due to decreases in the
net gain on sales of loans as a result of declining demand for mortgages that are sold into the secondary market and decreases
in the net gain on sales of other real estate owned due to fewer properties of other real estate owned that could be sold during
2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, for the periods indicated, the major categories of noninterest income:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Years Ended</B><BR>
<B>December 31,</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; text-align: center; line-height: 115%"><BR>
<B>Increase</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>(Decrease)</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 58%; text-align: justify; line-height: 115%">Service charges on deposit accounts</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">1,874</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">1,936</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">(62</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Net gain (loss) on sales or calls of investment securities</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(382</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(347</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(35</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Net gain on sales of loans</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">164</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">338</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(174</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Net gain on sales of other real estate owned</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">79</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">261</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(182</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Earnings on bank-owned life insurance</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">368</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">381</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(13</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Trust income</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">629</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">604</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">25</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Interchange income</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,560</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,487</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">73</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Other noninterest income</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">939</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">893</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">46</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">5,231</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">5,553</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(322</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Noninterest Expense </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Noninterest expense was $18.04 million and $18.03 million&nbsp;for the years ended December&nbsp;31, 2018
and 2017, respectively. The consolidation of CSB Bank and Lapeer County Bank &amp; Trust Co. took place in late 2016. Data processing
fees, occupancy and equipment expenses and advertising expenses increased as a result of implementing structural changes to effectively
serve the expanded customer base. Telecommunications expenses decreased as a result of changes implemented in advance of the merger.
Professional fees also declined in 2018 as a result of fees related to consolidation of the two banks in late 2016. Post-merger
expenses incurred in 2017 were not repeated in 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, for the periods indicated, the major categories of noninterest expense:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>For the Years Ended</B><BR>
<B>December 31,</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; text-align: center; line-height: 115%"><BR>
<B>Increase</B></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>(Decrease)</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 58%; text-align: justify; line-height: 115%">Salaries and employee benefits</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">9,588</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">9,616</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">(28</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Occupancy and equipment</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,964</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,813</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">151</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Advertising</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">304</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">221</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">83</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Professional fees</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">415</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">566</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(151</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Data processing</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,803</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,654</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">149</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Regulatory</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">252</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">302</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(50</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Electronic banking fees</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">809</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">753</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">56</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Directors' fees</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">579</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">445</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">134</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Telecommunications expense</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">385</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">492</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(107</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Core deposit intangible amortization</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">352</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">385</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(33</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,589</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,780</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(191</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">18,040</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">18,027</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">13</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Efficiency Ratio </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County calculates
its adjusted efficiency ratio by dividing total noninterest expense by the sum of net interest income and noninterest income, excluding
net gains and losses on the sales of investment securities and other assets. Additionally, taxes and provision for loan losses
are not included in this calculation. The adjusted efficiency ratio was 68.20% for the year ended December&nbsp;31, 2018 compared
with 70.04% for the year ended December&nbsp;31, 2017.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Income Taxes </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The amount of federal income tax expense is influenced by the amount of pre-tax income, the amount of tax-exempt
income and the amount of other nondeductible expenses. Income tax expense decreased $1.06 million, or 46.60%, to $1.22 million
for the year ended December&nbsp;31, 2018 compared with $2.28 million for the same period</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">in 2017 primarily due the adjustment
recorded during 2017 in the amount of $296 thousand to adjust the net deferred tax assets as a result of the lowering of corporate
federal income tax rate to 21% beginning in 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The effective tax
rates were 14.97% and 29.91% for the years ended December&nbsp;31, 2018 and 2017, respectively. The effective tax rate for 2017
was impacted by the adjustment of County's deferred tax assets related to the reduction in the U.S. federal statutory income tax
rate to 21%.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Financial Condition </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Loan Portfolio </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At March 31, 2019, total loans increased $23.53 million from December&nbsp;31, 2018. Total loans at December&nbsp;31,
2018 were $363.86 million, an increase of $19.32 million, or 5.61%, compared to $344.54 million as of December&nbsp;31, 2017.</P>

<P STYLE="font: 1pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Total loans as a
percentage of deposits were 68.97%, 67.08% and 63.86% as of March 31, 2019, December&nbsp;31, 2018 and December&nbsp;31, 2017,
respectively. Total loans as a percentage of assets were 60.83%, 59.01% and 57.23% as of March 31, 2019, December&nbsp;31, 2018
and December&nbsp;31, 2017, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
summarizes County's loan portfolio by type of loan as of the dates indicated:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>March 31, 2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>December&nbsp;31, 2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>December&nbsp;31, 2017</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 41%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Commercial and industrial</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">87,057</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22.4</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">77,108</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">21.2</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">64,973</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">18.8</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Commercial real estate</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">145,619</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">37.6</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">136,951</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">37.6</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">137,409</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">39.9</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Real estate construction</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">14,665</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">3.8</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10,640</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">2.9</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5,131</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.5</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Residential real estate</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">105,622</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">27.3</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">104,611</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">28.8</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">103,312</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">30.0</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Consumer and other</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">34,432</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.9</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">34,551</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.5</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">33,714</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.8</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">387,395</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100.0</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">363,861</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100.0</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">344,539</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100.0</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,690</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,697</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,641</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans, net</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">385,705</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">362,164</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">342,898</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County has certain
lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management
reviews and approves these policies and procedures on a regular basis. Diversification of the loan portfolio is a means of managing
the risks associated with fluctuations in economic conditions.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">In order to manage
the diversification of the portfolio, County segments loans into classes. The real estate loan segment is sub-segmented into classes
that primarily include commercial real estate mortgage loans, construction and land development loans, farmland loans, 1-4 family
residential loans and multi-family residential loans. County segments consumer loans into classes that primarily include automobiles
and other consumer loans, which include revolving credit plans. County analyzes the overall ability of the borrower and guarantors
to repay a loan. Information and risk management practices specific to County's loan segments and classes follows.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Commercial and
Industrial. </I>County's commercial and industrial loans represent credit extended to small- to medium-sized businesses primarily
for the purpose of providing working capital and equipment purchase financing. Commercial and industrial loans often are dependent
on the profitable operations of the borrower. These credits are primarily made based on the expected cash flow of the borrower
and secondarily on the underlying collateral provided by the borrower. Most commercial and industrial loans are secured by the
assets being financed or other business assets such as accounts receivable or inventory and may also incorporate a personal guarantee.
Some shorter-term loans may be extended on an unsecured basis. In the case of loans secured by accounts receivable, the availability
of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due
from its customers. The cash flows of borrowers may not be as expected and the collateral securing these loans may fluctuate, increasing
the risk associated with this loan segment. As a result of the additional complexities, variables, and risks, commercial loans
typically require more thorough underwriting and servicing than other types of loans. The commercial and industrial loan portfolio
increased $9.95 million, or 12.90%,</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">to $87.06 million as of March 31, 2019 compared to $77.11 million as of December&nbsp;31, 2018.
Total commercial and industrial loans as of December&nbsp;31, 2018 increased $12.14 million, or 18.68%, compared to $64.97 million
as of December&nbsp;31, 2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Commercial Real
Estate, Real Estate Construction and Residential Real Estate. </I>County makes commercial real estate mortgage loans which are
primarily viewed as cash flow loans and secondarily as loans secured by real estate. The properties securing County's commercial
real estate loans can be owner occupied or nonowner occupied. Concentrations within the various types of commercial properties
are monitored by management in order to assess the risks in the portfolio. The commercial real estate loan portfolio increased
$8.67 million, or 6.33%, to $145.62 million as of March 31, 2019 compared to $136.95 million as of December&nbsp;31, 2018. Total
commercial real estate loans as of December&nbsp;31, 2018 decreased $458 thousand, or 0.33%, compared to $137.41 million as of
December&nbsp;31, 2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The repayment of
these loans is largely dependent on the successful operation of the property securing the loan or the business conducted on the
property securing the loan. Accordingly, repayment of these loans may be subject to adverse conditions in the real estate market
or the economy to a greater extent than other types of loans. County seeks to minimize these risks in a variety of ways in connection
with underwriting these loans, including giving careful consideration to the property's operating history, future operating projections,
current and projected occupancy, location and physical condition.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Construction and
land development loans are generally nonowner occupied and are subject to certain risks attributable to the fact that loan funds
are advanced over the construction phase and the project is of uncertain value prior to its completion. Construction loans are
generally based upon estimates of costs and value associated with the completed project with repayment dependent, in part, on the
success of the ultimate project rather than the ability of the borrower or guarantor to repay the loan. County has underwriting
and funding procedures designed to address what it believes to be the risks associated with such loans; however, no assurance can
be given the procedures will prevent losses resulting from the risks described above.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's real estate
lending activities also include the origination of 1-4 family residential and multi-family residential loans. The terms of these
loans typically range from three to 20 years and are secured by the properties financed. County requires the borrowers to maintain
mortgage title insurance and hazard insurance. County retains 1-4 family residential loans for its own portfolio, but will sell
loans into the secondary market based on the current rate environment and County's anticipated liquidity needs.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Consumer and
Other. </I>County's consumer loans include automobile loans, home improvement loans, home equity loans, personal loans (collateralized
and uncollateralized) and deposit account collateralized loans. The terms of these loans typically range from one to seven years
and vary based on the nature of collateral and size of the loan. Consumer loan collections are dependent on the borrower's continuing
financial stability, and thus more likely to be adversely affected by job loss, illness or personal bankruptcy. Furthermore, the
application of various federal and state laws may limit the amount which can be recovered on such loans. To monitor and manage
consumer loan risk, policies and procedures are developed and modified, as deemed appropriate by County's management. The consumer
and other loan portfolio decreased $119&nbsp;thousand, or 0.34%, to $34.43 million as of March 31, 2019 compared to $34.55 million
as of December&nbsp;31, 2018. Total consumer and other loans as of December&nbsp;31, 2018 increased $837 thousand, or 2.48%, compared
to $33.71 million as of December&nbsp;31, 2017. Other loans consist primarily of smaller loans to business entities and individuals
for various personal and business purposes and overdraft lines of credit principally extended to individuals.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Concentrations of Credit </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The vast majority of County's lending activity occurs in Lapeer, Macomb and St. Clair Counties, Michigan.
County's loans are primarily secured by real estate, including commercial and residential construction, owner occupied and nonowner
occupied and multi-family commercial real estate, raw land and other real estate based loans located in these areas. As of March
31, 2019, December&nbsp;31, 2018 and 2017, loans secured by real estate represented 68.7%, 69.3% and 71.4%, respectively, of County's
total loans.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
summarizes the loan contractual maturity distribution by type and by related interest rate characteristics as of the date indicated:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of March 31, 2019</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>One Year</B><BR>
<B>or Less</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>After One</B><BR>
<B>but Within</B><BR>
<B>Five Years</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>After Five</B><BR>
<B>Years</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<B>Total</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 56%; text-align: justify; line-height: 115%">Commercial and industrial</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 9%; text-align: right; line-height: 115%">43,451</TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 9%; text-align: right; line-height: 115%">15,919</TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">27,687</TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%">87,057</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Commercial real estate</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">12,414</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">48,185</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">85,020</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">145,619</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Real estate construction</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">4,006</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3,754</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">6,905</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">14,665</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Residential real estate</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3,863</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">20,882</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">80,877</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">105,622</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Consumer and other</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">3,841</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">9,941</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">20,650</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">34,432</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans held in portfolio</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">67,575</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">98,681</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">221,139</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">387,395</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Predetermined (fixed) interest rates</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">45,384</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">87,696</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">106,475</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">239,555</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Floating interest rates</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">22,191</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">10,985</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">114,664</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">147,840</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">67,575</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">98,681</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">221,139</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">387,395</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The information
in the table above is limited to contractual maturities of the underlying loans. The expected life of County's loan portfolio will
differ from contractual maturities because borrowers may have the right to curtail or prepay their loans with or without prepayment
penalties.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Asset Quality</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Nonperforming
Assets and Potential Problem Loans.</I> County has procedures in place to assist in maintaining the overall quality of its loan
portfolio. County has established underwriting guidelines to be followed by its officers to monitor County's delinquency levels
for any negative or adverse trends.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County had $1.46 million, $1.53 million&nbsp;and $658 thousand in nonaccrual loans as of March 31, 2019, December&nbsp;31,
2018 and 2017, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 1pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents information regarding nonperforming assets as of the dates indicated:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of</B><BR>
<B>March 31, 2019</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of</B><BR>
<B>December 31, 2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of</B><BR>
<B>December 31, 2017</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="line-height: 115%; text-align: center"><B><I>(Dollars in thousands)</I></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 51%; text-align: justify; line-height: 115%">Nonaccrual loans:</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 14%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 14%; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Commercial and industrial</TD>
    <TD STYLE="vertical-align: top; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">65</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Commercial real estate</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">61</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Real estate construction</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Residential real estate</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">1,278</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,284</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">565</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Consumer and other</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">183</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">185</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">32</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total nonaccrual loans</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">1,461</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,534</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">658</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Accruing loans 90 or more days past due</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">35</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming loans</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,496</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">1,534</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">658</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Other real estate</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">508</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">508</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">592</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Other repossessed assets</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming assets</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; line-height: 115%; text-align: right">2,004</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; line-height: 115%; text-align: right">2,042</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; line-height: 115%; text-align: right">1,250</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Restructured loans</TD>
    <TD STYLE="vertical-align: top; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3,268</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">3,284</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%; text-align: right">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2,647</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Nonperforming assets to total assets</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.31%</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.32%</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.21%</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Nonperforming loans to total loans</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.39%</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.42%</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">0.19%</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"><I>Allowance for
Loan Losses </I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The allowance for
loan losses is a valuation allowance that is established through charges to earnings in the form of a provision for loan losses.
The amount of the allowance for loan losses is affected by the following: (i)&nbsp;charge-offs of loans that decrease the allowance,
(ii)&nbsp;subsequent recoveries on loans previously charged off that increase the allowance and (iii)&nbsp;provisions for loan
losses charged to income that increase the allowance. For purposes of determining the allowance for loan losses, County considers
the loans in its portfolio by segment, class and risk grade. Management uses judgment to determine the estimation method that
fits the credit risk characteristics of each portfolio segment or loan class. To assist in the assessment of risk, management
reviews reports related to loan production, loan quality, concentrations of credit, loan delinquencies and nonperforming and potential
problem loans. County utilizes an independent third party loan review service to review the credit risk assigned to loans on a
periodic basis and the results are presented to management for review.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">At March 31, 2019 and December&nbsp;31, 2018, the allowance for loan losses amounted to $1.69 million&nbsp;and
$1.70 million, or 0.44% and 0.47%, respectively, of total loans, as compared with $1.64 million, or 0.48% of total loans, as of
December&nbsp;31, 2017. County believes that the allowance for loan losses at March 31, 2019, December&nbsp;31, 2018 and December&nbsp;31,
2017 was adequate to cover probable incurred losses in the loan portfolio as of such date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
presents, as of and for the periods indicated, an analysis of the allowance for loan losses and other related data:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>For the Three Months Ended</B></FONT><BR>
<FONT STYLE="font-size: 9.5pt"><B>March 31,</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>For the Year Ended</B></FONT><BR>
<FONT STYLE="font-size: 9.5pt"><B>December 31,</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>2017</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 49%; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Average loans outstanding</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">371,208</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">338,370</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">348,800</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">320,935</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Gross loans outstanding at end of period</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">387,395</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">344,706</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">363,861</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">344,539</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Allowance for loan losses at beginning of period</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,697</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,641</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,641</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,684</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Provision for loan losses</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Charge-offs:</B></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(12</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(11</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(25</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(157</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(24</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(42</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(42</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(73</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(151</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(252</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Total charge-offs for all loan types</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(42</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(73</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(212</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(462</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt"><B>Recoveries:</B></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">14</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">119</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">168</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">72</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">16</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">29</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">32</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">3</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">19</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">102</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">162</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">113</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Total recoveries for all loan types</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">35</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">133</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">268</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">419</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net (charge-offs) recoveries</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(7</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">60</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">56</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(43</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9.5pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Allowance for loan losses at end of period</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,690</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,701</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,697</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">1,641</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Allowance for loan losses to total loans</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.44%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.49%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.47%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.48%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Net (charge-offs) recoveries to average loans<SUP>(1)</SUP></FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.00%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.02%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">0.02%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">(0.01)%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9.5pt">Allowance for loan losses to nonperforming loans</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">112.97%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">280.69%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">110.63%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9.5pt">249.39%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 11pt"><SUP>(1)</SUP></FONT></TD>
    <TD STYLE="width: 96%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Interim period annualized.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
shows the allocation of the allowance for loan losses among County's loan categories and the percentage of the respective loan
category to total loans held for investment as of the dates indicated. The allocation is made for analytical purposes and is not
necessarily indicative of the categories in which future losses may occur. The total allowance is available to absorb losses from
any loan category.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of March 31, 2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of December&nbsp;31, 2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of December&nbsp;31,&nbsp;2017</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 37%; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">Balance of allowance for loan</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;losses applicable to:</FONT></TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">187</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">11.07</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">182</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10.72</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">168</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10.24</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 41%; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">437</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">25.86</FONT></TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">433</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">25.52 </FONT></TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">428</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">26.08</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">162</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.59</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">124</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">7.31 </FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">14</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.85</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">227</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">13.43</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">237</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">13.97</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">293</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">17.85</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">193</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">11.42</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">237</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">13.97</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">269</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">16.39</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unallocated</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">484</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">28.63</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">484</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">28.51</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">469</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">28.59</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for loan losses</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,690</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,697</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1,641</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Available For Sale Securities
</I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of March 31, 2019, the carrying amount of investment securities totaled $193.85 million, a decrease of
$1.27 million, or 0.65%, compared with $195.11 million as of December&nbsp;31, 2018. The carrying amount of investment securities
at December&nbsp;31, 2018 increased $13.52 million, or 7.45%, compared with $181.59 million as of December&nbsp;31, 2017. Investment
securities represented 30.44%, 31.65% and 30.16% of total assets as of March 31, 2019, December&nbsp;31, 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The majority of
the securities in the portfolio are classified as available for sale. Securities classified as available for sale are measured
at fair value in the financial statements with unrealized gains and losses reported, net of tax, as accumulated comprehensive income
or loss until realized. Interest earned on securities is included in interest income.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
summarizes the amortized cost and fair value of the securities in the securities portfolio as of the dates shown:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>March 31, 2019</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Amortized</B><BR>
<B>Cost</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Gross</B><BR>
<B>Unrealized</B><BR>
<B>Gains</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Gross</B><BR>
<B>Unrealized</B><BR>
<B>Losses</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Fair</B><BR>
<B>Value</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 44%; text-align: justify; line-height: 115%"><B>Available for Sale</B></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">14,219</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">(250</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">13,969</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="letter-spacing: -0.15pt">States and municipal</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">81,102</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">391</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(1,099</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">80,394</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Corporate</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">6,639</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(129</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">6,510</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">2,088</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(80</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">2,008</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">92,690</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">19</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(2,069</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">90,640</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Trust preferred securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">325</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">325</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">197,063</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">410</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(3,627</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">193,846</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

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<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>December 31, 2018</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Amortized</B><BR>
<B>Cost</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Gross</B><BR>
<B>Unrealized</B><BR>
<B>Gains</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Gross</B><BR>
<B>Unrealized</B><BR>
<B>Losses</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Fair</B><BR>
<B>Value</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 44%; text-align: justify; line-height: 115%"><B>Available for Sale</B></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">14,232</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">(376</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">13,856</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="letter-spacing: -0.15pt">States and municipal</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">81,223</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">83</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(2,853</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">78,453</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Corporate</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">6,648</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(290</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">6,358</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">2,299</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(117</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">2,182</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">96,932</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">6</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">(3,000</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">93,938</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">Trust preferred securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">325</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">325</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">201,659</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">89</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(6,636</TD>
    <TD STYLE="text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">195,112</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>December 31, 2017</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Amortized</B><BR>
<B>Cost</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Gross</B><BR>
<B>Unrealized</B><BR>
<B>Gains</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Gross</B><BR>
<B>Unrealized</B><BR>
<B>Losses</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Fair</B><BR>
<B>Value</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 44%; text-align: justify; line-height: 115%"><B>Available for Sale</B></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 11%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 3%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 9%; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Government-sponsored enterprises</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">15,503</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(326</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">15,177</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="letter-spacing: -0.15pt">States and municipal</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">84,742</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">237</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(1,795</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">83,184</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Corporate</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">4,664</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">11</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(81</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">4,594</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Mortgage-backed securities: commercial</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2,774</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(105</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2,669</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Mortgage-backed securities: residential</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">77,184</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">6</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">(1,550</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">75,640</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Trust preferred securities</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">325</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">325</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Total</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">185,192</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">254</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">(3,857</TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">181,589</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following tables
show contractual maturities and the weighted average yields on County's investment securities as of the dates presented. Expected
maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without
call or prepayment penalties. Weighted average yields are not presented on a tax equivalent basis.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 100%">&nbsp;</TD>
    <TD COLSPAN="19" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Maturity as of March 31, 2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>One Year or Less</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>One to Five Years</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Five to Ten Years</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>After Ten Years</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left"><BR>
<BR>
<FONT STYLE="font-size: 8pt"><B><U>(Dollars in thousands)</U></B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 8pt"><B>Amortized</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Cost</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Weighted</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Yield</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 8pt"><B>Amortized</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Cost</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Weighted</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Yield</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 8pt"><B>Amortized</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Cost</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Weighted</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Yield</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 8pt"><B>Amortized</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Cost</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8pt"><B>Weighted</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Average</B></FONT><BR>
<FONT STYLE="font-size: 8pt"><B>Yield</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 34%; text-align: left"><FONT STYLE="font-size: 8pt">Available-for-sale:</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Government-sponsored</FONT><BR>
<FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">4,016</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.19</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">10,203</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">1.51</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">States and municipal</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">272</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">1.92</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">10,275</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2.46</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">36,226</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2.37</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">34,329</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2.61</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Corporate</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">4,618</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2.54</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2,021</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">3.59</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;commercial</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">1,641</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">1.31</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">5,722</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">1.73</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">85,327</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2.66</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 8pt">&nbsp;&nbsp;&nbsp;residential</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">2,088</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">1.84</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Trust preferred securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">-</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">325</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 8pt">7.38</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 8pt">Total available-for-sale</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">4,288</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 8pt">1.23</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">26,737</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 8pt">2.04</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">43,969</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 8pt">2.34</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">%</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8pt">122,069</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 8pt">2.34</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 8pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County does not
have the intent to sell any of the securities classified as available for sale while in a loss position and believes that it is
not likely that it will have to sell any of these securities before a recovery of cost. The unrealized losses are attributable
primarily to changes in market interest rates relative to those available when the securities were acquired. The fair value of
these securities is expected to recover as the securities reach their maturity or re-pricing date, or if market rates for such
investments decline.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County does not
believe that any of the securities are impaired due to reasons of credit quality. Accordingly, as of March 31, 2019, December&nbsp;31,
2018 and 2017, County believes the impairments were</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<!-- Field: Page; Sequence: 1 -->
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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">temporary, and no impairment loss has been realized in its consolidated statements
of income for the periods then ended.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Deposits </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's lending
and investing activities are primarily funded by deposits. County offers a variety of deposit accounts having a range of interest
rates and terms including demand, savings, money market and certificates and other time accounts.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Total
deposits at March 31, 2019 were $561.70 million, an increase of $19.25 million, or 3.55%, compared with $542.45 million at
December&nbsp;31, 2018 primarily due to an increase of $27.19 million in interest-bearing transaction accounts. Deposits at
December&nbsp;31, 2018 increased $2.94 million, or 0.55%, compared with $539.51 million at December&nbsp;31, 2017. The
deposit growth experienced in 2018 was organic deposit growth.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>March 31, 2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>December 31, 2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>December 31, 2017</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>% of Total</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>% of Total</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>% of Total</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 40%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Demand</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 7%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">116,154</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">20.68</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">122,053</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">22.50</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">124,356</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">23.05</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 1%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Interest-bearing transaction accounts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">198,910</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">35.41</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">224,322</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">41.35</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">206,668</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">38.31</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Savings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">193,923</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">34.52</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">142,892</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">26.35</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">143,387</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">26.58</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">Time deposits</FONT></TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">52,713</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.39</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">53,186</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">9.80</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">65,102</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">12.06</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">561,700</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">542,453</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">539,513</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%; border-bottom: Black 1.5pt double"><FONT STYLE="font-size: 9pt">100.00</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's ratio of average noninterest-bearing deposits to average total deposits was 21.52% as of March 31,
2019 and 22.58% and 22.78% for the years ended December&nbsp;31, 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
shows the remaining maturity of time deposits of $100,000 and greater as of the date indicated:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 60%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>March 31,</B><BR>
<B>2019</B><BR>
<B><I>(Dollars in</I></B><BR>
<B><I>thousands)</I></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%; width: 82%">Time deposits $100,000 or greater with remaining<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;maturity of:</TD>
    <TD STYLE="text-align: justify; line-height: 115%; width: 2%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%; width: 16%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Three months or less</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">2,812</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After three months through nine months</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">11,196</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After nine months through 12 months</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1,897</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After 12 months</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">4,081</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">19,986</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Borrowings </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County has established approximately $35.00 million&nbsp;in unsecured lines of credits for overnight purchase
of federal funds. In addition, County has an available line of credit with the FHLB, which allows County to borrow on a collateralized
basis. FHLB advances are used to manage liquidity as needed. At March 31, 2019, County had an available line of credit with the
FHLB, which allows it to borrow up to $60.68 million, on a collateralized basis. Any borrowings would be collateralized by a blanket
lien on eligible commercial loans and loans secured by real estate. As of March 31, 2019, there was $1 million in outstanding borrowings
with the FHLB.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Contractual Obligations </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table presents information regarding County's outstanding contractual obligations and other
commitments to make future payments as of March&nbsp;31, 2019, which consist of its future cash payments associated with County&rsquo;s
time deposits and contractual obligations pursuant to County&rsquo;s FHLB advances and other borrowings:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="line-height: 115%; text-align: justify"><BR>
<BR>
<BR>
<BR>
<BR>
<B><U>March 31, 2019</U></B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<BR>
<B>Total</B><BR>
<B>Amounts</B><BR>
<B>Committed</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<BR>
<BR>
<B>One Year</B><BR>
<B>or Less</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>Over One</B><BR>
<B>Year</B><BR>
<B>Through</B><BR>
<B>Three</B><BR>
<B>Years</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Over</B><BR>
<B>Three</B><BR>
<B>Years</B><BR>
<B>Through</B><BR>
<B>Five</B><BR>
<B>Years</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<BR>
<BR>
<B>Over Five</B><BR>
<B>Years</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 43%; text-align: justify; line-height: 115%">Contractual obligations:</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">52,713</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">35,394</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">15,233</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">2,086</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">-</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FHLB advances and other borrowings</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">9,200</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">9,200</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">61,913</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">44,594</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">15,233</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">2,086</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; line-height: 115%">-</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Off-Balance Sheet Items </I></B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 24.5pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is party
to various financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its
customers. These financial instruments include commitments to extend credit under commercial lines of credit, revolving credit
lines, overdraft protection agreements and standby letters of credit. These instruments involve, to varying degrees, elements of
credit and interest rate risk in excess of the amounts recognized in the consolidated balance sheets. The contract amounts of the
instruments reflect the extent of County's involvement in particular classes of financial instruments. County's exposure to credit
loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby
letters of credit is represented by the contractual amount of these instruments. County uses the same credit policies in making
these commitments and conditional obligations as it does for on-balance-sheet instruments.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County evaluates
each customer's credit worthiness on a case-by-case basis. The amount of collateral obtained, if considered necessary by County
upon extension of credit, is based on management's credit evaluation of the customer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following is
a summary of the various financial instruments entered into by County as of the dates indicated:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>March&nbsp;31,&nbsp;2019</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>December&nbsp;31,&nbsp;2018</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>December&nbsp;31,&nbsp;2017</B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="8" STYLE="text-align: center; line-height: 115%"><B><I>(Dollars in thousands)</I></B></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 4%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 41%; text-align: justify; line-height: 115%">Unfunded commitments under lines of credit</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 12%; text-align: right; line-height: 115%">92,469</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 15%; text-align: right; line-height: 115%">96,561</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="vertical-align: bottom; width: 15%; text-align: right; line-height: 115%">55,217</TD>
    <TD STYLE="vertical-align: top; width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Commitments to grant loans</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">16,562</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">17,530</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">12,828</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">Commercial and standby letters of credit</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">97</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">72</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">82</TD>
    <TD STYLE="vertical-align: top; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Commitments to
Extend Credit. </I>Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition
established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment
of a fee. Since many of the commitments are expected to expire without being fully drawn upon, the total commitment amounts disclosed
above do not necessarily represent future cash requirements.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Standby Letters
of Credit. </I>Standby letters of credit are conditional commitments issued by County to guarantee the performance of a customer
to a third party. County's credit risk involved in issuing letters of credit is essentially the same as that involved in funding
loan facilities.</P>

<P STYLE="font: 1pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Liquidity and Capital Resources
</I></B></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Liquidity </I></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Liquidity is the
measure of County's ability to meet the cash flow requirements of depositors and borrowers, while at the same time meeting County's
operating, capital and strategic cash flow needs and to maintain reserve requirements to operate on an ongoing basis and manage
unexpected events, all at a reasonable cost. For the three months ended March 31, 2019 and the years ended December&nbsp;31, 2018
and 2017, County's liquidity needs have been met by core deposits, borrowed funds, security and loan maturities and amortizing
investment and loan portfolios. County has access to purchased funds from correspondent banks, and advances from the FHLB are
available under a security and pledge agreement to take advantage of investment opportunities.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County&rsquo;s cash
flows are primarily impacted by loan demand and core deposit growth.&nbsp; As the loan to deposit ratio increases there is less
reliance on investment activity to provide returns.&nbsp; Consequently, the investment portfolio is declining as maturities are
not reinvested. County makes use of Federal funds lines and short term borrowings from the Federal Home Loan Bank of Indianapolis
to manage demand mismatches between deposit growth and loan funding requirements and opportunities.&nbsp; County is primarily dependent
on core deposits generated from its market areas for funding.</P>



<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Capital Resources
</I></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is subject
to various regulatory capital requirements administered by bank regulators. Capital adequacy guidelines and, additionally for banks,
prompt corrective action regulations, involve quantitative measures and risk weighting of assets, liabilities, and certain off-balance
sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative
judgments by regulators about components, risk weighting and other factors.</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Failure to meet
the minimum regulatory capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators
that, if undertaken, could have a direct material effect on County's consolidated financial statements. County believes, as of
March 31, 2019, December&nbsp;31, 2018 and December&nbsp;31, 2017, that it met all of the capital adequacy requirements to which
it was subject.</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of March 31, 2019, the date of the most recent notification from the Michigan Department of Insurance and
Financial Services, Lakestone Bank was categorized as well capitalized under the regulatory framework for prompt corrective action.
There are no conditions or events since that notification that County believes has changed Lakestone Bank's prompt corrective action
category.</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table provides a comparison of Lakestone Bank's leverage and risk-weighted capital ratios as
of March 31, 2019 and December&nbsp;31, 2018 to the minimum and well-capitalized regulatory standards:</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<BR>
<BR>
<FONT STYLE="font-size: 9pt"><B>Actual</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<FONT STYLE="font-size: 9pt"><B>Minimum Required</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>For Capital</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Adequacy Purposes</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Minimum Required</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>To Be Categorized</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>As Well Capitalized Under Prompt Corrective Action</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>Provisions</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>&nbsp;</B></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Ratio</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Ratio</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Amount</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Ratio</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="14" STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B><I>(Dollars in thousands)</I></B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 46%; text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Lakestone Bank &amp; Trust</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of March 31, 2019</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to risk weighted assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">66,655</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">15.6</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">34,273</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">42,841</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common Equity Tier 1 Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to risk weighted assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">64,965</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">15.2</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">19,279</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.5</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">27,847</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6.5</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tier 1 Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to risk weighted assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">64,965</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">15.2</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">25,705</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">34,273</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tier 1 Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to average tangible assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">64,965</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10.4</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">25,035</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">31,294</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As of December 31, 2018</B></FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to risk weighted assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">65,607</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">16.1</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">32,579</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">40,723</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common Equity Tier 1 Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to risk weighted assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">63,910</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">15.7</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">18,325</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.5</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">26,470</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6.5</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tier 1 Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to risk weighted assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">63,910</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">15.7</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">24,434</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">6.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">32,579</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">8.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; line-height: 115%"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tier 1 Capital</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(to average tangible assets)</FONT></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">63,910</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">10.3</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">24,850</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">4.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">31,063</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">5.0</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The above minimum
capital requirement disclosures do not include the capital conservation buffer required to avoid limitations on capital distributions,
including dividend payments and certain discretionary bonus payments to executive officers. The capital conservation buffer was
phased in from 0.0% for 2015 to 2.50% by January 1, 2019. The capital conservation buffer was 2.50% at March 31, 2019 and 1.875%
at December 31, 2018. The net unrealized gain or loss on available-for-sale securities is not included in computing regulatory
capital.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Quantitative and Qualitative Disclosures
about Market Risk </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County manages market risk, which for County is primarily interest rate risk related to the operations of
its subsidiary bank, through the Asset-Liability Committee of Lakestone Bank. This committee is composed of certain members of
the Lakestone Bank board of directors in accordance with asset liability and funds management policies approved by the full board
of directors of Lakestone Bank. Lakestone Bank uses an interest rate risk simulation model and shock analysis to test the interest
rate sensitivity of net interest income and fair value of equity, and the impact of changes in interest rates on other financial
metrics.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
summarizes the simulated change in net interest income and the economic value of equity over a 12-month horizon as of the dates
indicated:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent Change in Net Interest Income</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>Percent Change in Economic Value of Equity</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center; line-height: 115%; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 9pt"><B>Change in Interest Rates</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>(Basis Points)</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of March 31,</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of December&nbsp;31,</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>2018</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of March 31,</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>2019</B></FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt"><B>As of December&nbsp;31,</B></FONT><BR>
<FONT STYLE="font-size: 9pt"><B>2018</B></FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 30%; text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">+300</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(7.95</FONT></TD>
    <TD STYLE="width: 5%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)%</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(5.81</FONT></TD>
    <TD STYLE="width: 4%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)%</FONT></TD>
    <TD STYLE="width: 2%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(10.88</FONT></TD>
    <TD STYLE="width: 5%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)%</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(11.20</FONT></TD>
    <TD STYLE="width: 6%; text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">+200</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(4.89</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(3.51</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(6.75</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(7.20</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">+100</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(2.14</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(1.49</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(2.92</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">(3.30</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: center; line-height: 115%"><FONT STYLE="font-size: 9pt">-100</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.73</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.06</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">0.00</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%"><FONT STYLE="font-size: 9pt">1.40</FONT></TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Critical Accounting Policies </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The consolidated
financial statements of County include its accounts and those of its wholly-owned subsidiary, Lakestone Bank. All significant intercompany
balances and transactions have been eliminated in consolidation. The accounting and reporting policies of all these entities are
in accordance with accounting principles generally accepted in the United States of America.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County has identified
the following accounting policies and estimates that, due to the difficult, subjective or complex judgments and assumptions inherent
in those policies and estimates and the potential sensitivity of its financial statements to those judgments and assumptions, are
critical to an understanding of its financial condition and results of operations. County believes that the judgments, estimates
and assumptions used in the preparation of its financial statements are appropriate. County's accounting policies are integral
to understanding its results of operations.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Allowance for
Loan Losses </I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The allowance for
loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income. Loan
losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent
recoveries, if any, are credited to the allowance.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The allowance for
loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectability
of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect
the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation
is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The allowance consists
of allocated and general components. The allocated component relates to loans that are classified as impaired. For those loans
that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable
market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans
and is based on historical charge-off experience and expected loss given default derived from County's internal risk rating process.
Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit
quality that are not fully reflected in the historical loss or risk rating data.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A loan is considered
impaired when, based on current information and events, it is probable that County will be unable to collect the scheduled payments
of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in
determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest
payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.
Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration
all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the
borrower's prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured
on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted
at the loan's effective interest rate, the loan's obtainable market price or the fair value of the collateral if the loan is collateral
dependent.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Groups of loans
with similar risk characteristics are collectively evaluated for impairment based on the group's historical loss experience adjusted
for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, County does not separately
identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring
agreement due to financial difficulties of the borrower.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0"><B>Recently Issued
Accounting Pronouncements </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">See Note 1 &#8211;
Summary of Significant Accounting Policies in the notes to County's consolidated financial statements included elsewhere with this
document regarding the impact of new accounting pronouncements which County has adopted.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Changes in and Disagreements with
Accountants on Accounting and Financial Disclosure </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">None.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_107"></A>COUNTY'S
CONSOLIDATED FINANCIAL STATEMENTS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County's consolidated financial
statements for the quarterly period ended March 31, 2019 and for the fiscal years ended December 31, 2018 and December 31, 2017
are included as Annex G to this joint proxy statement and prospectus and incorporated by reference herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><B>Certain Directors and Executive
Officers of County Continuing with ChoiceOne After the Merger</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><I>Bruce
J. Cady &ndash; Chairman of the Board and Chief Executive Officer (age 67).</I> Mr. Cady currently serves as Chairman of the Board
and Chief Executive Officer of County. Mr. Cady has been the Chief Executive Officer of Lakestone Bank (formerly known as Lapeer
County Bank &amp; Trust Co.), a subsidiary of County, since July 1, 2007. Mr. Cady served as Executive Vice President&nbsp;of
Lapeer County Bank &amp; Trust Co. from 2002 to 2006 and as President from 2006 to 2007. Mr. Cady began his banking career in
1975 with National Bank of Detroit. &nbsp;He worked his way up to increasing roles of responsibilities, with stops at First of
America and National City, before moving to Lapeer County Bank &amp; Trust Co. in 1999. &nbsp;Mr. Cady was named Community Banker
Of The Year by Community Bankers of Michigan in 2018, and he was named a finalist by Ernst &amp; Young LLP for the Entrepreneur
Of The Year 2019 Award in The Michigan and Northwest Ohio Region.&nbsp; Mr. Cady is also actively involved in the local community
and promotes civil involvement by Lakestone Bank.&nbsp; His role as a key member of the committee that brought Emergency 911 Dispatch
to Lapeer County is just one example of his contributions to the community. &nbsp;Mr. Cady received his Business Administration
degree from the University of Arizona in 1975.&nbsp; With several decades of banking experience, Mr. Cady&rsquo;s business and
managerial expertise, along with his community involvement and proven leadership skills, qualify him to serve as County&rsquo;s
Chairman of the Board and Chief Executive Officer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><I>Michael J. Burke
&ndash; Director and President (age 49).</I> Mr. Burke currently serves as a director and President of County and a director and
President/Chief Operating Officer of Lakestone Bank. Mr. Burke has been with Lakestone Bank since December 2016 following the merger
of Capac Bancorp, Inc. and County. Previously Mr. Burke served as a director and President/CEO of Capac Bancorp Inc. and CSB Bank
since February 2012. Prior to joining Capac Bancorp Inc. and CSB Bank, Mr. Burke spent 11 years working as an Area Manager for
JPMorgan Chase &amp; Co., which involved him managing a team of business bankers that covered three counties in Michigan, including
Lapeer County.&nbsp; Mr. Burke is actively involved in the Community Bankers of Michigan organization, including serving in officer
positions, which allows him to interact and collaborate with executives from other Michigan banks.&nbsp; Mr. Burke received his
Bachelor of Business Administration and Finance degree from the University of Michigan-Flint in 2004.&nbsp; Mr. Burke&rsquo;s extensive
business and banking background, as well as his perspective and institutional knowledge, qualify him to serve as a director and
the President of County.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><B>Compensation Committee Interlocks
and Insider Participation</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">There are no compensation
committee interlocks with respect to Mr. Cady or Mr. Burke.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: justify"><B>Transactions with Related
Persons</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Lakestone Bank has
outstanding loans to certain related persons, including certain of its directors and officers.&nbsp; Such loans are made in the
ordinary course of business, are made on substantially the same terms, including interest rates and collateral, as those prevailing
at the time for comparable loans with persons not related to Lakestone Bank, and do not involve more than normal risk of collectability
or present other unfavorable features.</P>



<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0.5in"><I>&nbsp;</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B></B></FONT></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><A NAME="a_108"></A>BENEFICIAL
OWNERSHIP OF COUNTY COMMON STOCK BY</B></FONT><BR>
<FONT STYLE="text-transform: uppercase"><B>MANAGEMENT AND PRINCIPAL SHAREHOLDERS OF COUNTY</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table
sets forth information with respect to the beneficial ownership of County common stock as of March 31, 2019, subject to certain
assumptions set forth in the footnotes, for:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.65pt"></TD><TD STYLE="width: 18.35pt">&#8226;</TD><TD STYLE="text-align: justify">each shareholder, or group of affiliated shareholders, who County knows beneficially owns more
than 5.0% of the outstanding shares of County common stock;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.65pt"></TD><TD STYLE="width: 18.35pt">&#8226;</TD><TD STYLE="text-align: justify">each of County's directors;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.65pt"></TD><TD STYLE="width: 18.35pt">&#8226;</TD><TD STYLE="text-align: justify">each of County's named executive officers; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 35.65pt"></TD><TD STYLE="width: 18.35pt">&#8226;</TD><TD STYLE="text-align: justify">all of County's executive officers and directors as a group.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County is not aware
of any shareholder, or group of affiliated shareholders, who beneficially owns more than 5.0% of the outstanding shares of County
common stock. Beneficial ownership is determined in accordance with rules of the SEC and generally includes any shares over which
a person exercises sole or shared voting and/or investment power. Except as otherwise indicated, County believes the beneficial
owners of County common stock listed below, based on information furnished by them, have sole voting and investment power with
respect to the number of shares listed opposite their names.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">Unless
otherwise indicated, the address of each of the individuals named in the table below under &quot;Named Executive Officers and Directors&quot;
is c/o County Bank Corp., 83 West Nepessing Street, Lapeer, Michigan 48446.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="background-color: white">&nbsp;</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font: 10pt Times New Roman, Times, Serif; width: 90%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: justify; line-height: 115%"><BR>
<B>Name</B></TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; border-bottom: Black 1pt solid; padding-left: 0.1in; text-align: center; line-height: 115%; text-indent: -0.3pt"><B>Number Shares</B><BR>
<B>Beneficially Owned</B></TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; padding-left: 0.2pt; text-align: center; line-height: 115%"><B>Percentage</B><BR>
<B>Beneficially Owned</B></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%"><B>Named Executive Officers and Directors</B></TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom; padding-right: 39.9pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 0.2pt; text-align: center; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; width: 50%; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bruce J. Cady</TD>
    <TD STYLE="vertical-align: top; width: 2%; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 16%; padding-left: 0.1in; text-align: right; line-height: 115%">2,555</TD>
    <TD STYLE="vertical-align: bottom; width: 6%; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 24%; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Michael J. Burke, Jr.</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">699</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Harold J. Burns</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">2,066</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Eric E. (Rick) Burrough</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">61,000</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.2pt; text-align: center; line-height: 115%">3.5%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;David H. Bush, O.D.</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">59,403</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.2pt; text-align: center; line-height: 115%">3.4%</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;David J. Churchill, J.D.</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">2,700</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Curt E. Coulter, D.O.</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">1,270</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Patrick A. Cronin</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">2,973</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Daniel J. Duncan</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">9,096</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gary M. Gariglio</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">600</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gregory A. McConnell</TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; padding-bottom: 1pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt; padding-left: 0.1in; text-align: right; line-height: 115%; text-indent: -0.3pt">13,012</TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Timothy L. Oesch, CPA</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">6,082</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott D. Sheldon</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">2,612</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Michelle M. Wendling</TD>
    <TD STYLE="vertical-align: top; padding-right: 0.55in; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-left: 0.1in; text-align: right; line-height: 115%">720</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.45pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Joseph H. Black</TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; padding-bottom: 1pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt; padding-left: 0.1in; text-align: right; line-height: 115%; text-indent: -0.3pt">114</TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shelly M. Childers</TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; padding-bottom: 1pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt; padding-left: 0.1in; text-align: right; line-height: 115%; text-indent: -0.3pt">20</TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">*</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; padding-left: 12pt; text-indent: -12pt; line-height: 115%"><B>5% Shareholders; None</B></TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; padding-bottom: 1pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt; padding-left: 0.1in; text-align: right; line-height: 115%; text-indent: -0.3pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; padding-left: 13.5pt; text-indent: -12pt; line-height: 115%"><B>All Executive Officers and Directors as a </B><BR>
<B>group (16 persons)</B>&#9;</TD>
    <TD STYLE="vertical-align: top; padding-right: 39.9pt; padding-bottom: 1pt; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt; padding-left: 0.1in; text-align: right; line-height: 115%; text-indent: -0.3pt"><B>164,922</B></TD>
    <TD STYLE="vertical-align: bottom; padding-bottom: 1pt; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-bottom: 1pt; text-align: center; line-height: 115%; text-indent: 1.5pt">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; padding-bottom: 1pt; padding-left: 0.2pt; text-align: center; line-height: 115%"><B>11.2%</B></TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 12.2pt">*</TD><TD STYLE="text-align: justify">Amount represents between 0% and 1.0% of outstanding common stock.</TD></TR></TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 7.85pt 6.25pt 0 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 7.85pt 6.25pt 0 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_109"></A>DISSENTERS' RIGHTS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Dissenters' rights
are rights that, if available under law, enable shareholders to dissent from an extraordinary transaction, such as a merger, and
to demand that the corporation pay the fair value for their shares as determined by a court in a judicial proceeding instead of
receiving the consideration offered to shareholders in connection with the extraordinary transaction. The holders of ChoiceOne
capital stock are not entitled to dissenters' rights in connection with the merger under Michigan law or otherwise.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Under the provisions
of Section 762 of the Michigan Business Corporation Act (&quot;MBCA&quot;), a County shareholder may dissent from the merger and
be paid the fair value of shares held by such shareholder by complying with the procedures set forth in Sections 761 through 774
of the MBCA. If a County shareholder does not vote for approval of the merger agreement at the County special meeting, and delivers
written notice of dissent before the County special meeting, the County shareholder has the right to receive the fair value of
shares if the merger is approved and consummated. A County shareholder may not dissent as to less than all of the shares that such
County shareholder owns.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you are a County
shareholder and wish to dissent, you must follow certain required procedures. To claim dissenters' rights, you must:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;not
vote for or consent in writing to the approval of the merger agreement; and</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deliver
to County, before the vote of the County shareholders is taken on the merger agreement, written notice that you intend to demand
payment for your shares if the merger agreement is approved by the shareholders and the transactions contemplated by the merger
agreement are completed.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">Within ten days
after the date on which the County shareholders approve the merger agreement, County must give notice to each shareholder who properly
demanded the right to receive the fair value of his or her shares. If you are a dissenting shareholder, you must, within the timeframe
set in the notice provided by County, file with County a written demand for payment, certify that you acquired beneficial ownership
of the shares before the date of the first announcement of the terms of the merger, and deposit your certificates in accordance
with the terms of the notice. If you properly demand payment and deposit your share certificates, you will retain all other rights
of a shareholder until those rights are canceled or modified by the taking of the actions contemplated by the merger agreement.
If you do not demand payment or deposit your share certificates as required in the notice, you lose your dissenters' rights.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A copy of Sections
761 through 774 of the MBCA is attached as Annex D to this Proxy Statement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_110"></A>LEGAL MATTERS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The validity of
the shares of ChoiceOne common stock to be issued pursuant to the merger will be passed upon by Warner Norcross + Judd LLP,
111 Lyon Street NW, Suite 900, Grand Rapids, Michigan 49503. The material U.S. federal income tax consequences relating to the
merger will be passed upon for ChoiceOne by Warner Norcross + Judd LLP and for County by Hunton Andrews Kurth LLP, 1445 Ross
Avenue, Suite 3700, Dallas, Texas 75202-2799<FONT STYLE="font-family: UICTFontTextStyleBody,serif">.</FONT></P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_111"></A><B>EXPERTS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The consolidated financial statements of ChoiceOne as of December 31, 2018 and 2017 and for each of the years
in the three-year period ended December 31, 2018, and management's assessment of the effectiveness of internal control over financial
reporting as of December 31, 2018, each appearing in ChoiceOne's Annual Report on Form 10-K for the year ended December 31, 2018,
have been incorporated by reference herein and in the registration statement in reliance upon the reports of Plante &amp; Moran,
PLLC, an independent registered public accounting firm, which reports have been incorporated by reference herein and in the registration
statement by inclusion of such reports in ChoiceOne's Annual Report on Form 10-K for the year ended December 31, 2018, and upon
the authority of said firm as experts in accounting and auditing.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The consolidated
financial statements of County as of and for each of the years ended December 31, 2018 and 2017 have been included herein in reliance
upon the report of Crowe LLP, independent auditor, appearing elsewhere herein, and upon the authority of said firm as an expert
in accounting and auditing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_112"></A>SHAREHOLDER PROPOSALS</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A ChoiceOne shareholder
seeking to present a proposal at a ChoiceOne annual meeting of shareholders must provide notice to the Secretary of ChoiceOne not
less than 120 calendar days prior to the date corresponding to the date of ChoiceOne's proxy statement or notice of meeting released
to shareholders in connection with the last preceding annual meeting of shareholders in the case of an annual meeting (unless ChoiceOne
did not hold an annual meeting within the last year, or if the date of the upcoming annual meeting changed by more than 30 days
from the date of the last preceding meeting, then the notice must be provided not more than seven days after the earlier of the
date of the notice of the meeting or public disclosure of the date of the meeting), and not more than seven days after the earlier
of the date of the notice of the meeting or public disclosure of the date of the meeting in the case of a special meeting. A ChoiceOne
shareholder seeking to include a proposal in ChoiceOne's proxy statement and form of proxy relating to a meeting of shareholders
must submit the proposal to ChoiceOne in accordance with the rules and regulations of the Securities Exchange Act of 1934. With
respect to ChoiceOne's 2020 annual meeting of shareholders, the deadline to submit a notice of a proposal and to include a proposal
in ChoiceOne's proxy statement and form of proxy relating to the meeting is December 21, 2019.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A ChoiceOne shareholder
seeking to nominate an individual for election as a ChoiceOne director must provide notice to the Secretary of ChoiceOne not less
than 120 days prior to the date of the election meeting in the case of an annual meeting, and not more than seven days following
the date of notice of the meeting in the case of a special meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County does not
currently anticipate holding an annual meeting of shareholders in 2020. A summary of how a County shareholder may nominate an individual
for election as a director or propose a shareholder action at a meeting of the County shareholders is provided in the section entitled
&quot;Comparison of Rights of Shareholders&quot; beginning on page 96.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_113"></A>OTHER MATTERS PRESENTED AT THE MEETINGS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">As of the date of this joint proxy statement and prospectus, neither the ChoiceOne board of directors nor
the County board of directors knows of any matters that will be presented for consideration at either the ChoiceOne special meeting
or the County special meeting, respectively, other than as described in this joint proxy statement and prospectus. If any <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">other
matters come before either the ChoiceOne special meeting or the County special meeting or any adjournment or postponement thereof
and are voted upon, the form of proxy will be deemed to confer authority to the individuals named as authorized therein to vote
the shares represented by the proxy and the persons named in the form of proxy and acting thereunder will vote in accordance with
their discretion on such matters</FONT>.</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="a_114"></A>WHERE YOU CAN FIND MORE INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">ChoiceOne files
annual, quarterly and current reports, proxy statements and other information with the SEC under the Exchange Act. ChoiceOne files
such reports and other information with the SEC electronically, and the SEC maintains an internet website located at www.sec.gov
containing this information. The reports and other information that ChoiceOne files with the SEC is also available at its website,
www.choiceone.com. Information included on ChoiceOne's website is not incorporated by reference into this joint proxy statement
and prospectus.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You can obtain any
reports, proxy statements or other information filed by ChoiceOne with the SEC, without charge, electronically at the SEC's website
above. In addition, ChoiceOne will provide you with copies of any reports, proxy statements or other information filed by ChoiceOne
with the SEC, without charge, upon written or oral request to: ChoiceOne Financial Services, Inc., 109 East Division, Sparta, Michigan
49345, Attn: Thomas L. Lampen, phone number: (616) 887-7366.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">County does not
file reports or other information with the SEC. If you would like to request documents from County, please send a request in writing
or by telephone to County at the following address or phone number:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">County Bank Corp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">83 West Nepessing Street</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">Lapeer, Michigan 48446</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">(810) 664-2977</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">Attention: Joseph H. Black</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">To receive timely
delivery of these documents in advance of the special meetings, you must make your request by September 11, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">You should rely only on
the information contained in or incorporated by reference into this joint proxy statement and prospectus. We have not authorized
anyone to provide you with information that is different from what is contained in or incorporated by reference into this joint
proxy statement and prospectus. The information contained in this joint proxy statement and prospectus speaks only as of the date
of this joint proxy statement and prospectus unless the information specifically indicates that another date applies. You should
not assume that the information contained in this joint proxy statement and prospectus is accurate as of any date other than the
date of this joint proxy statement and prospectus, and neither the delivery of this joint proxy statement and prospectus to you
nor the issuance of ChoiceOne common stock under it shall create any implication to the contrary.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">If you are in a
jurisdiction where offers to exchange or sell, or solicitations of offers to exchange or purchase, the securities offered by this
joint proxy statement and prospectus or the solicitation of proxies is unlawful, or if you are a person to whom it is unlawful
to direct these types of activities, then the offer presented in this joint proxy statement and prospectus does not extend to you.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">This document contains
a description of the representations and warranties that each of ChoiceOne and County made to the other in the merger agreement.
Representations and warranties made by ChoiceOne, County and other applicable parties are also set forth in contracts and other
documents (including the merger agreement) that are attached or filed as exhibits to this document or are incorporated by reference
into this document. These materials are included or incorporated by reference only to provide you with information regarding the
terms and conditions of the agreements, and not to provide any other factual information regarding ChoiceOne, County or their businesses.
Accordingly, the representations and warranties and other provisions of the merger agreement should not be read alone, but instead
should be read only in conjunction with the other information provided elsewhere in this document or incorporated by reference
into this document.</P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_115"></A>INCORPORATION OF CERTAIN INFORMATION BY
REFERENCE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following documents
filed by ChoiceOne with the SEC are incorporated by reference into this joint proxy statement and prospectus. You should carefully
read and consider all of these documents before making an investment decision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The description of ChoiceOne Financial Services, Inc. common stock contained in the Registrant's registration statement
on Form S-4, filed on August 11, 2006, as amended on September 11, 2006, including any further amendment or report filed hereafter
for the purpose of updating such description.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>ChoiceOne's annual report on Form 10-K for the fiscal year ended December 31, 2018.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>ChoiceOne's quarterly report on Form 10-Q for the quarter ended March 31, 2019.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>ChoiceOne's definitive Proxy Statement on Schedule 14A for its 2019 annual meeting of shareholders, filed April 19, 2019.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">(e)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>ChoiceOne's Current Reports on Form 8-K filed <FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 115%">March
4, 2019, March 28, 2019 and May 23, 2019 and ChoiceOne's Current Report on Form 8-K/A filed March 25, 2019 (other than those portions
of the documents deemed to be furnished and not filed)</FONT>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-weight: normal">ChoiceOne
also incorporates by reference all documents that it may file with the SEC pursuant to Sections 13(a), 13(c), 14, or 15(d) of the
Exchange Act after the date of this joint proxy statement and prospectus and prior to the date of the special meeting (except,
with respect to each of the foregoing, for portions of such reports which are deemed to be furnished and not filed). Such documents
are considered to be a part of this joint proxy statement and prospectus, effective as of the date such documents are filed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0in">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 30pt; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="annexa"></A>ANNEX
A</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 30pt; text-align: center"><U>AGREEMENT AND PLAN OF MERGER</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 30pt; text-align: center"><U>BY AND BETWEEN</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 30pt; text-align: center"><FONT STYLE="text-transform: uppercase"><U>COUNTY
BANK CORP.</U></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 30pt; text-align: center"><U>AND</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 30pt; text-align: center"><U>CHOICEONE FINANCIAL SERVICES,
INC.</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: center"><U>Dated as of March 22, 2019</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B><U>Table
of Contents</U></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE I THE MERGER</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-1</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 10pt">1.1</FONT></TD>
    <TD STYLE="width: 84%"><FONT STYLE="font-size: 10pt">Merger</FONT></TD>
    <TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">A-1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">1.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">The Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">1.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Effective Time of Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">1.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Additional Actions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">1.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Surviving Corporation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">1.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Reservation of Right to Revise Structure</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE II EFFECT OF MERGER ON CAPITAL STOCK</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-3</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conversion of Securities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Surrender of Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Distributions with Respect to Unexchanged Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Termination of Exchange Fund</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Further Ownership Rights in CBC Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Fractional Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Liability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Lost, Stolen or Destroyed Certificates</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Withholding Rights</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investment of Exchange Fund</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Adjustments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">2.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Dissenting Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE III CBC'S REPRESENTATIONS AND WARRANTIES</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-6</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authorization, No Conflicts, Etc.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Organization and Good Standing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Subsidiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Capital Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Absence of Undisclosed Liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Legal Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Regulatory Filings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Indemnification Claims</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conduct of Business</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Experience</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Agreements With Bank Regulators</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-11</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.16</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.17</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Required Licenses, Permits, Etc.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.18</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Material Contracts and Change of Control</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.19</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Labor and Employment Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.20</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.21</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.22</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Duties as Fiduciary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.23</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investment Bankers and Brokers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.24</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Fairness Opinion</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.25</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">CBC-Related Persons</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.26</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Change in Business Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.27</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.28</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Books and Records</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.29</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loan Guarantees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.30</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Data Security and Customer Privacy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-18</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 6%"><FONT STYLE="font-size: 10pt">3.31</FONT></TD>
    <TD STYLE="width: 84%"><FONT STYLE="font-size: 10pt">Allowance for Loan and Lease Losses</FONT></TD>
    <TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.32</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loans and Investments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.33</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loan Origination and Servicing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.34</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Securities Laws Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.35</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Joint Ventures; Strategic Alliances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.36</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Policies and Procedures</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.37</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Shareholder Rights Plan; Takeover Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">3.38</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations and Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE IV CHOICEONE'S REPRESENTATIONS AND WARRANTIES</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-20</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Authorization, No Conflicts, Etc.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-20</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Organization and Good Standing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Subsidiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Capital Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Absence of Undisclosed Liabilities</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Legal Proceedings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Regulatory Filings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Indemnification Claims</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conduct of Business</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Experience</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Agreements With Bank Regulators</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Tax Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Properties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-25</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.16</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-26</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.17</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Required Licenses, Permits, Etc.</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-27</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.18</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Material Contracts and Change of Control</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-27</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.19</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Labor and Employment Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.20</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Employee Benefits</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.21</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Environmental Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-31</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.22</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Duties as Fiduciary</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.23</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Investment Bankers and Brokers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.24</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Fairness Opinion</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.25</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">ChoiceOne-Related Persons</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.26</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Change in Business Relationships</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.27</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.28</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Books and Records</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.29</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loan Guarantees</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.30</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Data Security and Customer Privacy</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.31</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Allowance for Loan and Lease Losses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.32</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loans and Investments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.33</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Loan Origination and Servicing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.34</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Securities Laws Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.35</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Joint Ventures; Strategic Alliances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.36</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Policies and Procedures</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.37</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Shareholder Rights Plan; Takeover Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">4.38</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Other Representations and Warranties</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-35</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE V COVENANTS</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-35</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conduct of Business by CBC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-35</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conduct of Business by ChoiceOne</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-38</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Solicitation by CBC</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-42</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Solicitation by ChoiceOne</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-45</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Preparation of the Joint Proxy Statement and Registration Statement; Shareholders' Meetings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-47</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Regulatory Matters and Approvals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-48</FONT></TD></TR>
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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 10pt">5.7</FONT></TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-size: 10pt">Governance Matters</FONT></TD>
    <TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">A-49</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Press Releases and Public Announcement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-50</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Access to Information</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-50</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Indemnification and Insurance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-51</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Takeover Laws</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Section 16 Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Securityholder Litigation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Tax-Free Reorganization Treatment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Pre-Merger Special Dividend</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-53</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.16</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Dividends</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-53</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.17</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-53</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.18</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Fairness Opinion</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-53</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.19</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Employee Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-54</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.20</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Nasdaq Listing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-55</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.21</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Transaction Documents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-56</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.22</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Call Reports</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-56</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.23</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Section 280G Mitigation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-56</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">5.24</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Financial Statements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-57</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE VI CLOSING CONDITIONS</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-57</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conditions to Each Party's Obligation to Effect the Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-57</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conditions to CBC's Obligation to Effect the Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-57</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">6.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Conditions to ChoiceOne's Obligation to Effect the Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-58</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE VII TERMINATION</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-60</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">7.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Termination of Plan of Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-60</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">7.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Effect of Termination</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-61</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE VIII CERTAIN DEFINITIONS</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-63</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt"><B>ARTICLE IX MISCELLANEOUS</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt"><B>A-70</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.1</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">No Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.2</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.3</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.4</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Succession and Assignment</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.5</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Construction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.6</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Exclusive Jurisdiction; Venue</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.7</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.8</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.9</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Governing Law</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.10</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.11</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Headings</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.12</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Calculation of Dates and Deadlines</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.13</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.14</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Non-Survival of Representations, Warranties and Agreements</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">9.15</FONT></TD>
    <TD><FONT STYLE="font-size: 10pt">Amendments</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">A-72</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><U>AGREEMENT AND PLAN OF MERGER</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">This Agreement and Plan
of Merger (this &quot;<B><I>Plan of Merger</I></B>&quot;) is made as of March 22, 2019, by and between COUNTY BANK CORP., a Michigan
corporation (&quot;<B><I>CBC</I></B>&quot;), and CHOICEONE FINANCIAL SERVICES, INC., a Michigan corporation (&quot;<B><I>ChoiceOne</I></B>&quot;).</P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: center">PRELIMINARY STATEMENT</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">1.</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The respective Boards of Directors of each of CBC and ChoiceOne have determined that it is
in the best interests of their respective corporations and shareholders that CBC and ChoiceOne engage in a business combination
in order to continue and advance their respective long-term business strategies and goals; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">2.</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The respective Boards of Directors of each of CBC and ChoiceOne have approved the merger
of CBC with and into ChoiceOne (the &quot;<B><I>Merger</I></B>&quot;) in accordance with the terms of this Plan of Merger, the
Michigan Business Corporation Act and any rules or regulations promulgated thereunder (the &quot;<FONT STYLE="font-family: Times New Roman, Times, Serif"><B><I>MBCA</I></B></FONT>&quot;)
and any other applicable Law; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">3.</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The CBC Board of Directors has, in light of and subject to the terms and conditions set forth
in this Plan of Merger, (a)&nbsp;determined that the terms of this Plan of Merger are fair to and in the best interests of CBC
and the CBC Shareholders, and (b) adopted this Plan of Merger, authorized the transactions contemplated by it and resolved to
recommend approval by the CBC Shareholders of this Plan of Merger; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">4.</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The ChoiceOne Board of Directors has, in light of and subject to the terms and conditions
set forth in this Plan of Merger, (a)&nbsp;determined that the terms of this Plan of Merger are fair to and in the best interests
of ChoiceOne and the ChoiceOne Shareholders, and (b) adopted this Plan of Merger, authorized the transactions contemplated by
it and resolved to recommend approval by the ChoiceOne Shareholders of (i) this Plan of Merger and (ii) an increase in the authorized
shares of ChoiceOne Common Stock from 7,000,000 shares to 12,000,000 shares (the &quot;<B><I>Increase in Common Stock</I></B>&quot;);
and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">5.</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For federal income tax purposes, it is intended that the Merger will qualify as a reorganization
under the provisions of Section 368(a) of the Internal Revenue Code of 1986, as amended (the &quot;<B><I>Code</I></B>&quot;),
and this Plan of Merger is intended to be, and is adopted as, a &quot;Plan of Reorganization&quot; within the meaning of Treasury
Regulations Sections 1.368&#45;2(g) and 1.368&#45;3(a) for purposes of Sections 354, 356 and 361 of the Code (and any comparable
provisions of Michigan law) for federal and applicable Michigan state income tax purposes; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt">6.</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All of the members of the ChoiceOne Board of Directors have executed and delivered to CBC
a voting agreement in their capacity as ChoiceOne Shareholders, and all of the members of the CBC Board of Directors have executed
and delivered to ChoiceOne a voting agreement in their capacity as CBC Shareholders. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">In consideration of the
representations, warranties, mutual covenants and agreements contained in this Plan of Merger, and for other good and valid consideration,
the receipt and sufficiency of which are hereby acknowledged, CBC and ChoiceOne agree as follows:</P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
I<BR>
THE MERGER</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">1.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Merger</I>. </FONT>Subject to the terms and conditions of this Plan of Merger, at the
Effective Time, CBC will be merged with and into ChoiceOne and the separate corporate existence of CBC will cease. CBC and ChoiceOne
are each sometimes referred to as a &quot;<B><I>Constituent Corporation</I></B>&quot; prior to the Merger. At the Effective Time,
the Constituent Corporations will become a single corporation, which corporation will be ChoiceOne (sometimes referred to as the
&quot;<B><I>Surviving Corporation</I></B>&quot;). The effect of the Merger upon each of the Constituent Corporations and the Surviving
Corporation will be as provided in Chapter Seven of the MBCA with respect to the merger of domestic corporations. Without limiting
the generality of the foregoing, and subject to the MBCA, at the Effective Time: (a) all the rights, privileges, powers, franchises,
licenses, and interests in and to every type of property (whether real, personal, or mixed) of CBC and ChoiceOne, will vest in
the Surviving Corporation, (b) all</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">choses in action of CBC and ChoiceOne will continue unaffected and uninterrupted by the Merger
and will accrue to the Surviving Corporation,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">and (c) all assets and liabilities of CBC
and ChoiceOne will become the assets and liabilities of the Surviving Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">1.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>The Closing</I>. </FONT>CBC and ChoiceOne will consummate the Merger (the&nbsp;&quot;<B><I>Closing</I></B>&quot;)
(a) at the offices of Warner Norcross + Judd LLP, 900 Fifth Third Center, 111 Lyon Street N.W., Grand Rapids, Michigan, at 10:00
a.m., local time, on a date no later than the fifth Business Day immediately following the day on which the last of the conditions
to Closing contained in <I>Article VI</I> (other than any conditions that by their nature are to be satisfied at the Closing)
is satisfied or waived in accordance with this Plan of Merger or (b) at such other place and time or on such other date as CBC
and ChoiceOne may mutually determine (the date on which the Closing actually occurs is referred to as the &quot;<B><I>Closing
Date</I></B>&quot;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">1.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Effective Time of Merger</I>. </FONT>On the Closing Date, CBC and ChoiceOne will each
promptly execute and file a certificate of merger as required by the MBCA to effect the Merger (the &quot;<B><I>Certificate of
Merger</I></B>&quot;). No party will take any action to revoke the Certificate of Merger after its filing without the written
consent of the other party. The &quot;<B><I>Effective Time</I></B>&quot; of the Merger will be as of the time and date when the
Merger becomes effective upon the filing of the Certificate of Merger with the Corporations, Securities &amp; Commercial Licensing
Bureau (Corporations Division) of the Michigan Department of Licensing and Regulatory Affairs or at such later time or date as
the parties may mutually determine and specify in the Certificate of Merger. CBC and ChoiceOne agree that, if requested by CBC
or ChoiceOne, the Effective Time will occur on either the last day of the month in which, or the first day of the month after
which, the Closing occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">1.4</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Additional Actions</I>. </FONT>At any time after the Effective Time, the Surviving Corporation
may determine that deeds, assignments, or assurances or any other acts are necessary or desirable to vest, perfect, or confirm,
of record or otherwise, in the Surviving Corporation its rights, title, or interest in, to, or under any of the rights, properties,
or assets of CBC and ChoiceOne acquired or to be acquired by the Surviving Corporation as a result of, or in connection with,
the Merger, or to otherwise carry out the purposes of this Plan of Merger. CBC and ChoiceOne hereby grant to the Surviving Corporation
an irrevocable power of attorney to execute and deliver all such deeds, assignments, and assurances and to do all acts necessary,
proper, or convenient to accomplish this purpose. This irrevocable power of attorney will only be operative following the Effective
Time and at such time the officers and directors of the Surviving Corporation will be fully authorized in the name of CBC and
ChoiceOne to take any and all such actions and execute all such instruments and documents contemplated by this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">1.5</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Surviving Corporation</I>. </FONT>At the Effective Time, the Surviving Corporation will
have the following attributes until they are subsequently changed in the manner provided by Law:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">1.5.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Name</I>. The name of the Surviving Corporation will be &quot;ChoiceOne Financial Services,
Inc.&quot;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">1.5.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Articles of Incorporation</I>. The articles of incorporation of the Surviving Corporation
will be the articles of incorporation of ChoiceOne as in effect immediately prior to the Effective Time, subject to <I>Section
5.7.2</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">1.5.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Bylaws</I>. The bylaws of the Surviving Corporation will be the bylaws of ChoiceOne as
in effect immediately prior to the Effective Time, subject to <I>Section 5.7.2</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">1.5.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Officers</I>. The officers of the Surviving Corporation will be as set forth in <I>Section
5.7</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">1.5.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Directors</I>. The directors of the Surviving Corporation will be as set forth in <I>Section
5.7</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">1.6</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Reservation of Right to Revise Structure</I>. </FONT>At ChoiceOne's or CBC's election,
the Merger may alternatively be structured so that (a)&nbsp;CBC is merged with and into a direct or indirect wholly-owned Subsidiary
of ChoiceOne or (b)&nbsp;any direct or indirect wholly-owned Subsidiary of ChoiceOne is merged with and into CBC; provided, however,
that no such change will (i)&nbsp;alter or change the amount or kind of the Merger Consideration or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">the treatment of the holders
of CBC Common Stock, (ii)&nbsp;prevent the parties from obtaining the opinions of counsel referred to in <I>Section&nbsp;6.2.5
</I>and <I>Section&nbsp;6.3.5</I> or otherwise cause the transaction to fail to qualify for the Intended Tax Treatment, or (iii)&nbsp;materially
impede or delay consummation of the transactions contemplated by this Plan of Merger. In the event of such an election, the parties
agree to execute an appropriate amendment to this Plan of Merger (to the extent such amendment only changes the method of effecting
the business combination and does not substantively affect this Plan of Merger or the rights and obligations of the parties or
their respective shareholders)&nbsp;in order to reflect such election.</P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
II<BR>
EFFECT OF MERGER ON CAPITAL STOCK</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Conversion of Securities</I>. </FONT>At the Effective Time, by virtue of the Merger and
without any action on the part of CBC, ChoiceOne or any other Person:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">2.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Cancellation of Excluded Shares</I>. Each share of CBC Common Stock that is owned by CBC
(or by any of its wholly-owned Subsidiaries) or ChoiceOne (or by any of its wholly-owned Subsidiaries) (collectively, the &quot;<B><I>Excluded
Shares</I></B>&quot;, <I>provided, however,</I> that Excluded Shares will not include Trust Account Shares or DPC Shares) immediately
before the Effective Time will automatically be canceled and cease to exist without delivery of any consideration in exchange
for or in respect of any Excluded Share.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">2.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Conversion of Common Stock</I>. E<FONT STYLE="font-family: Times New Roman, Times, Serif">ach
share of CBC Common Stock issued and outstanding immediately prior to the Effective </FONT>Time <FONT STYLE="font-family: Times New Roman, Times, Serif">(other
than the Excluded Shares) will be converted into the right to receive </FONT>2.0632 <FONT STYLE="font-family: Times New Roman, Times, Serif">(the
&quot;<B><I>Exchange Ratio</I></B>&quot;) fully paid and nonassessable shares of ChoiceOne Common Stock (the &quot;<B><I>Merger
Consideration</I></B>&quot;), </FONT>whereupon such shares of CBC Common Stock will no longer be outstanding and all rights with
respect to such shares of CBC Common Stock will cease to exist, except the right to receive the <FONT STYLE="font-family: Times New Roman, Times, Serif">Merger
Consideration, any cash in lieu of fractional shares payable pursuant to <I>Section 2.6</I>, and any dividends or other distributions
payable pursuant to <I>Section 2.3</I></FONT>, upon surrender of Certificates or Book-Entry Shares, in accordance with <I>Section
2.2</I><FONT STYLE="font-family: Times New Roman, Times, Serif">. </FONT>No interest will be paid or will accrue on any payment
to holders of Certificates or Book-Entry Shares pursuant to the provisions of this <I>Article II</I>.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Surrender of Shares.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">2.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Exchange Agent; Exchange Fund</I>. Prior to the Effective Time, ChoiceOne will deposit
with Continental Stock Transfer &amp; Trust Company or such other bank or trust company designated by ChoiceOne and reasonably
satisfactory to CBC (the &quot;<B><I>Exchange Agent</I></B>&quot;), for the benefit of the holders of CBC Common Stock as of immediately
prior to the Effective Time, whether represented by Certificates or held as Book-Entry Shares, shares of ChoiceOne Common Stock,
in the aggregate amount equal to the number of shares of ChoiceOne Common Stock to which holders of CBC Common Stock are entitled
based on the Exchange Ratio pursuant to <I>Section 2.1.2</I>. In addition, ChoiceOne will deposit with the Exchange Agent, prior
to the Effective Time and as necessary from time to time after the Effective Time, cash in an amount sufficient to make payment
in lieu of any fractional shares pursuant to <I>Section 2.6</I> and payment of any dividends or other distributions payable pursuant
to <I>Section 2.3</I>. All such shares of ChoiceOne Common Stock and cash deposited with the Exchange Agent pursuant to this <I>Section
2.2.1</I> is referred to as the &quot;<B><I>Exchange Fund</I></B>.&quot;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">2.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Exchange Procedure</I>. As soon as reasonably practicable after the Effective Time, ChoiceOne
will cause the Exchange Agent to mail to each holder of record of shares of CBC Common Stock (other than the Excluded Shares),
as of the Effective Time, a form of letter of transmittal (which will be in customary form and will specify that delivery will
be effected, and risk of loss and title to Certificates or Book-Entry Shares will pass, only upon proper delivery of such Certificates
or Book-Entry Shares to the Exchange Agent upon adherence to the procedures set forth in the letter of transmittal) and instructions
for use in effecting the surrender of Certificates or Book-Entry Shares in exchange for the Merger Consideration, any cash in
lieu of fractional shares payable pursuant to <I>Section 2.6</I> and any dividends or other distributions payable pursuant to
<I>Section 2.3</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">Upon surrender of
a Certificate or of Book-Entry Shares for cancellation to the Exchange Agent, together with such letter of transmittal, duly completed
and validly executed in accordance with the instructions thereto, and such other documents as may reasonably be required by the
Exchange Agent, each holder of a</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><BR>
</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">Certificate or of Book-Entry Shares will be entitled to receive in exchange therefor (a)&nbsp;book-entry
shares representing the number of whole shares of ChoiceOne Common Stock to which such holder is entitled pursuant to <I>Section
2.1.2</I>, (b)&nbsp;cash in lieu of any fractional shares payable pursuant to <I>Section 2.6</I>, and (c)&nbsp;any dividends or
distributions payable pursuant to <I>Section 2.3, </I>and such Certificates and Book-Entry Shares so surrendered will be canceled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">In the event of a
transfer of ownership of CBC Common Stock that is not registered in the transfer records of CBC, payment of the Merger Consideration
may be made to a Person other than the Person in whose name the Certificates or Book-Entry Shares so surrendered are registered
if certificates or other documentation are presented and are properly endorsed or otherwise in proper form for transfer, and the
Person requesting such payment will pay any transfer or other Taxes required by reason of the transfer or establish, to the reasonable
satisfaction of ChoiceOne, that such Taxes have been paid or are not applicable. Until surrendered as contemplated by this <I>Section
2.2.2</I>, each Certificate and Book-Entry Share will be deemed at any time after the Effective Time to represent only the right
to receive upon such surrender the Merger Consideration, any cash in lieu of fractional shares payable pursuant to <I>Section
2.6</I>, and any dividends or other distributions payable pursuant to <I>Section 2.3</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Distributions with Respect to Unexchanged Shares</I>. </FONT>No dividends or other distributions
with respect to ChoiceOne Common Stock with a record date on or after the Effective Time will be paid to the holder of any unsurrendered
Certificate or Book-Entry Share with respect to the shares of ChoiceOne Common Stock that the holder of such unsurrendered Certificate
or Book-Entry Share has the right to receive upon the surrender of such unsurrendered Certificate or Book-Entry Share, and no
cash payment in lieu of fractional shares of ChoiceOne Common Stock will be paid to any such holder pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section
2.6</I></FONT>, until the holder of such Certificate or Book-Entry Share will have surrendered such Certificate or Book-Entry
Share in accordance with this <I>Article II</I>. Subject to escheat or other applicable Law, following the surrender of any Certificate
or Book-Entry Share, there will be paid to the record holder of whole shares of ChoiceOne Common Stock issued in exchange therefor,
without interest, with respect to such whole shares of ChoiceOne Common Stock (a)&nbsp;at the time of such surrender, the amount
of dividends or other distributions with a record date and a payment date on or after the Effective Time and on or prior to the
date of such surrender and the amount of any cash payable in lieu of a fractional share of ChoiceOne Common Stock to which such
holder is entitled pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section 2.6</I></FONT> and (b)&nbsp;at
the appropriate payment date, the amount of dividends or other distributions with a record date on or after the Effective Time
but prior to such surrender and a payment date subsequent to such surrender payable with respect to such whole shares of ChoiceOne
Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.4</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Termination of Exchange Fund</I>. </FONT>Any portion of the Exchange Fund that remains
undistributed to holders of Certificates or Book-Entry Shares for one year after the Effective Time will be delivered to ChoiceOne,
upon demand, and any holders of Certificates or Book-Entry Shares who have not then complied with this <I>Article II</I> will
thereafter look only to ChoiceOne for, and ChoiceOne will remain liable for, payment of their claims for the Merger Consideration,
any cash in lieu of any fractional shares payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section
2.6</I></FONT>, and any dividends or other distributions payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section
2.3</I>,</FONT> in accordance with this <I>Article&nbsp;II</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.5</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Further Ownership Rights in CBC Common Stock</I>. </FONT>The Merger Consideration,
any cash in lieu of any fractional shares payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section&nbsp;2.6</I></FONT>,
and any dividends or other distributions payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section
2.3</I></FONT> upon the surrender of Certificates or Book-Entry Shares in accordance with the terms of this <I>Article II</I>
will be deemed to have been in full satisfaction of all rights pertaining to the CBC Common Stock formerly represented by such
Certificates or Book-Entry Shares. At the close of business on the Closing Date, the share transfer books of CBC will be closed,
and there will be no further registration of transfers on the share transfer books of CBC of shares of CBC Common Stock that were
outstanding immediately prior to the Effective Time. From and after the Effective Time, the holders of Certificates or Book-Entry
Shares will cease to have any rights with respect to shares of CBC Common Stock, except as otherwise provided in this Plan of
Merger or by applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.6</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Fractional Share</I>s<FONT STYLE="text-transform: uppercase">. </FONT></FONT>No certificates
or scrip representing fractional shares of ChoiceOne Common Stock will be issued upon the surrender for exchange of Certificates
or Book-Entry Shares, no dividends or other distributions of ChoiceOne will be paid with respect to such fractional share interests,
and such fractional share interests will not entitle the owner to vote or to have any rights of a holder of shares of ChoiceOne
Common Stock. Notwithstanding any other provision of this Plan of Merger, each holder of Certificates or Book-</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">Entry Shares who
would otherwise have been entitled to receive a fraction of a share of ChoiceOne Common Stock (determined after taking into account
all Certificates and Book-Entry Shares delivered by such holder) will receive, in lieu of such fraction of a share of ChoiceOne
Common Stock, cash (without interest) in an amount equal to the product of (a)&nbsp;such fraction of a share of ChoiceOne Common
Stock (rounded to the nearest one thousandth of a share) multiplied by (b)&nbsp;the daily volume weighted average price per share
of ChoiceOne Common Stock on the OTC Pink marketplace (or such other securities market or stock exchange on which ChoiceOne Common
Stock then principally trades) as reported by Bloomberg L.P. for the five (5) most recent trading days, ending on and including
the Business Day immediately before the date on which the Effective Time occurs, on which shares of ChoiceOne Common Stock were
actually traded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.7</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Liabilit</I>y. </FONT>To the fullest extent permitted by applicable Law, none of CBC,
ChoiceOne, the Surviving Corporation or the Exchange Agent will be liable to any CBC Shareholder or any other Person in respect
of any cash properly delivered to a Governmental Entity pursuant to any applicable abandoned property, escheat or similar Laws.
Any portion of the Exchange Fund remaining unclaimed by CBC Shareholders as of a date that is immediately prior to such time as
such amounts would otherwise escheat to or become property of any Governmental Entity will, to the extent permitted by applicable
Law, become the property of ChoiceOne free and clear of any claims or interest of any Person previously entitled thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.8</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Lost, Stolen or Destroyed Certificates</I>. </FONT>In the event that any Certificate has
been lost, stolen or destroyed, ChoiceOne or the Exchange Agent will, upon the receipt of an affidavit of that fact by the holder
of such Certificate in form and substance reasonably satisfactory to ChoiceOne or the Exchange Agent, as the case may be, pay
in exchange for such lost, stolen or destroyed Certificate, the Merger Consideration, any cash in lieu of fractional shares payable
pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section 2.6</I></FONT> and any dividends or other distributions
payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section 2.3</I></FONT> payable in respect of the
shares of CBC Common Stock previously evidenced by such lost, stolen or destroyed Certificate. ChoiceOne or the Exchange Agent,
as the case may be, may, in its discretion and as a condition precedent to the payment of the Merger Consideration, any cash in
lieu of fractional shares payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section 2.6</I></FONT>
and any dividends or other distributions payable pursuant to <FONT STYLE="font-family: Times New Roman, Times, Serif"><I>Section
2.3</I></FONT>, require the owner of such lost, stolen or destroyed Certificate to deliver a bond in such reasonable and customary
amount as ChoiceOne or the Exchange Agent, as the case may be, may reasonably direct as indemnity against any claim that may be
made against ChoiceOne or the Exchange Agent with respect to such Certificate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.9</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Withholding Rights</I>. </FONT>ChoiceOne will be entitled to deduct and withhold, or cause
to be deducted or withheld, from the consideration otherwise payable pursuant to this Plan of Merger such amounts as it is required
to deduct and withhold with respect to the making of such payment under the Code, or any provision of state, local or foreign
tax law. To the extent that amounts are so withheld, and if required, are timely paid over to or deposited with the relevant Governmental
Entity by ChoiceOne, such withheld amounts will be treated for all purposes of this Plan of Merger as having been paid to the
Person in respect of which such deduction and withholding was made by ChoiceOne.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.10</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Investment of Exchange Fund</I>. </FONT>The Exchange Agent will invest any cash included
in the Exchange Fund as directed by ChoiceOne from time to time provided that no gain or loss thereon will affect the amounts
payable or the timing of the amounts payable to CBC Shareholders pursuant to this <I>Article II</I>. The Exchange Fund will not
be used for any purpose except as set forth herein. Any interest and other income resulting from such investments will be for
ChoiceOne's account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.11</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Adjustments</I>. </FONT>Notwithstanding anything to the contrary in this <I>Article II</I>,
if, between the date of this Plan of Merger and the Effective Time, there is declared or effected a reorganization, reclassification,
recapitalization, stock split (including a reverse stock split), split-up, stock dividend or stock distribution (including any
dividend or distribution of securities convertible into ChoiceOne Common Stock or CBC Common Stock), combination, exchange, or
readjustment of shares with respect to, or rights issued in respect of, ChoiceOne Common Stock or CBC Common Stock, the Exchange
Ratio will be proportionately adjusted accordingly to provide to the holders of CBC Common Stock the same economic effect as contemplated
by this Plan of Merger prior to such event. Notwithstanding any other provisions of this <I>Section&nbsp;2.11</I>, no adjustment
will be made in the event of the issuance of additional shares of ChoiceOne Common Stock pursuant to any dividend reinvestment
plan or direct investment plan of ChoiceOne, pursuant to the exercise of stock options awarded under any director, employee or
Affiliate stock option plans of ChoiceOne or its Subsidiaries, or upon the grant or sale of shares or rights to receive</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">shares
to or for the account of any director, employee, or Affiliate of ChoiceOne or any of its Subsidiaries pursuant to any stock option
or other compensation or benefit plans of ChoiceOne, or in connection with the issuance of shares as merger consideration in a
transaction where ChoiceOne is the surviving corporation (with the prior written consent of CBC under <I>Section 5.2</I>), or
any offering or issuance of shares pursuant to which ChoiceOne receives cash or other consideration in exchange for the shares
issued (with the prior written consent of CBC under <I>Section 5.2</I>). Nothing in this <I>Section 2.11</I> will authorize any
transaction that is prohibited by any other provision in this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">2.12</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Dissenting Shares</I>. </FONT>Notwithstanding anything to the contrary in this Plan of
Merger, each <FONT STYLE="font-family: Times New Roman, Times, Serif">share of CBC Common Stock issued and outstanding immediately
prior to the Effective </FONT>Time held by a CBC Shareholder who has not voted in favor of approval of this Plan of Merger or
consented thereto in writing and who is entitled to demand and properly demands appraisal of such share pursuant to, and complies
in all respects with, the provisions of the MBCA with respect thereto, will not be converted into the right to receive any portion
of the Merger Consideration and will be converted into the right to receive payment from the Surviving Corporation with respect
thereto as provided by the MBCA, unless and until the holder of any such share will have failed to perfect or will have effectively
withdrawn or lost his, her or its right to appraisal and payment under the MBCA, in which case such share will thereupon be deemed,
as of the Effective Time, to have been converted into the right to receive the Merger Consideration in accordance with this Plan
of Merger. Any shares of CBC Common Stock for which appraisal rights have been properly exercised, and not subsequently withdrawn,
lost or not perfected, are referred to herein as &quot;<B><I>Dissenting Shares</I></B>&quot;. CBC will give ChoiceOne prompt notice
and a copy of any CBC Shareholder's demand for dissenters' rights and of any request to withdraw a demand for dissenters' rights.
CBC and ChoiceOne will jointly direct all negotiations and proceedings with respect to such demands and requests. Except with
the prior written consent of ChoiceOne or except as required by applicable Law, CBC will not make any payment with respect to
any such demands or requests and will not settle (or offer to settle) any such demands, or requests or approve any withdrawal
of the same.</P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
III<BR>
CBC'S REPRESENTATIONS AND WARRANTIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">Except as specifically
disclosed in the disclosure letter delivered by CBC to ChoiceOne prior to or concurrently with the execution of this Plan of Merger
(the &quot;<B><I>CBC Disclosure Letter</I></B>&quot;), which sets forth, among other things, items the disclosure of which is
necessary either in response to an express disclosure requirement contained in a provision of this Plan of Merger or as an exception
to one or more representations or warranties of CBC contained in this <I>Article III</I> or to one or more covenants of CBC contained
in <I>Article V</I>, CBC represents and warrants to ChoiceOne that:</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Authorization, No Conflicts, Etc.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Authorization of Plan of Merger</I>. CBC has the requisite corporate power and authority
to execute and deliver this Plan of Merger, and subject to the affirmative vote of the holders of a majority of the outstanding
shares of CBC Common Stock to approve the Plan of Merger (the &quot;<B><I>CBC Shareholder Approval</I></B>&quot;), to consummate
the transactions contemplated by this Plan of Merger. This Plan of Merger has been duly adopted, and the consummation of the Merger
and the other transactions contemplated by this Plan of Merger have been duly authorized, by the CBC Board of Directors. The CBC
Board of Directors has (a)&nbsp;determined that the terms of this Plan of Merger are fair to and in the best interests of CBC
and the CBC Shareholders, and (b)&nbsp;adopted this Plan of Merger and authorized the transactions contemplated by this Plan of
Merger and, subject to <I>Section 5.3</I>, resolved to recommend approval by the CBC Shareholders of this Plan of Merger and the
transactions contemplated by it (such recommendation, the &quot;<B><I>CBC Board Recommendation</I></B>&quot;). Except for the
CBC Shareholder Approval, no other corporate proceedings on the part of CBC are necessary to authorize this Plan of Merger or
to consummate the Merger. This Plan of Merger has been duly executed and delivered by, and (assuming authorization, execution
and delivery by ChoiceOne) constitutes valid and binding obligations of, CBC and is enforceable against CBC in accordance with
its terms, except to the extent that (i) such enforcement may be subject to applicable bankruptcy, insolvency, reorganization,
moratorium or other similar laws, now or hereafter in effect, relating to creditors' rights generally and (ii) equitable remedies
of specific performance and injunctive and other forms of equitable relief may be subject to equitable defenses and to the discretion
of the court before which any proceeding therefor may be brought.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Conflict, Breach, Violation, Etc</I>. The execution, delivery, and performance of this
Plan of Merger by CBC and the consummation of the Merger, do not and will not violate, conflict with, or result in a breach of:
(a)&nbsp;subject to obtaining the CBC Shareholder Approval, any provision of the articles of incorporation or bylaws (or similar
organizational documents) of CBC or any Subsidiary of CBC (each a &quot;<B><I>CBC Subsidiary</I></B>&quot; and</FONT> <FONT STYLE="font-size: 10pt">collectively,
the &quot;<B><I>CBC Subsidiaries</I></B>&quot;); or (b)&nbsp;any Law or Order applicable to CBC or any CBC Subsidiary, assuming
the timely receipt of each of the approvals referred to in <I>Section 3.1.4</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Regulatory Restrictions</I>. The execution, delivery, and performance of this Plan of
Merger by CBC and the consummation of the Merger do not and will not violate, conflict with, result in a breach of, constitute
a default under, or require any consent, approval, waiver, extension, amendment, authorization, notice, or filing under, any cease
and desist order, written agreement, memorandum of understanding, board resolutions or other regulatory agreement or commitment
with or from a Governmental Entity to which CBC or any CBC Subsidiary is a party or subject, or by which CBC or any CBC Subsidiary
is bound or affected.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Required Approvals</I>. No notice to, filing with, authorization of, exemption by, or
consent or approval of, any Governmental Entity is necessary for the consummation of the transactions contemplated by this Plan
of Merger by CBC other than in connection or compliance with the provisions of the MBCA, compliance with federal and state securities
laws and regulations, and the consents, authorizations, approvals, or exemptions required under the Bank Holding Company Act,
the FDI Act, and the Michigan Banking Code. As of the date hereof, CBC has no Knowledge of any reason why the regulatory approvals
referred to in this <I>Section 3.1.4</I> cannot be obtained or why the regulatory approval process would be materially impeded
or delayed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Organization and Good Standing</I>. </FONT>CBC is a corporation duly organized, validly
existing, and in good standing under the laws of the State of Michigan. CBC has all requisite corporate power and authority to
own, operate, and lease its properties and assets and to carry on its business as it is now being conducted in all material respects.
CBC is a financial holding company duly registered as such with the Federal Reserve Board under the Bank Holding Company Act.
CBC is not, and is not required to be, qualified or admitted to conduct business as a foreign corporation in any other state,
except where such failure to be so qualified has not had, and would not reasonably be expected to have, individually or in the
aggregate, a CBC Material Adverse Effect.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subsidiaries.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.3.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Ownership</I>. CBC has provided to ChoiceOne a true and complete list of each CBC Subsidiary
as of the date of this Plan of Merger. Other than the CBC Subsidiaries, CBC does not have &quot;control&quot; (as defined in Section
2(a)(2) of the Bank Holding Company Act, using 5 percent ownership or power to vote rather than 25 percent), either directly or
indirectly, of any Person engaged in an active trade or business or that holds any material assets. CBC or a CBC Subsidiary owns
all of the issued and outstanding capital stock or other equity interests of each of the CBC Subsidiaries, free and clear of any
claim or Lien of any kind. There is no legally binding and enforceable subscription, option, warrant, right to acquire, or any
other similar agreement pertaining to the capital stock or other equity interests of any CBC Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.3.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Organization and Good Standing</I>. Each of the CBC Subsidiaries: (a)&nbsp;is duly organized
and validly existing under the laws of its jurisdiction of organization; (b)&nbsp;is duly qualified to do business and in good
standing in all jurisdictions (whether federal, state, or local) where its ownership or leasing of property or the conduct of
its business requires it to be so qualified, and (c)&nbsp;has all requisite corporate power and authority to own or lease its
properties and assets and to carry on its business as now conducted, except in each of (a) through (c) as has not had, and would
not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.3.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Deposit Insurance; Other Assessments</I>. The deposits of each CBC Subsidiary that is
a depository institution are insured by the FDIC to the fullest extent permitted by Law, and all premiums and assessments to be
paid in connection therewith have been paid by each such CBC Subsidiary when due. No proceeding for the revocation or termination
of such deposit insurance is pending or, to the Knowledge of CBC, threatened. CBC and each CBC Subsidiary has paid as and when
due all material fees, charges, assessments, and the like as required by Law to each and every Governmental Entity having jurisdiction
over CBC or each CBC Subsidiary.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal"></FONT></P>

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<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.4</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Capital Stock.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.4.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Classes and Shares</I>. The authorized capital stock of CBC consists of 3,000,000 shares
of common stock, $5.00 par value (the &quot;<B><I>CBC Common Stock</I></B>&quot;), of which 1,746,884 shares were issued and outstanding
as of the date of this Plan of Merger. As of the date of this Plan of Merger, there is no security or class of securities outstanding
that represents or is convertible into capital stock of CBC and there are no compensatory awards outstanding pursuant to which
CBC Common Stock has issued or is issuable, or that relate to or are determined by reference to the value of CBC Common Stock.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.4.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Issuance of Shares</I>. After the date of this Plan of Merger, the number of issued and
outstanding shares of CBC Common Stock is not subject to change before the Effective Time.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.4.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Voting Rights</I>. Other than the issued and outstanding shares of CBC Common Stock described
in <I>Section 3.4.1</I>, neither CBC nor any CBC Subsidiary has outstanding any security or issue of securities the holder or
holders of which have the right to vote on the approval of the Merger or this Plan of Merger, or that entitle the holder or holders
to consent to, or withhold consent on, the Merger or this Plan of Merger, other than the voting agreements contemplated hereby.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.5</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Financial Statements.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.5.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Financial Statements</I>. The consolidated financial statements of CBC as of and for each
of the three years ended December 31, 2018, 2017, and 2016, as reported on by CBC's independent accountants and as previously
made available to ChoiceOne (collectively, &quot;<B><I>CBC's Financial Statements</I></B>&quot;), fairly present the financial
condition and the results of operations, changes in shareholders' equity, and cash flows of CBC as of the respective dates of
and for the periods referred to in such financial statements, all in accordance with GAAP, consistently applied, subject, in the
case of unaudited interim financial statements, to normal, recurring year-end adjustments (the effect of which has not had, and
would not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect) and the absence of
notes (that, if presented, would not differ materially from those included in CBC's Financial Statements). No financial statements
of any entity or enterprise other than the CBC Subsidiaries are required by GAAP to be included in the consolidated financial
statements of CBC.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.5.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Call Reports</I>. The following reports (including all related schedules, notes, and exhibits)
were prepared and filed in conformity with applicable regulatory requirements and were correct and complete in all material respects
when filed:</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.5.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Consolidated Reports of Condition and Income (Form FFIEC 041) of each CBC Subsidiary
required to file such reports (including any amendments) as of and for each of the fiscal years ended December 31, 2018, 2017,
and 2016; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.5.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Parent Company Only Financial Statements for Small Holding Companies (Form FR Y-9SP)
(including any amendments) for CBC as of and for each of the fiscal years ended December 31, 2018, 2017, and 2016 as filed with
the Federal Reserve Board. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">All of the reports
identified in this <I>Section 3.5.2</I> are collectively referred to as the &quot;<B><I>CBC Call Reports</I></B>.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.6</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Absence of Undisclosed Liabilities</I>. </FONT>There exist no Liabilities of CBC or any
CBC Subsidiaries other than (a) Liabilities that are reflected, reserved for or disclosed in the CBC Financial Statements or the
CBC Call Reports as required by GAAP, (b) Liabilities incurred in the ordinary course of business of CBC and the CBC Subsidiaries
or in connection with the Merger or other transactions contemplated by this Plan of Merger, or (c) Liabilities that would not
reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.7</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Absence of Certain Changes or Events</I>. </FONT>Since December 31, 2018, (a)&nbsp;CBC
and the CBC Subsidiaries have conducted their respective businesses in the ordinary course consistent with past practice and (b)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0">no event has occurred that has had, or would reasonably be expected to have, individually or in the aggregate, a CBC Material
Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.8</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Legal Proceedings</I>. </FONT>There is no Action pending or, to the Knowledge of CBC,
threatened against CBC or any of the CBC Subsidiaries that (a) as of the date of this Plan of Merger, challenges or seeks to enjoin,
alter, prevent or materially delay the Merger or (b) has had, or would reasonably be expected to have, individually or in the
aggregate, a CBC Material Adverse Effect. There is no material unsatisfied judgment, penalty or award against CBC or any of the
CBC Subsidiaries. Neither CBC nor any of the CBC Subsidiaries, nor any of their respective properties or assets, is subject to
any Order or, to the Knowledge of CBC, any investigation by a Governmental Entity, in each case that has had, or would reasonably
be expected to have, individually or in the aggregate, a CBC Material Adverse Effect. No officer or director of CBC or any of
the CBC Subsidiaries is a defendant in any Action commenced by any shareholder of CBC or any of the CBC Subsidiaries with respect
to the performance of his or her duties as an officer or a director of CBC or any of the CBC Subsidiaries under any applicable
Law, except for any Action arising out of or relating to the Merger and the transactions contemplated by this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.9</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Regulatory Filings</I>. </FONT>In the last three years:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.9.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Regulatory Filings</I>. CBC and each CBC Subsidiary has filed in a timely manner all material
filings with Governmental Entities as required by applicable Law; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.9.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Complete and Accurate</I>. All such filings, as of their respective filing dates, complied
in all material respects with all Laws, forms, and guidelines applicable to such filings. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.10</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Indemnification Claims</I>. </FONT>To the Knowledge of CBC, there has been no event,
action, or omission by or with respect to any director, officer, employee, trustee, agent, or other Person who may be entitled
to receive indemnification or reimbursement of any claim, loss, or expense under any Contract or arrangement providing for indemnification
or reimbursement of any such Person by CBC or any CBC Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.11</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Conduct of Business</I>. </FONT>CBC and each CBC Subsidiary has conducted its business
and used its properties in compliance with all applicable Orders and Laws, including without limitation applicable federal and
state laws and regulations concerning banking, securities, truth-in-lending, truth-in-savings, mortgage origination and servicing,
usury, fair credit reporting, consumer protection, occupational safety, fair lending, civil rights, employee protection, fair
employment practices, fair labor standards, real estate settlement and procedures, insurance, privacy, and Environmental Laws;
except for violations that have not had, and would not reasonably be expected to have, individually or in the aggregate, a CBC
Material Adverse Effect. For the avoidance of doubt, except for violations that have not had, and would not reasonably be expected
to have, individually or in the aggregate, a CBC Material Adverse Effect, CBC and each CBC Subsidiary has complied in all material
respects with and is not in material default or violation under any applicable Law, statute, Order, rule, regulation, policy and/or
guideline of any Governmental Entity relating to it, including, without limitation and as applicable, all laws related to data
protection or privacy, the USA PATRIOT Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair
Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home
Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street
Reform and Consumer Protection Act, Federal Consumer Credit Protection Act any regulations promulgated by the Consumer Financial
Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing
Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Flood Disaster Protection Act, Home Owners Equity Protection
Act, Right to Financial Privacy Act, Unfair, Deceptive or Abusive Acts or Practices, the United States Foreign Corrupt Practices
Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act and any other law relating to consumer protection,
bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections 23A and 23B of the
Federal Reserve Act, the Sarbanes-Oxley Act, all agency requirements relating to the origination, sale and servicing of mortgage
and consumer loans and all other laws and regulations governing the operations of a federally insured financial institution. CBC
and each CBC Subsidiary has not had nor suspected any material incidents of fraud or defalcation involving CBC, any CBC Subsidiary
or any of their respective officers, directors or Affiliates during the last two years. Lakestone Bank has timely and properly
filed and maintained in all material respects all requisite Currency Transaction Reports and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">Suspicious Activity Reports and has
processes customarily followed by financial institutions of a similar size to Lakestone Bank that are designed to properly monitor
transaction activity (including wire transfers). Lakestone Bank has a Community Reinvestment Act rating of &quot;satisfactory&quot;
and is an &quot;eligible depository institution&quot; (as that term is defined in 12 C.F.R. &sect; 303.2(r)). CBC is &quot;well
capitalized&quot; (as that term is defined in 12 C.F.R. &sect; 225.2(r)) and &quot;well managed&quot; (as that term is defined
is 12 C.F.R. &sect; 225.2(s)).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.12</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Experience</I>. </FONT>CBC, either alone or together with its respective representatives,
has such knowledge, sophistication, and experience in business and financial matters so as to be capable of evaluating the merits
and risks of the transactions contemplated by this Plan of Merger and has so evaluated the merits and risks of such transactions.
CBC is capable of protecting its own respective interests in connection with the Merger. Further, CBC understands that no representation
is being made as to the future performance of ChoiceOne and ChoiceOne Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.13</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Agreements With Bank Regulators</I>. </FONT>Neither CBC nor any CBC Subsidiary is a party
to any Contract, cease and desist order, written agreement or memorandum of understanding with, or a party to any commitment letter,
board resolution or similar undertaking to, or is subject to any Order by, or is a recipient of any extraordinary supervisory
letter from, any Governmental Entity that restricts materially the conduct of CBC's or a CBC Subsidiary's business, or in any
manner relates to the capital adequacy, credit or reserve policies or management of CBC or any CBC Subsidiary (a &quot;<B><I>Regulatory
Agreement</I></B>&quot;), nor has CBC nor any CBC Subsidiary been advised by any Governmental Entity that a Governmental Entity
is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) an Order or a Regulatory
Agreement. Neither CBC nor any CBC Subsidiary is required by Section 32 of the FDI Act or FDIC Regulation Part 359 or the Federal
Reserve Board to give prior notice to a federal banking agency of the proposed addition of an individual to its board of directors
or the employment of an individual as a senior executive officer or to limit golden parachute payments or indemnification.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.14</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Tax Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All income and other material Tax Returns required by applicable Law to have been filed by
CBC and each CBC Subsidiary since January 1, 2012 have been filed when due (taking into account any extensions), and each such
Tax Return is complete and accurate and correctly reflects the liability for Taxes in all material respects. Since January 1,
2012, CBC and each CBC Subsidiary has withheld and paid all material Taxes required to have been withheld and paid in connection
with amounts paid or owing to any third party. Since January 1, 2012, all income and other material Taxes that are due and payable
by CBC and each CBC Subsidiary have been paid.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There is no audit or other proceeding pending against or with respect to CBC or any CBC Subsidiary
with respect to any Tax. There are no Liens on any of the assets of CBC or any of the CBC Subsidiaries that arose in connection
with any failure (or alleged failure) to pay any Tax, other than Liens for Taxes not yet due and payable.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor any CBC Subsidiary has waived any statute of limitations in respect of Taxes
or agreed to any extension of time with respect to any Taxes, which waiver or extension is still open.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor any CBC Subsidiary is a party to any Tax indemnification, allocation or sharing
agreement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor any CBC Subsidiary has been included in any &quot;consolidated,&quot; &quot;unitary&quot;
or &quot;combined&quot; Tax Return for any taxable period for which the statute of limitations has not expired (other than a group
of which CBC and one or more CBC Subsidiaries are the only members). Neither CBC nor any CBC Subsidiary is a general partner in
any partnership.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within the past three years, neither CBC nor any CBC Subsidiary has been a &quot;distributing
corporation&quot; or a &quot;controlled corporation&quot; in a distribution intended to qualify for tax-free treatment under Section
355 or Section 361 of the Code.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor any CBC Subsidiary has participated in or been a party to a transaction that,
as of the date of this Plan of Merger, constitutes a &quot;listed transaction&quot; for purposes of Section 6011 of the Code (or
a similar provision of state Law).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor any CBC Subsidiary has taken or agreed to take (or failed to take or agree
to take) any action or has Knowledge of any fact or circumstance that would reasonably be expected to prevent the Merger from
qualifying for the Intended Tax Treatment.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There has been no disallowance of a deduction under Section 162(m) of the Code for any amount
paid or payable by CBC or any CBC Subsidiary as employee compensation, whether under any contract, plan, program or arrangement,
understanding or otherwise. Neither CBC nor any CBC Subsidiary has made any payment, is obligated to make any payment, nor is
a party to any agreement, contract, arrangement or plan that could obligate it to make any payment that may be treated, individually
or in the aggregate, as an &quot;excess parachute payment&quot; within the meaning of Section 280G of the Code.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No private letter rulings, technical advice memoranda or similar agreement or rulings have
been requested, entered into or issued by any taxing authority with respect to CBC or any CBC Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will not be required to include any material item of income in, or exclude any material
item or deduction from, taxable income for any taxable periods or portions thereof ending after the Effective Time as a result
of: (a) any change in a method of accounting under Section 481 of the Code (or any comparable provision of state, local or foreign
Tax Laws), or use of an improper method of accounting, for a taxable period ending on or prior to the Effective Time; (b) an installment
sale or open transaction occurring on or prior to the Effective Time; (c) a prepaid amount received on or before the Effective
Time; (d) any closing agreement under Section 7121 of the Code, or similar provision of state, local or foreign Law; or (e) any
election under Section 108(i) of the Code.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC has not within the last three (3) years received written notice (or, to the Knowledge
of CBC, any other notice) of any claim by an authority in a jurisdiction where CBC or any CBC Subsidiary does not file tax returns
that CBC or any CBC Subsidiary may be subject to taxation by that jurisdiction or required to file a tax return in such jurisdiction.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.14.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC has been a treated as a C corporation for federal income tax purposes since its inception
and neither CBC nor any CBC Subsidiary has ever been or has ever been or has filed any Tax Return as an S corporation (within
the meaning of Code Sections 1361 and 1362) or as a &quot;qualified subchapter S subsidiary&quot; (within the meaning of Code
Section 1361(b)(3)(B)).</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.15</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Properties.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.15.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Title to and Interest in Properties</I>. Except with such exceptions that have not had,
and would not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect, CBC and each CBC
Subsidiary has good and valid title to, or valid leasehold interests in, all of their respective personal and real properties
and assets as used in their respective businesses as presently conducted, and all such personal and real properties and assets,
other than personal and real properties and assets in which CBC or any of the CBC Subsidiaries has leasehold interests, are free
and clear of all Liens, except for Permitted Liens. CBC and each CBC Subsidiary has complied in all material respects with the
terms of all leases to which it is a party. All material leases to which CBC or any CBC Subsidiary is a party and under which
it is in possession of any personal or real property are valid and binding contracts and are in full force and effect and neither
CBC nor any CBC Subsidiary has received any written notice alleging violation, breach, or default of such lease. CBC and each
CBC Subsidiary is in possession of the properties or assets purported to be leased under all its material leases. The tangible
personal and real property and assets of CBC and all CBC Subsidiaries are in good operating condition and repair, reasonable wear
and tear excepted, and, subject to maintenance and repair in the ordinary course of business consistent with past practice, are
adequate for the uses to which they are being put.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.15.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Notices: Owned Real Property</I>. With respect to real property owned by CBC or any CBC
Subsidiary, none of CBC nor any CBC Subsidiary (a)&nbsp;has received written notice of any pending, and to the Knowledge of CBC
there is no threatened, condemnation proceeding against any of such real property or (b)&nbsp;has received written notice from
any Governmental Entity that such real property is not in compliance with any applicable Law, except as have not had, and would
not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.15.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Notices: Leased Real Property</I>. With respect to real property leased, subleased or
licensed by CBC or any CBC Subsidiary, none of CBC nor any CBC Subsidiary (a)&nbsp;has received any written notice alleging a
violation, breach or default under any lease of such real property, except for matters being contested in good faith for which
adequate accruals or reserves have been established on the books and records of CBC as required by GAAP or (b)&nbsp;(i)&nbsp;has
received written notice of any pending, and to the Knowledge of CBC there is no threatened, condemnation proceeding with respect
to any of such real property or (ii)&nbsp;has received written notice from any Governmental Entity that such real property is
not in compliance with any applicable Law, except as have not had, and would not reasonably be expected to have, individually
or in the aggregate, a CBC Material Adverse Effect.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.16</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Intellectual Property.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.16.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC and the CBC Subsidiaries exclusively own, or have a valid license or other valid right
to use, all material Intellectual Property as used in their business as presently conducted; it being understood that the foregoing
will not be construed to expand or diminish the scope of the non-infringement representations and warranties that follow in this
<I>Section 3.16</I>. No Actions, suits or other proceedings are pending or, to the Knowledge of CBC, threatened that CBC or any
of the CBC Subsidiaries is infringing, misappropriating or otherwise violating the rights of any Person with regard to any Intellectual
Property. To the Knowledge of CBC, no Person is infringing, misappropriating or otherwise violating the rights of CBC or any of
the CBC Subsidiaries with respect to any Intellectual Property owned or purported to be owned by CBC or any of the CBC Subsidiaries
(collectively the &quot;<B><I>CBC-Owned Intellectual Property</I></B>&quot;). Except as have not had, and would not reasonably
be expected to have, individually or in the aggregate, a CBC Material Adverse Effect, to the Knowledge of CBC: (a)&nbsp;no circumstances
exist which could reasonably be expected to give rise to any (i)&nbsp;Action that challenges the rights of CBC or any of the CBC
Subsidiaries with respect to the validity or enforceability of the CBC-Owned Intellectual Property or (ii)&nbsp;claim of infringement,
misappropriation, or violation of the Intellectual Property rights of any Person, and (b)&nbsp;the consummation of the transactions
contemplated by this Plan of Merger will not give rise to any claim by any Person to a right to own, purchase, transfer, use,
alter, impair, extinguish or restrict any CBC-Owned Intellectual Property or Intellectual Property licensed to CBC or any CBC
Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.16.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC and/or its Subsidiaries own, license or have access to information technology software
and systems adequate for operating and performing in all material respects in accordance with their documentation and functional
specifications and otherwise as required in connection with the operation of CBC's and Subsidiaries' business as currently conducted.
The products, services and computer systems offered, owned or licensed by CBC and its Subsidiaries do not, to CBC's Knowledge,
contain any disabling device, worm, back door, trojan horse, malware, spyware, adware, ransomware, other viruses or other disruptive
or malicious code that may or are intended to materially impair their intended performance or otherwise permit unauthorized access
to, hamper, delete or damage any computer system, software, network or data. CBC and its Subsidiaries have implemented reasonable
backup, security and disaster recovery measures and technology and, to CBC's Knowledge, no Person has obtained unauthorized access
to CBC's or its Subsidiaries' information technology systems, computer systems, products or services.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.17</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Required Licenses, Permits, Etc</I>. </FONT>CBC and each CBC Subsidiary hold all material
Permits and other rights from all appropriate Governmental Entities necessary for the conduct of its business as presently conducted.
All such material Permits and rights are in full force and effect. Each CBC Subsidiary, as applicable, is an approved seller-servicer
for each mortgage investor with whom it conducts business, and holds all material Permits, authorizations, and approvals necessary
to carry on the mortgage banking business in the manner in which it is presently being conducted.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal"></FONT></P>

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<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.18</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Material Contracts and Change of Control.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.18.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>&quot;Material Contracts&quot; Defined</I>. For the purposes of this Plan of Merger, the
term &quot;<B><I>CBC Material Contract</I></B>&quot; means any of the following Contracts to which CBC or any of the CBC Subsidiaries
is a party or bound as of the date of this Plan of Merger: </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract, other than any Contracts contemplated by this Plan of Merger, that limits
(or purports to limit) in any material respect the ability of CBC or any of the CBC Subsidiaries to engage or compete in any business
(including geographic restrictions and exclusive or preferential arrangements); </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that creates a partnership or joint venture to which CBC or any of the CBC
Subsidiaries is a party;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract between or among CBC and any CBC Subsidiary;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract with a &quot;correspondent banker&quot; as defined in Regulation F promulgated
by the Federal Reserve Board;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract relating to the borrowing of money by CBC or any CBC Subsidiary or guarantee
by CBC or any CBC Subsidiary of such obligation (other than Contracts evidencing deposit liabilities, purchases of federal funds,
fully-secured repurchase agreements, FHLB advances to CBC Subsidiaries that are depository institutions, trade payables and Contracts
relating to borrowings or guarantees made in the ordinary course of business consistent with past practice) in excess of $250,000;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that relates to the acquisition or disposition of any material business (whether
by merger, sale of stock, sale of assets or otherwise) or material asset, other than this Plan of Merger, pursuant to which CBC
or any of the CBC Subsidiaries has any continuing obligations, contingent or otherwise;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that grants any right of first refusal or right of first offer or similar right
or that limits or purports to limit the ability of CBC or any of the CBC Subsidiaries to own, operate, sell, transfer, pledge
or otherwise dispose of any material amount of assets or businesses;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Other than as contemplated by this Plan of Merger, each voting agreement or registration
rights agreement with respect to the capital stock of CBC or any of the CBC Subsidiaries; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract granting CBC or any CBC Subsidiary the right to use, restricting CBC's or any
CBC Subsidiary's right to use, or granting any other Person the right to use Intellectual Property that is material to the conduct
of CBC's or any CBC Subsidiary's business (including any license, franchise agreement, co-existence agreement, concurrent-use
agreement, settlement agreement or other similar type Contract); </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that limits the payment of dividends by CBC or any CBC Subsidiary;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract involving a standstill or similar obligation of CBC or any of the CBC Subsidiaries
relating to the purchase of securities of CBC or any other Person;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except transactions made in accordance with Regulation O and agreements entered into in the
ordinary course of business consistent with past practice for compensation or indemnity, any Contract between CBC or any CBC Subsidiary,
on the one hand, and, on the other hand (a)&nbsp;any officer or director of CBC or a CBC Subsidiary, or (b)&nbsp;to the Knowledge
of CBC, any (i)&nbsp;record or beneficial owner of five percent or more of the voting securities of CBC, (ii)&nbsp;Affiliate or
&quot;immediate family member&quot; (as defined by the Federal Reserve Board in Regulation Y) of any such officer, director, or
record or beneficial owner, or (iii)&nbsp;other Affiliate of CBC, except those Contracts of a type available to employees of CBC
generally;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract for any one capital expenditure or a series of capital expenditures, the aggregate
amount of which is in excess of $250,000; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract or commitment to make a loan not yet fully disbursed or funded to any Person,
wherein the undisbursed or unfunded amount exceeds $1,000,000;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract or commitment for a loan participation agreement with any other Person in excess
of $1,000,000; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">3.18.1.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that is material to the financial condition, results of operations or business
of CBC or any CBC Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.18.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Full Force and Effect</I>. Prior to the date of this Plan of Merger, CBC has provided
or made available to ChoiceOne a true and complete copy of each CBC Material Contract in effect as of the date of this Plan of
Merger. Except for matters that have not had, and would not reasonably be expected to have, individually or in the aggregate,
a CBC Material Adverse Effect, (a)&nbsp;all CBC Material Contracts are in full force and effect as of the date of this Plan of
Merger, (b)&nbsp;neither CBC nor any of the CBC Subsidiaries is in violation or breach of or default under (or with notice or
lapse of time, or both, would be in violation or breach of or default under) the terms of any CBC Material Contract, (c)&nbsp;to
the Knowledge of CBC, no other party to any CBC Material Contract is in breach of or in default under any CBC Material Contract,
and (d)&nbsp;neither CBC nor any CBC Subsidiary has received written notice of breach or termination (or proposed breach or termination)
of any CBC Material Contract.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.18.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Effect of Merger and Related Transactions</I>. There is no CBC Material Contract under
which (a)&nbsp;a consent or approval is required for the Merger, (b)&nbsp;a prohibited assignment by operation of Law could occur,
(c)&nbsp;a waiver or loss of any right could occur, or (d)&nbsp;an acceleration of any obligation would be deemed to occur as
a result of the Merger, in each case as a result of the execution and delivery of this Plan of Merger or the consummation of the
transactions contemplated herein, where any such occurrence would reasonably be expected to (i) materially interfere with the
ordinary course of business conducted by CBC, any CBC Subsidiary or the Surviving Corporation, or (ii) have a CBC Material Adverse
Effect.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.19</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Labor and Employment Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Compliance with Labor and Employment Laws</I>. (a)&nbsp;CBC and all of the CBC Subsidiaries
are in compliance with all applicable Laws relating to labor and employment practices, including those relating to wages, employee
benefits, hours and overtime, workplace safety and health, immigration, individual and collective termination, non-discrimination
and data privacy, the identification of particular employees or job classifications as &quot;exempt&quot; or &quot;non-exempt&quot;
for purposes of such obligations, and any and all other matters involving compensation or benefits afforded to or not afforded
to employees, contractors or consultants except for such noncompliance as has not had, and would not reasonably be expected to
have, individually or in the aggregate, a CBC Material Adverse Effect; (b)&nbsp;as of the date of this Plan of Merger there is
no unfair labor practice charge or complaint pending before the NLRB or, to the Knowledge of CBC, threatened against CBC or any
of the CBC Subsidiaries; (c)&nbsp;as of the date of this Plan of Merger and during the past three years there has been no labor
strike, slowdown, work stoppage or lockout, pending or, to the Knowledge of CBC, threatened against or affecting CBC or any of
the CBC Subsidiaries; (d)&nbsp;there is no representation claim or petition pending before the NLRB or any similar foreign agency
relating to the employees of CBC or any CBC Subsidiary; (e)&nbsp;as of the date of this Plan of Merger, CBC has not received written
notice of charges with respect to or relating to CBC or any CBC Subsidiary pending before the Equal Employment Opportunity Commission
or other Governmental Entity responsible for the prevention of unlawful employment practices; and (f)&nbsp;neither CBC nor any
CBC Subsidiary has received any written notice from any Governmental Entity responsible for the enforcement of labor or employment
laws of an intention to conduct an investigation of CBC or any CBC Subsidiary and, to the Knowledge of CBC, no such investigation
is in progress.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Collective Bargaining Agreements</I>. Neither CBC nor any CBC Subsidiary is party to,
bound by, or negotiating any Collective Bargaining Agreement or any other Contract with any labor organization, union, works council,
employee representative or association.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>At-Will Employment</I>. All salaried employees, hourly employees, and temporary employees
of CBC and any of the CBC Subsidiaries are employed on an at-will basis by CBC or any of the CBC Subsidiaries and may be terminated
at any time with or without cause and without any severance or other liabilities to CBC or any CBC Subsidiary, or have signed
an agreement or acknowledged in writing that their employment is at will. There has been no written representation by CBC or any
CBC Subsidiary made to any employees that commits CBC, any CBC Subsidiary, or the Surviving Corporation to retain them as employees
for any period of time subsequent to the Closing.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>WARN Act</I>. Since January 1, 2013, neither CBC nor any CBC Subsidiary has effectuated
a &quot;plant closing&quot; or a &quot;mass lay off&quot; (in each case, as defined in the WARN Act), in either case affecting
any site of employment or facility of CBC or any CBC Subsidiary, except in compliance with the WARN Act.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Occupational Health and Safety</I>. There is no audit, investigation, charge or proceeding
with respect to a material violation of any occupational health and safety standards that is pending or unremedied, or to the
Knowledge of CBC, threatened against CBC or any CBC Subsidiary. CBC and all of the CBC Subsidiaries are in compliance with all
applicable occupational health and safety Laws, except for such failures to comply as have not had, and would not reasonably be
expected to have, individually or in the aggregate, a CBC Material Adverse Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Certain Contracts</I>. Neither CBC nor any CBC Subsidiary is a party or subject to any
Contract which restricts CBC or any CBC Subsidiary from relocating, closing or terminating any of its operations or facilities
or any portion of its operations or facilities.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Liabilities under Employment and Benefit Contracts</I>. The consummation of the transactions
contemplated by this Plan of Merger will not create Liabilities for any act by CBC or any CBC Subsidiary on or prior to the Closing
under any Collective Bargaining Agreement, employment or benefit Contract or CBC Benefit Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Eligibility Verification</I>. CBC has implemented commercially reasonable procedures to
ensure that all employees who are performing services for CBC or any CBC Subsidiary in the United States are legally permitted
to work in the United States and will be legally permitted to work in the United States for the Surviving Corporation or any of
its Subsidiaries following the consummation of the transactions contemplated by this Plan of Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.19.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Employment Policies, Programs, and Procedures</I>. The policies, programs, and practices
of CBC and all CBC Subsidiaries relating to equal opportunity and affirmative action, wages, employee classifications (including
independent contractor versus employee and exempt versus non-exempt), hours of work, employee disabilities, employment termination,
employment discrimination, employee safety, labor relations, and other terms and conditions of employment are in compliance in
all material respects with applicable Law governing or relating to employment and employer practices and facilities.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.20</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Employee Benefits.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC has delivered or made available to ChoiceOne true and complete copies of all material
CBC Benefit Plans. Each CBC Benefit Plan is in compliance with all applicable requirements of ERISA, the Code and all other applicable
Laws and has been administered in accordance with its terms and such Laws, except for such noncompliance that has not had, and
would not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each CBC Benefit Plan that is intended to be qualified within the meaning of Section 401
of the Code is so qualified and has at all times since its adoption been so qualified, and to the Knowledge of CBC, no condition
exists and no event has occurred that could reasonably be expected to result in the loss or revocation of such qualification in
any material respect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">To CBC's Knowledge, all contributions, payments or premiums required to be made with respect
to any CBC Benefit Plan by CBC on or before the date of this Plan of Merger have been timely</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">made, and all benefits accrued under
any unfunded CBC Benefit Plan have been paid, accrued or otherwise adequately reserved in accordance with GAAP, and each of CBC
and the CBC Subsidiaries have performed all material obligations required to be performed under all CBC Benefit Plans with respect
to which CBC or any ERISA Affiliate of CBC has an obligation to contribute.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor any ERISA Affiliate of CBC participates in nor since December 31, 1973 ever
has participated in any Multiemployer Plan, and neither CBC nor any ERISA Affiliate of CBC maintains or contributes to, or is
party to, and, at no time since January 1, 2013 maintained, contributed to, or was a party to, any plan, program, agreement or
policy that (a)&nbsp;is a &quot;defined benefit plan&quot; within the meaning of section 414(j) of the Code or 3(35) of ERISA,
(b)&nbsp;is a &quot;multiple employer plan&quot; as defined in ERISA or the Code (whether or not subject thereto), (c)&nbsp;is
described in Section 401(a)(1) of ERISA (whether or not subject thereto), (d)&nbsp;is a multiple employer welfare arrangement
within the meaning of Section 3(40)(A) of the Code, (e)&nbsp;is a voluntary employees beneficiary association within the meaning
of Code Section 501(c)(9), or (f)&nbsp;is primarily for the benefit of employees who reside outside of the United States.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as required by Part 6 of Subtitle B of Title I of ERISA or section 4980B of the Code
or any state Laws requiring continuation of benefits coverage following termination of employment, neither CBC nor any CBC Subsidiary
provides health or welfare benefits for any retired or former employee following such employee's retirement or other termination
of service.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The execution, delivery of, and performance by CBC of its obligations under the transactions
contemplated by this Plan of Merger (either alone or upon the occurrence of any additional or subsequent event) will not (a)&nbsp;result
in any payment (whether of severance pay or otherwise), acceleration, forgiveness of indebtedness, vesting, distribution, increase
in benefits or obligation to fund benefits with respect to any current, former or retired employees, officers, consultants, independent
contractors, agents or directors of CBC or any of the CBC Subsidiaries; or (b)&nbsp;result in the triggering or imposition of
any restrictions or limitations on the right of CBC or any of the CBC Subsidiaries to amend or terminate any CBC Benefit Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC and the CBC Subsidiaries may, subject to the limitations imposed by applicable Law and
the terms of the applicable CBC Benefit Plan, without the consent of any employee, beneficiary, or other person, prospectively
terminate, modify, or amend any such CBC Benefit Plan effective as of any date on or after the date of this Plan of Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">To CBC's Knowledge, each CBC Benefit Plan that is a &quot;nonqualified deferred compensation
plan&quot; (as defined under Section 409A(d)(1) of the Code) (a)&nbsp;has been operated and administered in compliance with Section
409A of the Code or (b)&nbsp;any payments under such plans have been earned and vested on or prior to December 31, 2004 and such
plans have not been materially modified other than modifications to comply with Code Section 409A and the regulations promulgated
thereunder. Neither CBC nor any of the CBC Subsidiaries have entered into any agreement or arrangement to, and do not otherwise
have any obligation to, indemnify or hold harmless any Person for any Liability that results from the failure to comply with the
requirements of Section 409A of the Code and the regulations promulgated thereunder.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There is no pending or, to the Knowledge of CBC, threatened Action with respect to any CBC
Benefit Plans, other than ordinary and usual claims for benefits by participants and beneficiaries.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Since January 1, 2018, neither CBC nor any of the CBC Subsidiaries have agreed or otherwise
committed to, whether in writing or otherwise, adopt any new plan, program, agreement or policy that would constitute a CBC Benefit
Plan or result in participation in a Multiemployer Plan or increase or improve the compensation, benefits, or terms and conditions
of employment or service of any director, officer, employee, or consultant, except (a)&nbsp;in the ordinary course of business
consistent with past practice with respect to individual employees who are not officers (and not with respect to a substantial
class of employees) or (b)&nbsp;as required by applicable Law or any applicable CBC Benefit Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.20.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each of the CBC Benefit Plans which is an employee welfare benefit plan within the meaning
of Section 3(1) of ERISA is in compliance with the Patient Protection and Affordable Care Act and its companion bill, the Health
Care and Education Reconciliation Act of 2010, to the extent applicable, except </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">for such noncompliance that has not had, and would
not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect. Neither CBC nor any of the
CBC Subsidiaries have any liability in the nature of retroactive rate adjustment, loss sharing arrangement or other material Liability
arising wholly or partially out of events occurring on or before the Closing.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.21</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Environmental Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.21.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except for any matters that have not had, and would not reasonably be expected to have, individually
or in the aggregate, a CBC Material Adverse Effect: (a)&nbsp;CBC and each of the CBC Subsidiaries is and has been in compliance
with and has no Liability under applicable Environmental Laws; (b)&nbsp;CBC and each of the CBC Subsidiaries possesses, has possessed
and is and has been in compliance with all required Environmental Permits; (c)&nbsp;there are no Environmental Claims pending
or, to the Knowledge of CBC, threatened against CBC or any of the CBC Subsidiaries, and, to the Knowledge of CBC, there are no
facts or circumstances which could reasonably be expected to form the basis for any Environmental Claim against CBC or any of
the CBC Subsidiaries; (d)&nbsp;no Releases of Hazardous Materials have occurred and no Person has been exposed to any Hazardous
Materials at, from, in, to, on, or under any CBC Site and no Hazardous Materials are present in, on, about or migrating to or
from any CBC Site, in each case as could give rise to an Environmental Claim against CBC or any of the CBC Subsidiaries; (e)&nbsp;neither
CBC nor any of the CBC Subsidiaries has entered into or is subject to, any judgment, decree, order or other similar requirement
of or agreement with any Governmental Entity under any Environmental Laws; (f)&nbsp;neither CBC nor any of the CBC Subsidiaries
has assumed responsibility for or agreed to indemnify or hold harmless any Person for any Liability, arising under or relating
to Environmental Laws; and (g)&nbsp;neither CBC nor any of the CBC Subsidiaries, any predecessors of CBC or any of the CBC Subsidiaries,
nor any entity previously owned by CBC or any of the CBC Subsidiaries, has transported or arranged for the treatment, storage,
handling, disposal, or transportation of any Hazardous Material to any off-Site location which has or could result in an Environmental
Claim against CBC or any of the CBC Subsidiaries.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.21.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No CBC Site contains, and to the Knowledge of CBC has ever contained, any underground storage
tanks. With respect to any underground storage tank that is listed in the CBC Disclosure Letter as an exception to the foregoing,
each such underground storage tank presently or previously located on any CBC Site has been operated, maintained and removed or
closed in place, as applicable, in compliance with all applicable Environmental Laws, and has not been the source of any Release
of a Hazardous Material to the environment that has not been fully remediated. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.22</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Duties as Fiduciary</I>. </FONT>To the Knowledge of CBC, CBC and each CBC Subsidiary has
performed all of its respective duties in any capacity as trustee, executor, administrator, registrar, guardian, custodian, escrow
agent, receiver, or other fiduciary in a fashion that complies in all material respects with all applicable Laws, Contracts, wills,
instruments and common law standards. Neither CBC nor any CBC Subsidiary has received any notice of any Action, claim, allegation
or complaint from any Person that CBC or any CBC Subsidiary failed to perform these duties in a manner that complies in all material
respects with all applicable Laws, Contracts, wills, instruments and common law standards, except for notices involving matters
that have been resolved and any cost of such resolution is reflected in CBC's Financial Statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.23</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Investment Bankers and Brokers</I>. </FONT>CBC has employed Boenning &amp; Scattergood,
Inc. (&quot;<B><I>CBC Investment Banker</I></B>&quot;) in connection with the Merger. CBC, the CBC Subsidiaries, and their respective
Representatives have not employed, engaged, or consulted with any broker, finder, or investment banker other than CBC Investment
Banker in connection with this Plan of Merger or the Merger. Other than the fees and expenses payable by CBC to CBC Investment
Banker in connection with the Merger, as described in the CBC Disclosure Letter, there is no investment banking fee, financial
advisory fee, brokerage fee, finder's fee, commission, or compensation of a similar type payable by CBC or any CBC Subsidiary
to any Person with respect to the Plan of Merger or the consummation of the Merger. CBC has provided ChoiceOne access to true
and complete copies of each agreement, arrangement, and understanding in effect as of the date hereof between CBC and CBC Investment
Banker prior to the date of this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.24</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Fairness Opinion</I>. </FONT>The CBC Board of Directors has received the oral or written
opinion of the CBC Investment Banker, to the effect that, as of such date and based on and subject to the assumptions,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">qualifications
and limitations contained therein, the Merger Consideration is fair to the CBC Shareholders from a financial point of view<FONT STYLE="text-transform: uppercase">.
</FONT>Such opinion has not been amended or rescinded as of the date of this Plan of Merger.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.25</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC-Related Persons.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.25.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Insider Loans</I>. No CBC-Related Person has any loan, credit or other Contract outstanding
with CBC or any CBC Subsidiary that does not conform to applicable rules and regulations of the FDIC, the Federal Reserve Board,
or any other Governmental Entity with jurisdiction over CBC or any CBC Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.25.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Control of Material Assets</I>. Other than in a capacity as a shareholder, director, or
executive officer of CBC or any CBC Subsidiary, no CBC-Related Person owns or controls any assets or properties that are used
in the business of CBC or any CBC Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.25.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Contractual Relationships</I>. Other than ordinary and customary banking relationships,
no CBC-Related Person has any contractual relationship with CBC or any CBC Subsidiary. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">3.25.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loan Relationships</I>. No CBC-Related Person has any outstanding loan or loan commitment
from, or on whose behalf an irrevocable letter of credit has been issued by, CBC or any CBC Subsidiary in a principal amount of
$<FONT STYLE="text-transform: uppercase">500,000</FONT> or more.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.26</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Change in Business Relationships</I>. </FONT>As of the date of this Plan of Merger, no
director or executive officer of CBC has Knowledge, whether on account of the Merger or otherwise, that any customer, agent, representative,
supplier of CBC or any CBC Subsidiary, or other person with whom CBC or any CBC Subsidiary has a contractual relationship, intends
to discontinue, diminish, or change its relationship with CBC or any CBC Subsidiary, the effect of which would reasonably be expected
to have a CBC Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.27</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Insurance</I>. </FONT>CBC and the CBC Subsidiaries maintain in full force and effect insurance
pursuant to the policies provided to ChoiceOne. There is no unsatisfied claim of $100,000 or more under such insurance as to which
the insurance carrier has denied liability. Since January 1, 2014, no insurance company has canceled or refused to renew a policy
of insurance covering CBC's or any CBC Subsidiary's assets, properties, premises, operations, directors or personnel. CBC and
the CBC Subsidiaries have given adequate and timely notice to each insurance carrier, and have complied with all policy provisions,
with respect to any material claim of which CBC has Knowledge and for which a defense or indemnification or both may be available
to CBC or the CBC Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.28</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Books and Records</I>. </FONT>The books of account, minute books, stock record books,
and other records of CBC are complete and correct in all material respects, represent bona fide transactions, and have been maintained
in accordance with sound business practices, including the maintenance of an adequate internal control system. The corporate minute
books of CBC and the CBC Subsidiaries contain accurate and complete records of all meetings of, and corporate action taken by,
their shareholders, boards, and committees in all material respects. Since January 1, 2015, the minutes of each meeting (or corporate
action without a meeting) of any such shareholders, boards, or committees have been prepared and are contained in such minute
books. All such minute books and related exhibits or attachments for all meetings since January 1, 2015, have been made available
for ChoiceOne's review prior to the date of this Plan of Merger without material omission or redaction (other than with respect
to the minutes relating to the Merger or recent and similarly proposed transactions, information subject to attorney-client or
other legal privileges, or confidential supervisory information).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.29</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loan Guarantees</I>. </FONT>Except as have not had, and would not reasonably be expected
to have, individually or in the aggregate, a CBC Material Adverse Effect, all guarantees of indebtedness owed to CBC or any CBC
Subsidiary, including without limitation those of the Federal Housing Administration, the Small Business Administration, and any
other Governmental Entity, are valid and enforceable, except as limited by bankruptcy, insolvency, moratorium, reorganization,
or similar laws affecting the rights of creditors generally and the availability of equitable remedies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.30</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Data Security and Customer Privacy</I>. </FONT>CBC and each CBC Subsidiary is in compliance
in all material respects with (a) all applicable Laws and applicable requirements of Governmental Entities regarding</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">the security
of each of their customers' data and the systems operated by CBC and each CBC Subsidiary (including without limitation the Gramm-Leach-Bliley
Act), and (b) their respective privacy policies, including as relates to the use of individually identifiable personal information
relating to identifiable or identified natural persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.31</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Allowance for Loan and Lease Losses</I>. </FONT>The allowance for loan and lease losses
as reflected in CBC's consolidated financial statements and the CBC Call Reports as of December&nbsp;31, 2018 was, in the reasonable
opinion of CBC's management, (a)&nbsp;adequate to meet all reasonably anticipated loan and lease losses, net of recoveries related
to loans previously charged off as of those dates, (b)&nbsp;consistent with GAAP, except in the case of the CBC Call Reports,
which are consistent with the Interagency Policy Statement on the Allowance for Loan and Lease Losses (the &quot;<B><I>ALLL Policy
Statement</I></B>&quot;), and (c) conforms to recommendations and comments in reports of examination in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.32</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loans and Investment</I>s. </FONT>All investments and, to the Knowledge of CBC, all loans
of CBC and each CBC Subsidiary are: (a)&nbsp;evidenced by notes, agreements or other evidences of indebtedness that are true,
genuine and what they purport to be; (b)&nbsp;legal and enforceable in accordance with their terms, except as may be limited by
any bankruptcy, insolvency, moratorium, or other laws affecting the rights of creditors generally or by the exercise of judicial
discretion; (c)&nbsp;authorized under all applicable Laws; and (d)&nbsp;to the extent secured, secured by valid Liens which have
been perfected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.33</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loan Origination and Servicing</I>. </FONT>In originating, underwriting, servicing, selling,
transferring, and discharging loans, mortgages, land contracts, and other contractual obligations, either for its own account
or for the account of others, CBC and each CBC Subsidiary has complied with all applicable terms and conditions of such obligations
and with all applicable Laws, Contracts, rules, and procedures, except for incidents of noncompliance that have not had, and would
not reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.34</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Securities Laws Matters</I>. </FONT>Neither CBC nor any CBC Subsidiary is or has been,
since January 1, 2015, required to file periodic reports with the SEC. Neither CBC nor any CBC Subsidiary has Knowledge of any
written complaint, allegation, assertion or claim, in each case since January 1, 2013, regarding the accounting or auditing practices,
procedures, methodologies or methods of CBC or any CBC Subsidiary or their respective internal accounting controls, including
any written complaint, allegation, assertion or claim that CBC or any CBC Subsidiary has engaged in questionable accounting or
auditing practices, which, if true, would constitute a significant deficiency or a material weakness.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.35</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Joint Ventures; Strategic Alliances</I>. </FONT>Neither CBC nor any CBC Subsidiary is,
directly or indirectly, a party to or bound by any joint venture, partnership, limited partnership, limited liability company,
or strategic alliance agreement or arrangement with or through any unaffiliated Person providing for their joint or cooperative
development, marketing, referrals, or sales of banking, securities, insurance, or other financial products or services, or their
joint investment in and management of any active business enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.36</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Policies and Procedures</I>. </FONT>CBC and each CBC Subsidiary have complied in all material
respects with the policies and procedures as formally adopted by the respective entity's board of directors and disclosed to ChoiceOne
as applicable to the periods when those policies and procedures were in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.37</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Shareholder Rights Plan; Takeover Laws</I>. </FONT>CBC does not have in effect any shareholder
rights plan, &quot;poison pill,&quot; or similar plan or arrangement. ChoiceOne is not an &quot;interested shareholder&quot; of
CBC as defined in Section 778 of the MBCA. CBC and the CBC Subsidiaries have taken (through their respective boards of directors
or other governing bodies or otherwise) all action required to render inapplicable to this Plan of Merger and the transactions
contemplated hereby any otherwise applicable state takeover Laws, including without limitation any &quot;moratorium,&quot; &quot;control
share,&quot; &quot;fair price,&quot; &quot;affiliate transaction,&quot; &quot;business combination,&quot; &quot;takeover&quot;
or &quot;interested shareholder&quot; Law (collectively, &quot;<B><I>Takeover Laws</I></B>&quot;). Neither CBC nor any CBC Subsidiary
owns any shares of ChoiceOne Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">3.38</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Other Representations and Warranties</I>. </FONT>Except for the representations and
warranties made by CBC and the CBC Subsidiaries in this <I>Article III</I>, neither CBC nor any other Person makes or has made
any representation or warranty with respect to CBC or the CBC Subsidiaries or their respective business, operations,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">assets, Liabilities,
condition (financial or otherwise) or prospects, notwithstanding the delivery or disclosure to ChoiceOne or any of its Affiliates
or Representatives of any documentation, projections, forecasts, estimates, budgets, prospect information or other information
with respect to any one or more of the foregoing.</P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
IV<BR>
CHOICEONE'S REPRESENTATIONS AND WARRANTIES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">Except as specifically
disclosed in (a) the ChoiceOne SEC Reports filed with or furnished to the SEC prior to the date of this Plan of Merger (excluding
any risk factor disclosures set forth under the heading &quot;Risk Factors,&quot; any disclosure of risks included in any &quot;forward&#45;looking
statements&quot; disclaimer or any other forward-looking statement of risk that does not contain a reasonable level of detail
about the risks of which the statement warns), it being understood and agreed that the disclosure of any item in the ChoiceOne
SEC Reports will be deemed disclosure only to the extent the relevance of such disclosure to the sections or subsections of this
<I>Article IV</I> is reasonably apparent on the face of such disclosure or (b) the disclosure letter delivered by ChoiceOne to
CBC prior to or concurrently with the execution of this Plan of Merger (the &quot;<B><I>ChoiceOne Disclosure Letter</I></B>&quot;),
which sets forth, among other things, items the disclosure of which is necessary either in response to an express disclosure requirement
contained in a provision of this Plan of Merger or as an exception to one or more representations or warranties of ChoiceOne contained
in this <I>Article IV</I> or to one or more covenants of ChoiceOne contained in <I>Article V</I>, ChoiceOne represents and warrants
to CBC that:</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Authorization, No Conflicts, Etc.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Authorization of Plan of Merger</I>. ChoiceOne has the requisite corporate power and authority
to execute and deliver this Plan of Merger, and subject to the affirmative vote of the holders of a majority of the outstanding
shares of ChoiceOne Common Stock to approve this Plan of Merger and to approve the Increase in Common Stock (the &quot;<B><I>ChoiceOne
Shareholder Approval</I></B>&quot;), to consummate the transactions contemplated by this Plan of Merger. This Plan of Merger has
been duly adopted, and the consummation of the Merger and the other transactions contemplated by this Plan of Merger have been
duly authorized, by the ChoiceOne Board of Directors. The ChoiceOne Board of Directors has (a)&nbsp;determined that the terms
of this Plan of Merger (including the Increase in Common Stock) are fair to and in the best interests of ChoiceOne and the ChoiceOne
Shareholders, and (b)&nbsp;adopted this Plan of Merger and authorized the transactions contemplated by this Plan of Merger and,
subject to <I>Section 5.4</I>, resolved to recommend approval by the ChoiceOne Shareholders of this Plan of Merger and the Increase
in Common Stock (such recommendation, the &quot;<B><I>ChoiceOne Board Recommendation</I></B>&quot;). Except for the ChoiceOne
Shareholder Approval, no other corporate proceedings on the part of ChoiceOne are necessary to authorize this Plan of Merger or
to consummate the Merger. This Plan of Merger has been duly executed and delivered by, and (assuming authorization, execution
and delivery by CBC) constitutes valid and binding obligations of, ChoiceOne and is enforceable against ChoiceOne in accordance
with its terms, except to the extent that (i)&nbsp;such enforcement may be subject to applicable bankruptcy, insolvency, reorganization,
moratorium or other similar laws, now or hereafter in effect, relating to creditors' rights generally and (ii)&nbsp;equitable
remedies of specific performance and injunctive and other forms of equitable relief may be subject to equitable defenses and to
the discretion of the court before which any proceeding therefor may be brought.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Conflict, Breach, Violation, Etc</I>. The execution, delivery, and performance of this
Plan of Merger by ChoiceOne, the issuance of shares of ChoiceOne Common Stock constituting the Merger Consideration, and the consummation
of the Merger, do not and will not violate, conflict with, or result in a breach of: (a)&nbsp;subject to obtaining the ChoiceOne
Shareholder Approval, any provision of the articles of incorporation or bylaws (or similar organizational documents) of ChoiceOne
or any Subsidiary of ChoiceOne (each a &quot;<B><I>ChoiceOne Subsidiary</I></B>&quot; and collectively, the &quot;<B><I>ChoiceOne
Subsidiaries</I></B>&quot;); or (b)&nbsp;any Law or Order applicable to ChoiceOne or any ChoiceOne Subsidiary, assuming the timely
receipt of each of the approvals referred to in <I>Section 4.1.4</I>. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Regulatory Restrictions</I>. The execution, delivery, and performance of this Plan of
Merger by ChoiceOne, the issuance of shares of ChoiceOne Common Stock constituting the Merger Consideration, and the consummation
of the Merger do not and will not violate, conflict with, result in a breach of, constitute a default under, or require any consent,
approval, waiver, extension, amendment, authorization, notice, or filing under, any cease and desist order, written agreement,
memorandum of understanding, board resolutions or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">other regulatory agreement or commitment with or from a Governmental Entity
to which ChoiceOne or any ChoiceOne Subsidiary is a party or subject, or by which ChoiceOne or any ChoiceOne Subsidiary is bound
or affected.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Required Approvals</I>. No notice to, filing with, authorization of, exemption by, or
consent or approval of, any Governmental Entity is necessary for the consummation of the transactions contemplated by this Plan
of Merger by ChoiceOne other than in connection or compliance with the provisions of the MBCA, compliance with federal and state
securities laws and regulations, and the consents, authorizations, approvals, or exemptions required under the Bank Holding Company
Act, the FDI Act, and the Michigan Banking Code. As of the date hereof, ChoiceOne has no Knowledge of any reason why the regulatory
approvals referred to in this <I>Section 4.1.4</I> cannot be obtained or why the regulatory approval process would be materially
impeded or delayed.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Organization and Good Standing</I>. </FONT>ChoiceOne is a corporation duly organized,
validly existing, and in good standing under the laws of the State of Michigan. ChoiceOne has all requisite corporate power and
authority to own, operate, and lease its properties and assets and to carry on its business as it is now being conducted in all
material respects. ChoiceOne is a financial holding company duly registered as such with the Federal Reserve Board under the Bank
Holding Company Act. ChoiceOne is not, and is not required to be, qualified or admitted to conduct business as a foreign corporation
in any other state, except where such failure to be so qualified has not had, and would not reasonably be expected to have, individually
or in the aggregate, a ChoiceOne Material Adverse Effect.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subsidiaries.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.3.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Ownership</I>. ChoiceOne has provided to CBC a true and complete list of each ChoiceOne
Subsidiary as of the date of this Plan of Merger. Other than the ChoiceOne Subsidiaries, ChoiceOne does not have &quot;control&quot;
(as defined in Section 2(a)(2) of the Bank Holding Company Act, using 5 percent ownership or power to vote rather than 25 percent),
either directly or indirectly, of any Person engaged in an active trade or business or that holds any material assets. ChoiceOne
or a ChoiceOne Subsidiary owns all of the issued and outstanding capital stock or other equity interests of each of the ChoiceOne
Subsidiaries, free and clear of any claim or Lien of any kind. There is no legally binding and enforceable subscription, option,
warrant, right to acquire, or any other similar agreement pertaining to the capital stock or other equity interests of any ChoiceOne
Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.3.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Organization and Good Standing</I>. Each of the ChoiceOne Subsidiaries: (a)&nbsp;is duly
organized and validly existing under the laws of its jurisdiction of organization; (b)&nbsp;is duly qualified to do business and
in good standing in all jurisdictions (whether federal, state, or local) where its ownership or leasing of property or the conduct
of its business requires it to be so qualified, and (c)&nbsp;has all requisite corporate power and authority to own or lease its
properties and assets and to carry on its business as now conducted, except in each of (a) through (c) as has not had, and would
not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.3.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Deposit Insurance; Other Assessments</I>. The deposits of each ChoiceOne Subsidiary that
is a depository institution are insured by the FDIC to the fullest extent permitted by Law, and all premiums and assessments to
be paid in connection therewith have been paid by each such ChoiceOne Subsidiary when due. No proceeding for the revocation or
termination of such deposit insurance is pending or, to the Knowledge of ChoiceOne, threatened. ChoiceOne and each ChoiceOne Subsidiary
has paid as and when due all material fees, charges, assessments, and the like as required by Law to each and every Governmental
Entity having jurisdiction over ChoiceOne or each ChoiceOne Subsidiary.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.4</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Capital Stock.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.4.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Classes and Shares</I>. The authorized capital stock of ChoiceOne consists of 7,100,000
shares, divided into two classes, as follows (a)&nbsp;7,000,000 shares of common stock, no par value (the &quot;<B><I>ChoiceOne
Common Stock</I></B>&quot;), of which 3,618,652 shares were issued and outstanding as of the date of this Plan of Merger; and
(b)&nbsp;100,000 shares of preferred stock, no par value (the &quot;<B><I>ChoiceOne Preferred Stock</I></B>&quot;), of which no
shares were issued and outstanding as of the date of this Plan of Merger. Except for the ChoiceOne Share-Based</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">Awards, as of the
date of this Plan of Merger, (i) there is no security or class of securities outstanding that represents or is convertible into
capital stock of ChoiceOne, and (ii) there are no compensatory awards outstanding pursuant to which ChoiceOne Common Stock has
issued or is issuable, or that relate to or are determined by reference to the value of ChoiceOne Common Stock.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.4.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Share-Based Awards</I>. The ChoiceOne Disclosure Letter sets forth, as of the date of
this Plan of Merger, the number of shares of ChoiceOne Common Stock that are authorized and reserved for issuance under each ChoiceOne
Stock Plan, and the number of shares of ChoiceOne Common Stock that are subject to outstanding ChoiceOne Stock Options and ChoiceOne
Restricted Stock (collectively, &quot;<B><I>ChoiceOne Share-Based Awards</I></B>&quot;) issued under a ChoiceOne Stock Plan. All
ChoiceOne Share-Based Awards have been awarded under a ChoiceOne Stock Plan, and, as of the date of this Plan of Merger, there
are no other compensatory awards outstanding pursuant to which ChoiceOne Common Stock has issued or is issuable, or that relate
to or are determined by reference to the value of ChoiceOne Common Stock. All outstanding shares of ChoiceOne Common Stock, and
all ChoiceOne Common Stock reserved for issuance under the ChoiceOne Stock Plans when issued in accordance with the respective
terms of the ChoiceOne Stock Plans, are or will be duly authorized, validly issued, fully paid and non-assessable and not issued
in violation of any preemptive rights, purchase option, call or right of first refusal rights.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.4.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Issuance of Shares</I>. After the date of this Plan of Merger, the number of issued and
outstanding shares of ChoiceOne Common Stock and ChoiceOne Preferred Stock is not subject to change before the Effective Time,
other than the issuance of shares of ChoiceOne Common Stock upon (a) the exercise or vesting of equity awards granted pursuant
to a ChoiceOne Stock Plan or (b) the purchase of shares of ChoiceOne Common Stock pursuant to the terms of a ChoiceOne Stock Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.4.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Voting Rights</I>. Other than the issued and outstanding shares of ChoiceOne Common Stock
described in <I>Section 4.4.1</I>, neither ChoiceOne nor any ChoiceOne Subsidiary has outstanding any security or issue of securities
the holder or holders of which have the right to vote on the approval of the Merger, this Plan of Merger or the Increase in Common
Stock, or that entitle the holder or holders to consent to, or withhold consent on, the Merger, this Plan of Merger or the Increase
in Common Stock, other than the voting agreements contemplated hereby.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.5</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Financial Statements.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.5.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Financial Statements</I>. The consolidated financial statements of ChoiceOne as of and
for each of the three years ended December 31, 2018, 2017, and 2016, as reported on by ChoiceOne's independent accountants and
as previously made available to CBC (collectively, &quot;<B><I>ChoiceOne's Financial Statements</I></B>&quot;), fairly present
the financial condition and the results of operations, changes in shareholders' equity, and cash flows of ChoiceOne as of the
respective dates of and for the periods referred to in such financial statements, all in accordance with GAAP, consistently applied,
subject, in the case of unaudited interim financial statements, to normal, recurring year-end adjustments (the effect of which
has not had, and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect)
and the absence of notes (that, if presented, would not differ materially from those included in ChoiceOne's Financial Statements).
No financial statements of any entity or enterprise other than the ChoiceOne Subsidiaries are required by GAAP to be included
in the consolidated financial statements of ChoiceOne.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.5.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Call Reports</I>. The following reports (including all related schedules, notes, and exhibits)
were prepared and filed in conformity with applicable regulatory requirements and were correct and complete in all material respects
when filed:</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.5.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Consolidated Reports of Condition and Income (Form FFIEC 041) of each ChoiceOne Subsidiary
required to file such reports (including any amendments) as of and for each of the fiscal years ended December 31, 2018, 2017,
and 2016; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.5.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Parent Company Only Financial Statements for Small Holding Companies (Form FR Y-9SP)
(including any amendments) for ChoiceOne as of and for each of the fiscal years ended December 31, 2018, 2017, and 2016, as filed
with the Federal Reserve Board. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">All of the reports
identified in this <I>Section 4.5.2</I> are collectively referred to as the &quot;<B><I>ChoiceOne Call Reports</I></B>.&quot;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.6</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Absence of Undisclosed Liabilities</I>. </FONT>There exist no Liabilities of ChoiceOne
or any ChoiceOne Subsidiaries other than (a) Liabilities that are reflected, reserved for or disclosed in the ChoiceOne Financial
Statements or the ChoiceOne Call Reports as required by GAAP, (b) Liabilities incurred in the ordinary course of business of ChoiceOne
and the ChoiceOne Subsidiaries or in connection with the Merger or other transactions contemplated by this Plan of Merger, or
(c) Liabilities that would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse
Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.7</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Absence of Certain Changes or Events</I>. </FONT>Since December 31, 2018, (a)&nbsp;ChoiceOne
and the ChoiceOne Subsidiaries have conducted their respective businesses in the ordinary course consistent with past practice
and (b) no event has occurred that has had, or would reasonably be expected to have, individually or in the aggregate, a ChoiceOne
Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.8</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Legal Proceedings</I>. </FONT>There is no Action pending or, to the Knowledge of ChoiceOne,
threatened against ChoiceOne or any of the ChoiceOne Subsidiaries that (a) as of the date of this Plan of Merger, challenges or
seeks to enjoin, alter, prevent or materially delay the Merger or (b) has had, or would reasonably be expected to have, individually
or in the aggregate, a ChoiceOne Material Adverse Effect. There is no material unsatisfied judgment, penalty or award against
ChoiceOne or any of the ChoiceOne Subsidiaries. Neither ChoiceOne nor any of the ChoiceOne Subsidiaries, nor any of their respective
properties or assets, is subject to any Order or, to the Knowledge of ChoiceOne, any investigation by a Governmental Entity, in
each case that has had, or would reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse
Effect. No officer or director of ChoiceOne or any of the ChoiceOne Subsidiaries is a defendant in any Action commenced by any
shareholder of ChoiceOne or any of the ChoiceOne Subsidiaries with respect to the performance of his or her duties as an officer
or a director of ChoiceOne or any of the ChoiceOne Subsidiaries under any applicable Law, except for any Action arising out of
or relating to the Merger and the transactions contemplated by this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.9</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Regulatory Filings</I>. </FONT>In the last three years:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.9.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Regulatory Filings</I>. ChoiceOne and each ChoiceOne Subsidiary has filed in a timely
manner all material filings with Governmental Entities as required by applicable Law; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.9.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Complete and Accurate</I>. All such filings, as of their respective filing dates, complied
in all material respects with all Laws, forms, and guidelines applicable to such filings. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.10</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Indemnification Claims</I>. </FONT>To the Knowledge of ChoiceOne, there has been no
event, action, or omission by or with respect to any director, officer, employee, trustee, agent, or other Person who may be entitled
to receive indemnification or reimbursement of any claim, loss, or expense under any Contract or arrangement providing for indemnification
or reimbursement of any such Person by ChoiceOne or any ChoiceOne Subsidiary.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><I>4.11</I></FONT><I><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Conduct of Business.</FONT></I><FONT STYLE="font-size: 10pt"> ChoiceOne and each ChoiceOne
Subsidiary has conducted its business and used its properties in compliance with all applicable Orders and Laws, including without
limitation applicable federal and state laws and regulations concerning banking, securities, truth-in-lending, truth-in-savings,
mortgage origination and servicing, usury, fair credit reporting, consumer protection, occupational safety, fair lending, civil
rights, employee protection, fair employment practices, fair labor standards, real estate settlement and procedures, insurance,
privacy, and Environmental Laws; except for violations that have not had, and would not reasonably be expected to have, individually
or in the aggregate, a ChoiceOne Material Adverse Effect. For the avoidance of doubt, except for violations that have not had,
and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect, ChoiceOne
and each ChoiceOne Subsidiary has complied in all material respects with and is not in material default or violation under any
applicable Law, statute, Order, rule, regulation, policy and/or guideline of any Governmental Entity relating to it, including,
without limitation and as applicable, all laws related to data protection or privacy, the USA PATRIOT Act, the Bank Secrecy Act,
the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act,</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">the Fair Credit Reporting
Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the
Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, Federal Consumer Credit Protection
Act any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales
of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation
X, Flood Disaster Protection Act, Home Owners Equity Protection Act, Right to Financial Privacy Act, Unfair, Deceptive or Abusive
Acts or Practices, the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist
Financing Act and any other law relating to consumer protection, bank secrecy, discriminatory lending, financing or leasing practices,
money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, all agency requirements
relating to the origination, sale and servicing of mortgage and consumer loans and all other laws and regulations governing the
operations of a federally insured financial institution. ChoiceOne and each ChoiceOne Subsidiary has not had nor suspected any
material incidents of fraud or defalcation involving ChoiceOne, any ChoiceOne Subsidiary or any of their respective officers,
directors or Affiliates during the last two years. ChoiceOne Bank has timely and properly filed and maintained in all material
respects all requisite Currency Transaction Reports and Suspicious Activity Reports and has processes customarily followed by
financial institutions of a similar size to ChoiceOne Bank that are designed to properly monitor transaction activity (including
wire transfers). ChoiceOne Bank has a Community Reinvestment Act rating of &quot;satisfactory&quot; and is an &quot;eligible depository
institution&quot; (as that term is defined in 12 C.F.R. &sect; 303.2(r)). ChoiceOne is &quot;well capitalized&quot; (as that term
is defined in 12 C.F.R. &sect; 225.2(r)) and &quot;well managed&quot; (as that term is defined is 12 C.F.R. &sect; 225.2(s)).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><I>4.12</I></FONT><I><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Experience.</FONT></I><FONT STYLE="font-size: 10pt"> ChoiceOne, either alone or together
with its respective representatives, has such knowledge, sophistication, and experience in business and financial matters so as
to be capable of evaluating the merits and risks of the transactions contemplated by this Plan of Merger and has so evaluated
the merits and risks of such transactions. ChoiceOne is capable of protecting its own respective interests in connection with
the Merger. Further, ChoiceOne understands that no representation is being made as to the future performance of CBC and Lakestone
Bank.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt"><I>4.13</I></FONT><I><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Agreements With Bank Regulators.</FONT></I><FONT STYLE="font-size: 10pt"> Neither ChoiceOne
nor any ChoiceOne Subsidiary is a party to any Regulatory Agreement, nor has ChoiceOne nor any ChoiceOne Subsidiary been advised
by any Governmental Entity that a Governmental Entity is contemplating issuing or requesting (or is considering the appropriateness
of issuing or requesting) an Order or a Regulatory Agreement. Neither ChoiceOne nor any ChoiceOne Subsidiary is required by Section
32 of the FDI Act or FDIC Regulation Part 359 or the Federal Reserve Board to give prior notice to a federal banking agency of
the proposed addition of an individual to its board of directors or the employment of an individual as a senior executive officer
or to limit golden parachute payments or indemnification.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.14</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Tax Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All income and other material Tax Returns required by applicable Law to have been filed by
ChoiceOne and each ChoiceOne Subsidiary since January 1, 2012 have been filed when due (taking into account any extensions), and
each such Tax Return is complete and accurate and correctly reflects the liability for Taxes in all material respects. Since January
1, 2012, ChoiceOne and each ChoiceOne Subsidiary has withheld and paid all material Taxes required to have been withheld and paid
in connection with amounts paid or owing to any third party. Since January 1, 2012, all income and other material Taxes that are
due and payable by ChoiceOne and each ChoiceOne Subsidiary have been paid.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There is no audit or other proceeding pending against or with respect to ChoiceOne or any
ChoiceOne Subsidiary with respect to any Tax. There are no Liens on any of the assets of ChoiceOne or any of the ChoiceOne Subsidiaries
that arose in connection with any failure (or alleged failure) to pay any Tax, other than Liens for Taxes not yet due and payable.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither ChoiceOne nor any ChoiceOne Subsidiary has waived any statute of limitations in respect
of Taxes or agreed to any extension of time with respect to any Taxes, which waiver or extension is still open.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither ChoiceOne nor any ChoiceOne Subsidiary is a party to any Tax indemnification, allocation
or sharing agreement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither ChoiceOne nor any ChoiceOne Subsidiary has been included in any &quot;consolidated,&quot;
&quot;unitary&quot; or &quot;combined&quot; Tax Return for any taxable period for which the statute of limitations has not expired
(other than a group of which ChoiceOne and one or more ChoiceOne Subsidiaries are the only members). Neither ChoiceOne nor any
ChoiceOne Subsidiary is a general partner in any partnership.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within the past three years, neither ChoiceOne nor any ChoiceOne Subsidiary has been a &quot;distributing
corporation&quot; or a &quot;controlled corporation&quot; in a distribution intended to qualify for tax-free treatment under Section
355 or Section 361 of the Code.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither ChoiceOne nor any ChoiceOne Subsidiary has participated in or been a party to a transaction
that, as of the date of this Plan of Merger, constitutes a &quot;listed transaction&quot; for purposes of Section 6011 of the
Code (or a similar provision of state Law).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither ChoiceOne nor any ChoiceOne Subsidiary has taken or agreed to take (or failed to
take or agree to take) any action or has Knowledge of any fact or circumstance that would reasonably be expected to prevent the
Merger from qualifying for the Intended Tax Treatment.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There has been no disallowance of a deduction under Section 162(m) of the Code for any amount
paid or payable by ChoiceOne or any ChoiceOne Subsidiary as employee compensation, whether under any contract, plan, program or
arrangement, understanding or otherwise. Neither ChoiceOne nor any ChoiceOne Subsidiary has made any payment, is obligated to
make any payment, nor is a party to any agreement, contract, arrangement or plan that could obligate it to make any payment that
may be treated, individually or in the aggregate, as an &quot;excess parachute payment&quot; within the meaning of Section 280G
of the Code.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No private letter rulings, technical advice memoranda or similar agreement or rulings have
been requested, entered into or issued by any taxing authority with respect to ChoiceOne or any ChoiceOne Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will not be required to include any material item of income in, or exclude any
material item or deduction from, taxable income for any taxable periods or portions thereof ending after the Effective Time as
a result of: (a)&nbsp;any change in a method of accounting under Section 481 of the Code (or any comparable provision of state,
local or foreign Tax Laws), or use of an improper method of accounting, for a taxable period ending on or prior to the Effective
Time; (b) an installment sale or open transaction occurring on or prior to the Effective Time; (c) a prepaid amount received on
or before the Effective Time; (d)&nbsp;any closing agreement under Section 7121 of the Code, or similar provision of state, local
or foreign Law; or (e)&nbsp;any election under Section 108(i) of the Code.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne has not within the last three (3) years received written notice (or, to the Knowledge
of ChoiceOne, any other notice) of any claim by an authority in a jurisdiction where ChoiceOne or any ChoiceOne Subsidiary does
not file tax returns that ChoiceOne or any ChoiceOne Subsidiary may be subject to taxation by that jurisdiction or required to
file a tax return in such jurisdiction.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.14.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne has been a treated as a C corporation for federal income tax purposes since its
inception and neither ChoiceOne nor any ChoiceOne Subsidiary has ever been or has ever been or has filed any Tax Return as an
S corporation (within the meaning of Code Sections 1361 and 1362) or as a &quot;qualified subchapter S subsidiary&quot; (within
the meaning of Code Section 1361(b)(3)(B)).</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.15</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Properties.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.15.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Title to and Interest in Properties</I>. Except with such exceptions that have not had,
and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect, ChoiceOne
and each ChoiceOne Subsidiary has good and valid title to, or valid leasehold interests in, all of their respective personal and
real properties and assets as used in their respective businesses as presently conducted,</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">and all such personal and real properties
and assets, other than personal and real properties and assets in which ChoiceOne or any of the ChoiceOne Subsidiaries has leasehold
interests, are free and clear of all Liens, except for Permitted Liens. ChoiceOne and each ChoiceOne Subsidiary has complied in
all material respects with the terms of all leases to which it is a party. All material leases to which ChoiceOne or any ChoiceOne
Subsidiary is a party and under which it is in possession of any personal or real property are valid and binding contracts and
are in full force and effect and neither ChoiceOne nor any ChoiceOne Subsidiary has received any written notice alleging violation,
breach, or default of such lease. ChoiceOne and each ChoiceOne Subsidiary is in possession of the properties or assets purported
to be leased under all its material leases. The tangible personal and real property and assets of ChoiceOne and all ChoiceOne
Subsidiaries are in good operating condition and repair, reasonable wear and tear excepted, and, subject to maintenance and repair
in the ordinary course of business consistent with past practice, are adequate for the uses to which they are being put.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.15.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Notices: Owned Real Property</I>. With respect to real property owned by ChoiceOne or
any ChoiceOne Subsidiary, none of ChoiceOne nor any ChoiceOne Subsidiary (a)&nbsp;has received written notice of any pending,
and to the Knowledge of ChoiceOne there is no threatened, condemnation proceeding against any of such real property or (b)&nbsp;has
received written notice from any Governmental Entity that such real property is not in compliance with any applicable Law, except
as have not had, and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse
Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.15.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Notices: Leased Real Property</I>. With respect to real property leased, subleased or
licensed by ChoiceOne or any ChoiceOne Subsidiary, none of ChoiceOne nor any ChoiceOne Subsidiary (a)&nbsp;has received any written
notice alleging a violation, breach or default under any lease of such real property, except for matters being contested in good
faith for which adequate accruals or reserves have been established on the books and records of ChoiceOne as required by GAAP
or (b)&nbsp;(i)&nbsp;has received written notice of any pending, and to the Knowledge of ChoiceOne there is no threatened, condemnation
proceeding with respect to any of such real property or (ii)&nbsp;has received written notice from any Governmental Entity that
such real property is not in compliance with any applicable Law, except as have not had, and would not reasonably be expected
to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.16</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Intellectual Property.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.16.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne and the ChoiceOne Subsidiaries exclusively own, or have a valid license or other
valid right to use, all material Intellectual Property as used in their business as presently conducted; it being understood that
the foregoing will not be construed to expand or diminish the scope of the non-infringement representations and warranties that
follow in this <I>Section 4.16</I>. No Actions, suits or other proceedings are pending or, to the Knowledge of ChoiceOne, threatened
that ChoiceOne or any of the ChoiceOne Subsidiaries is infringing, misappropriating or otherwise violating the rights of any Person
with regard to any Intellectual Property. To the Knowledge of ChoiceOne, no Person is infringing, misappropriating or otherwise
violating the rights of ChoiceOne or any of the ChoiceOne Subsidiaries with respect to any Intellectual Property owned or purported
to be owned by ChoiceOne or any of the ChoiceOne Subsidiaries (collectively the &quot;<B><I>ChoiceOne-Owned Intellectual Property</I></B>&quot;).
Except as have not had, and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse
Effect, to the Knowledge of ChoiceOne: (a)&nbsp;no circumstances exist which could reasonably be expected to give rise to any
(i)&nbsp;Action that challenges the rights of ChoiceOne or any of the ChoiceOne Subsidiaries with respect to the validity or enforceability
of the ChoiceOne-Owned Intellectual Property or (ii)&nbsp;claim of infringement, misappropriation, or violation of the Intellectual
Property rights of any Person, and (b)&nbsp;the consummation of the transactions contemplated by this Plan of Merger will not
give rise to any claim by any Person to a right to own, purchase, transfer, use, alter, impair, extinguish or restrict any ChoiceOne-Owned
Intellectual Property or Intellectual Property licensed to ChoiceOne or any ChoiceOne Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.16.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne and/or its Subsidiaries own, license or have access to information technology software
and systems adequate for operating and performing in all material respects in accordance with their documentation and functional
specifications and otherwise as required in connection with the operation of ChoiceOne and Subsidiaries' business as currently
conducted. The products, services and computer systems offered, owned or licensed by ChoiceOne and its Subsidiaries do not, to
ChoiceOne's Knowledge, contain any disabling device, worm, back door, trojan horse, malware, spyware, adware, ransomware, other
viruses or other disruptive or malicious code that may or are intended to materially impair their intended performance or otherwise
permit</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">unauthorized access to, hamper, delete or damage any computer system, software, network or data. ChoiceOne and its Subsidiaries
have implemented reasonable backup, security and disaster recovery measures and technology and, to ChoiceOne's Knowledge, no Person
has obtained unauthorized access to ChoiceOne's or its Subsidiaries' information technology systems, computer systems, products
or services.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.17</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Required Licenses, Permits, Etc</I>. </FONT>ChoiceOne and each ChoiceOne Subsidiary hold
all material Permits and other rights from all appropriate Governmental Entities necessary for the conduct of its business as
presently conducted. All such material Permits and rights are in full force and effect. Each ChoiceOne Subsidiary, as applicable,
is an approved seller-servicer for each mortgage investor with whom it conducts business, and holds all material Permits, authorizations,
and approvals necessary to carry on the mortgage banking business in the manner in which it is presently being conducted.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.18</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Material Contracts and Change of Control.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.18.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">&quot;<I>Material Contracts&quot; Defined</I>. For the purposes of this Plan of Merger, the
term &quot;<B><I>ChoiceOne Material Contract</I></B>&quot; means any of the following Contracts to which ChoiceOne or any of the
ChoiceOne Subsidiaries is a party or bound as of the date of this Plan of Merger: </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that (a)&nbsp;has been or (b)&nbsp;would be required to be, but has not been,
filed by ChoiceOne as a material contract pursuant to Item 601(b)(10) of Regulation S-K on Form 10-K under the Exchange Act as
if such Form 10-K were filed as of the date of this Plan of Merger; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract, other than any Contracts contemplated by this Plan of Merger, that limits
(or purports to limit) in any material respect the ability of ChoiceOne or any of the ChoiceOne Subsidiaries to engage or compete
in any business (including geographic restrictions and exclusive or preferential arrangements); </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that creates a partnership or joint venture to which ChoiceOne or any of the
ChoiceOne Subsidiaries is a party;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract between or among ChoiceOne and any ChoiceOne Subsidiary;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract with a &quot;correspondent banker&quot; as defined in Regulation F promulgated
by the Federal Reserve Board;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract relating to the borrowing of money by ChoiceOne or any ChoiceOne Subsidiary
or guarantee by ChoiceOne or any ChoiceOne Subsidiary of such obligation (other than Contracts evidencing deposit liabilities,
purchases of federal funds, fully-secured repurchase agreements, FHLB advances to ChoiceOne Subsidiaries that are depository institutions,
trade payables and Contracts relating to borrowings or guarantees made in the ordinary course of business consistent with past
practice) in excess of $250,000;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that relates to the acquisition or disposition of any material business (whether
by merger, sale of stock, sale of assets or otherwise) or material asset, other than this Plan of Merger, pursuant to which ChoiceOne
or any of the ChoiceOne Subsidiaries has any continuing obligations, contingent or otherwise;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that grants any right of first refusal or right of first offer or similar right
or that limits or purports to limit the ability of ChoiceOne or any of the ChoiceOne Subsidiaries to own, operate, sell, transfer,
pledge or otherwise dispose of any material amount of assets or businesses;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Other than as contemplated by this Plan of Merger, each voting agreement or registration
rights agreement with respect to the capital stock of ChoiceOne or any of the ChoiceOne Subsidiaries; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract granting ChoiceOne or any ChoiceOne Subsidiary the right to use, restricting
ChoiceOne's or any ChoiceOne Subsidiary's right to use, or granting any other Person the right to use Intellectual Property that
is material to the conduct of ChoiceOne's or any ChoiceOne Subsidiary's business (including any license, franchise agreement,
co-existence agreement, concurrent-use agreement, settlement agreement or other similar type Contract); </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that limits the payment of dividends by ChoiceOne or any ChoiceOne Subsidiary;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract involving a standstill or similar obligation of ChoiceOne or any of the ChoiceOne
Subsidiaries relating to the purchase of securities of ChoiceOne or any other Person;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except transactions made in accordance with Regulation O and agreements entered into in the
ordinary course of business consistent with past practice for compensation or indemnity, any Contract between ChoiceOne or any
ChoiceOne Subsidiary, on the one hand, and, on the other hand (a)&nbsp;any officer or director of ChoiceOne or a ChoiceOne Subsidiary,
or (b)&nbsp;to the Knowledge of ChoiceOne, any (i)&nbsp;record or beneficial owner of five percent or more of the voting securities
of ChoiceOne, (ii)&nbsp;Affiliate or &quot;immediate family member&quot; (as defined by the Federal Reserve Board in Regulation
Y) of any such officer, director, or record or beneficial owner, or (iii)&nbsp;other Affiliate of ChoiceOne, except those Contracts
of a type available to employees of ChoiceOne generally; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract for any one capital expenditure or a series of capital expenditures, the aggregate
amount of which is in excess of $250,000; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract or commitment to make a loan not yet fully disbursed or funded to any Person,
wherein the undisbursed or unfunded amount exceeds $1,000,000;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract or commitment for a loan participation agreement with any other Person in excess
of $1,000,000; and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">4.18.1.17</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each Contract that is material to the financial condition, results of operations or business
of ChoiceOne or any ChoiceOne Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.18.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Full Force and Effect</I>. Prior to the date of this Plan of Merger, ChoiceOne has provided
or made available to CBC a true and complete copy of each ChoiceOne Material Contract in effect as of the date of this Plan of
Merger. Except for matters that have not had, and would not reasonably be expected to have, individually or in the aggregate,
a ChoiceOne Material Adverse Effect, (a)&nbsp;all ChoiceOne Material Contracts are in full force and effect as of the date of
this Plan of Merger, (b)&nbsp;neither ChoiceOne nor any of the ChoiceOne Subsidiaries is in violation or breach of or default
under (or with notice or lapse of time, or both, would be in violation or breach of or default under) the terms of any ChoiceOne
Material Contract, (c)&nbsp;to the Knowledge of ChoiceOne, no other party to any ChoiceOne Material Contract is in breach of or
in default under any ChoiceOne Material Contract, and (d)&nbsp;neither ChoiceOne nor any ChoiceOne Subsidiary has received written
notice of breach or termination (or proposed breach or termination) of any ChoiceOne Material Contract.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.18.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Effect of Merger and Related Transactions</I>. There is no ChoiceOne Material Contract
under which (a)&nbsp;a consent or approval is required for the Merger, (b)&nbsp;a prohibited assignment by operation of Law could
occur, (c)&nbsp;a waiver or loss of any right could occur, or (d)&nbsp;an acceleration of any obligation would be deemed to occur
as a result of the Merger, in each case as a result of the execution and delivery of this Plan of Merger or the consummation of
the transactions contemplated herein, where any such occurrence would reasonably be expected to (i) materially interfere with
the ordinary course of business conducted by ChoiceOne, any ChoiceOne Subsidiary, or the Surviving Corporation or (ii) have a
ChoiceOne Material Adverse Effect.</FONT></P>

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<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.19</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Labor and Employment Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Compliance with Labor and Employment Laws</I>. (a)&nbsp;ChoiceOne and all of the ChoiceOne
Subsidiaries are in compliance with all applicable Laws relating to labor and employment practices, including those relating to
wages, employee benefits, hours and overtime, workplace safety and health, immigration, individual and collective termination,
non-discrimination and data privacy, the identification of particular employees or job classifications as &quot;exempt&quot; or
&quot;non-exempt&quot; for purposes of such obligations, and any and all other matters involving compensation or benefits afforded
to or not afforded to employees, contractors or consultants except for such noncompliance as has not had, and would not reasonably
be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect; (b)&nbsp;as of the date of this Plan
of Merger there is no unfair labor practice charge or complaint pending before the NLRB or, to the Knowledge of ChoiceOne, threatened
against ChoiceOne or any of the ChoiceOne Subsidiaries; (c)&nbsp;as of the date of this Plan of Merger and during the past three
years there has been no labor strike, slowdown, work stoppage or lockout, pending or, to the Knowledge of ChoiceOne, threatened
against or affecting ChoiceOne or any of the ChoiceOne Subsidiaries; (d)&nbsp;there is no representation claim or petition pending
before the NLRB or any similar foreign agency relating to the employees of ChoiceOne or any ChoiceOne Subsidiary; (e)&nbsp;as
of the date of this Plan of Merger, ChoiceOne has not received written notice of charges with respect to or relating to ChoiceOne
or any ChoiceOne Subsidiary pending before the Equal Employment Opportunity Commission or other Governmental Entity responsible
for the prevention of unlawful employment practices; and (f)&nbsp;neither ChoiceOne nor any ChoiceOne Subsidiary has received
any written notice from any Governmental Entity responsible for the enforcement of labor or employment laws of an intention to
conduct an investigation of ChoiceOne or any ChoiceOne Subsidiary and, to the Knowledge of ChoiceOne, no such investigation is
in progress.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Collective Bargaining Agreements</I>. Neither ChoiceOne nor any ChoiceOne Subsidiary is
party to, bound by, or negotiating any Collective Bargaining Agreement or any other Contract with any labor organization, union,
works council, employee representative or association.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>At-Will Employment</I>. All salaried employees, hourly employees, and temporary employees
of ChoiceOne and any of the ChoiceOne Subsidiaries are employed on an at-will basis by ChoiceOne or any of the ChoiceOne Subsidiaries
and may be terminated at any time with or without cause and without any severance or other liabilities to ChoiceOne or any ChoiceOne
Subsidiary, or have signed an agreement or acknowledged in writing that their employment is at will. There has been no written
representation by ChoiceOne or any ChoiceOne Subsidiary made to any employees that commits ChoiceOne, any ChoiceOne Subsidiary,
or the Surviving Corporation to retain them as employees for any period of time subsequent to the Closing.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>WARN Act</I>. Since January 1, 2013, neither ChoiceOne nor any ChoiceOne Subsidiary has
effectuated a &quot;plant closing&quot; or a &quot;mass lay off&quot; (in each case, as defined in the WARN Act), in either case
affecting any site of employment or facility of ChoiceOne or any ChoiceOne Subsidiary, except in compliance with the WARN Act.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Occupational Health and Safety</I>. There is no audit, investigation, charge or proceeding
with respect to a material violation of any occupational health and safety standards that is pending or unremedied, or to the
Knowledge of ChoiceOne, threatened against ChoiceOne or any ChoiceOne Subsidiary. ChoiceOne and all of the ChoiceOne Subsidiaries
are in compliance with all applicable occupational health and safety Laws, except for such failures to comply as have not had,
and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Certain Contracts</I>. Neither ChoiceOne nor any ChoiceOne Subsidiary is a party or subject
to any Contract which restricts ChoiceOne or any ChoiceOne Subsidiary from relocating, closing or terminating any of its operations
or facilities or any portion of its operations or facilities.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Liabilities under Employment and Benefit Contracts</I>. The consummation of the transactions
contemplated by this Plan of Merger will not create Liabilities for any act by ChoiceOne or any ChoiceOne Subsidiary on or prior
to the Closing under any Collective Bargaining Agreement, employment or benefit Contract or ChoiceOne Benefit Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Eligibility Verification</I>. ChoiceOne has implemented commercially reasonable procedures
to ensure that all employees who are performing services for ChoiceOne or any ChoiceOne Subsidiary in the United States are legally
permitted to work in the United States and will be legally permitted to work in the United States for the Surviving Corporation
or any of its Subsidiaries following the consummation of the transactions contemplated by this Plan of Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.19.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Employment Policies, Programs, and Procedures</I>. The policies, programs, and practices
of ChoiceOne and all ChoiceOne Subsidiaries relating to equal opportunity and affirmative action, wages, employee classifications
(including independent contractor versus employee and exempt versus non-exempt), hours of work, employee disabilities, employment
termination, employment discrimination, employee safety, labor relations, and other terms and conditions of employment are in
compliance in all material respects with applicable Law governing or relating to employment and employer practices and facilities.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.20</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Employee Benefits.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne has delivered or made available to CBC true and complete copies of all material
ChoiceOne Benefit Plans. Each ChoiceOne Benefit Plan is in compliance with all applicable requirements of ERISA, the Code and
all other applicable Laws and has been administered in accordance with its terms and such Laws, except for such noncompliance
that has not had, and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse
Effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each ChoiceOne Benefit Plan that is intended to be qualified within the meaning of Section
401 of the Code is so qualified and has at all times since its adoption been so qualified, and to the Knowledge of ChoiceOne,
no condition exists and no event has occurred that could reasonably be expected to result in the loss or revocation of such qualification
in any material respect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">To ChoiceOne's Knowledge, all contributions, payments or premiums required to be made with
respect to any ChoiceOne Benefit Plan by ChoiceOne on or before the date of this Plan of Merger have been timely made, and all
benefits accrued under any unfunded ChoiceOne Benefit Plan have been paid, accrued or otherwise adequately reserved in accordance
with GAAP, and each of ChoiceOne and the ChoiceOne Subsidiaries have performed all material obligations required to be performed
under all ChoiceOne Benefit Plans with respect to which ChoiceOne or any ERISA Affiliate of ChoiceOne has an obligation to contribute.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither ChoiceOne nor any ERISA Affiliate of ChoiceOne participates in nor since December
31, 1973 ever has participated in any Multiemployer Plan, and neither ChoiceOne nor any ERISA Affiliate of ChoiceOne maintains
or contributes to, or is party to, and, at no time since January 1, 2013 maintained, contributed to, or was a party to, any plan,
program, agreement or policy that (a)&nbsp;is a &quot;defined benefit plan&quot; within the meaning of section 414(j) of the Code
or 3(35) of ERISA, (b)&nbsp; is a &quot;multiple employer plan&quot; as defined in ERISA or the Code (whether or not subject thereto),
(c)&nbsp;is described in Section 401(a)(1) of ERISA (whether or not subject thereto), (d)&nbsp;is a multiple employer welfare
arrangement within the meaning of Section 3(40)(A) of the Code, (e)&nbsp;is a voluntary employees beneficiary association within
the meaning of Code Section 501(c)(9), or (f)&nbsp;is primarily for the benefit of employees who reside outside of the United
States.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as required by Part 6 of Subtitle B of Title I of ERISA or section 4980B of the Code
or any state Laws requiring continuation of benefits coverage following termination of employment, neither ChoiceOne nor any ChoiceOne
Subsidiary provides health or welfare benefits for any retired or former employee following such employee's retirement or other
termination of service.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The execution, delivery of, and performance by ChoiceOne of its obligations under the transactions
contemplated by this Plan of Merger (either alone or upon the occurrence of any additional or subsequent event) will not (a)&nbsp;result
in any payment (whether of severance pay or otherwise), acceleration, forgiveness of indebtedness, vesting, distribution, increase
in benefits or obligation to fund benefits with respect to any current, former or retired employees, officers, consultants, independent
contractors, agents or directors of ChoiceOne or any of the ChoiceOne Subsidiaries; or (b)&nbsp;result in the triggering or imposition
of any restrictions or limitations on the right of ChoiceOne or any of the ChoiceOne Subsidiaries to amend or terminate any ChoiceOne
Benefit Plan.</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne and the ChoiceOne Subsidiaries may, subject to the limitations imposed by applicable
Law and the terms of the applicable ChoiceOne Benefit Plan, without the consent of any employee, beneficiary, or other person,
prospectively terminate, modify, or amend any such ChoiceOne Benefit Plan effective as of any date on or after the date of this
Plan of Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">To ChoiceOne's Knowledge, each ChoiceOne Benefit Plan that is a &quot;nonqualified deferred
compensation plan&quot; (as defined under Section 409A(d)(1) of the Code) (a)&nbsp;has been operated and administered in compliance
with Section 409A of the Code or (b)&nbsp;any payments under such plans have been earned and vested on or prior to December 31,
2004 and such plans have not been materially modified other than modifications to comply with Code Section 409A and the regulations
promulgated thereunder. Neither ChoiceOne nor any of the ChoiceOne Subsidiaries have entered into any agreement or arrangement
to, and do not otherwise have any obligation to, indemnify or hold harmless any Person for any Liability that results from the
failure to comply with the requirements of Section 409A of the Code and the regulations promulgated thereunder.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">There is no pending or, to the Knowledge of ChoiceOne, threatened Action with respect to
any ChoiceOne Benefit Plans, other than ordinary and usual claims for benefits by participants and beneficiaries.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Since January 1, 2013, neither ChoiceOne nor any of the ChoiceOne Subsidiaries have agreed
or otherwise committed to, whether in writing or otherwise, adopt any new plan, program, agreement or policy that would constitute
a ChoiceOne Benefit Plan or result in participation in a Multiemployer Plan or increase or improve the compensation, benefits,
or terms and conditions of employment or service of any director, officer, employee, or consultant, except (a)&nbsp;in the ordinary
course of business consistent with past practice with respect to individual employees who are not officers (and not with respect
to a substantial class of employees) or (b)&nbsp;as required by applicable Law or any applicable ChoiceOne Benefit Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.20.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each of the ChoiceOne Benefit Plans which is an employee welfare benefit plan within the
meaning of Section 3(1) of ERISA is in compliance with the Patient Protection and Affordable Care Act and its companion bill,
the Health Care and Education Reconciliation Act of 2010, to the extent applicable, except for such noncompliance that has not
had, and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect. Neither
ChoiceOne nor any of the ChoiceOne Subsidiaries have any liability in the nature of retroactive rate adjustment, loss sharing
arrangement or other material Liability arising wholly or partially out of events occurring on or before the Closing.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.21</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Environmental Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.21.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except for any matters that have not had, and would not reasonably be expected to have, individually
or in the aggregate, a ChoiceOne Material Adverse Effect: (a)&nbsp;ChoiceOne and each of the ChoiceOne Subsidiaries is and has
been in compliance with and has no Liability under applicable Environmental Laws; (b)&nbsp;ChoiceOne and each of the ChoiceOne
Subsidiaries possesses, has possessed and is and has been in compliance with all required Environmental Permits; (c)&nbsp;there
are no Environmental Claims pending or, to the Knowledge of ChoiceOne, threatened against ChoiceOne or any of the ChoiceOne Subsidiaries,
and, to the Knowledge of ChoiceOne, there are no facts or circumstances which could reasonably be expected to form the basis for
any Environmental Claim against ChoiceOne or any of the ChoiceOne Subsidiaries; (d)&nbsp;no Releases of Hazardous Materials have
occurred and no Person has been exposed to any Hazardous Materials at, from, in, to, on, or under any ChoiceOne Site and no Hazardous
Materials are present in, on, about or migrating to or from any ChoiceOne Site, in each case as could give rise to an Environmental
Claim against ChoiceOne or any of the ChoiceOne Subsidiaries; (e)&nbsp;neither ChoiceOne nor any of the ChoiceOne Subsidiaries
has entered into or is subject to, any judgment, decree, order or other similar requirement of or agreement with any Governmental
Entity under any Environmental Laws; (f)&nbsp;neither ChoiceOne nor any of the ChoiceOne Subsidiaries has assumed responsibility
for or agreed to indemnify or hold harmless any Person for any Liability, arising under or relating to Environmental Laws; and
(g)&nbsp;neither ChoiceOne nor any of the ChoiceOne Subsidiaries, any predecessors of ChoiceOne or any of the ChoiceOne Subsidiaries,
nor any entity previously owned by ChoiceOne or any of the ChoiceOne Subsidiaries, has transported or arranged for the treatment,
storage, handling, disposal, or transportation of any Hazardous Material to any off-Site location which has or could result in
an Environmental Claim against ChoiceOne or any of the ChoiceOne Subsidiaries.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.21.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No ChoiceOne Site contains, and to the Knowledge of ChoiceOne has ever contained, any underground
storage tanks. With respect to any underground storage tank that is listed in the ChoiceOne Disclosure Letter as an exception
to the foregoing, each such underground storage tank presently or previously located on any ChoiceOne Site has been operated,
maintained and removed or closed in place, as applicable, in compliance with all applicable Environmental Laws, and has not been
the source of any Release of a Hazardous Material to the environment that has not been fully remediated. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.22</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Duties as Fiduciary</I>. </FONT>To the Knowledge of ChoiceOne, ChoiceOne and each ChoiceOne
Subsidiary has performed all of its respective duties in any capacity as trustee, executor, administrator, registrar, guardian,
custodian, escrow agent, receiver, or other fiduciary in a fashion that complies in all material respects with all applicable
Laws, Contracts, wills, instruments and common law standards. Neither ChoiceOne nor any ChoiceOne Subsidiary has received any
notice of any Action, claim, allegation or complaint from any Person that ChoiceOne or any ChoiceOne Subsidiary failed to perform
these duties in a manner that complies in all material respects with all applicable Laws, Contracts, wills, instruments and common
law standards, except for notices involving matters that have been resolved and any cost of such resolution is reflected in ChoiceOne's
Financial Statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.23</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Investment Bankers and Brokers</I>. </FONT>ChoiceOne has employed Professional Bank Services,
Inc. (d/b/a ProBank Austin) and its affiliate, Investment Bank Services, Inc. (collectively, &quot;<B><I>ChoiceOne Investment
Banker</I></B>&quot;) in connection with the Merger. ChoiceOne, the ChoiceOne Subsidiaries, and their respective Representatives
have not employed, engaged, or consulted with any broker, finder, or investment banker other than ChoiceOne Investment Banker
in connection with this Plan of Merger or the Merger. Other than the fees and expenses payable by ChoiceOne to ChoiceOne Investment
Banker in connection with the Merger, as described in the ChoiceOne Disclosure Letter, there is no investment banking fee, financial
advisory fee, brokerage fee, finder's fee, commission, or compensation of a similar type payable by ChoiceOne or any ChoiceOne
Subsidiary to any Person with respect to the Plan of Merger or the consummation of the Merger. ChoiceOne has provided CBC access
to true and complete copies of each agreement, arrangement, and understanding in effect as of the date hereof between ChoiceOne
and ChoiceOne Investment Banker prior to the date of this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.24</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Fairness Opinion</I>. </FONT>The ChoiceOne Board of Directors has received the oral opinion
of the ChoiceOne Investment Banker, to the effect that, as of such date and based on and subject to the assumptions, qualifications
and limitations contained therein, the Merger Consideration is fair to ChoiceOne from a financial point of view<FONT STYLE="text-transform: uppercase">.
</FONT>Such opinion has not been amended or rescinded as of the date of this Plan of Merger.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.25</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne-Related Persons.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.25.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Insider Loans</I>. No ChoiceOne-Related Person has any loan, credit or other Contract
outstanding with ChoiceOne or any ChoiceOne Subsidiary that does not conform to applicable rules and regulations of the FDIC,
the Federal Reserve Board, or any other Governmental Entity with jurisdiction over ChoiceOne or any ChoiceOne Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.25.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Control of Material Assets</I>. Other than in a capacity as a shareholder, director, or
executive officer of ChoiceOne or any ChoiceOne Subsidiary, no ChoiceOne-Related Person owns or controls any assets or properties
that are used in the business of ChoiceOne or any ChoiceOne Subsidiary.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.25.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Contractual Relationships</I>. Other than ordinary and customary banking relationships,
no ChoiceOne-Related Person has any contractual relationship with ChoiceOne or any ChoiceOne Subsidiary. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.25.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loan Relationships</I>. No ChoiceOne-Related Person has any outstanding loan or loan commitment
from, or on whose behalf an irrevocable letter of credit has been issued by, ChoiceOne or any ChoiceOne Subsidiary in a principal
amount of $<FONT STYLE="text-transform: uppercase">500,000</FONT> or more.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.26</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Change in Business Relationships</I>. </FONT>As of the date of this Plan of Merger, no
director or executive officer of ChoiceOne has Knowledge, whether on account of the Merger or otherwise, that any customer, agent,
representative, supplier of ChoiceOne or any ChoiceOne Subsidiary, or other person with whom ChoiceOne</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">or any ChoiceOne Subsidiary
has a contractual relationship, intends to discontinue, diminish, or change its relationship with ChoiceOne or any ChoiceOne Subsidiary,
the effect of which would reasonably be expected to have a ChoiceOne Material Adverse Effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.27</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Insurance</I>. </FONT>ChoiceOne and the ChoiceOne Subsidiaries maintain in full force
and effect insurance pursuant to the policies provided to CBC. There is no unsatisfied claim of $100,000 or more under such insurance
as to which the insurance carrier has denied liability. Since January 1, 2014, no insurance company has canceled or refused to
renew a policy of insurance covering ChoiceOne's or any ChoiceOne Subsidiary's assets, properties, premises, operations, directors
or personnel. ChoiceOne and the ChoiceOne Subsidiaries have given adequate and timely notice to each insurance carrier, and have
complied with all policy provisions, with respect to any material claim of which ChoiceOne has Knowledge and for which a defense
or indemnification or both may be available to ChoiceOne or the ChoiceOne Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.28</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Books and Records</I>. </FONT>The books of account, minute books, stock record books,
and other records of ChoiceOne are complete and correct in all material respects, represent bona fide transactions, and have been
maintained in accordance with sound business practices, including the maintenance of an adequate internal control system. The
corporate minute books of ChoiceOne and the ChoiceOne Subsidiaries contain accurate and complete records of all meetings of, and
corporate action taken by, their shareholders, boards, and committees in all material respects. Since January 1, 2015, the minutes
of each meeting (or corporate action without a meeting) of any such shareholders, boards, or committees have been prepared and
are contained in such minute books. All such minute books and related exhibits or attachments for all meetings since January 1,
2015, have been made available for CBC's review prior to the date of this Plan of Merger without material omission or redaction
(other than with respect to the minutes relating to the Merger or recent and similarly proposed transactions, information subject
to attorney-client or other legal privileges, or confidential supervisory information).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.29</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loan Guarantees</I>. </FONT>Except as have not had, and would not reasonably be expected
to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect, all guarantees of indebtedness owed to ChoiceOne
or any ChoiceOne Subsidiary, including without limitation those of the Federal Housing Administration, the Small Business Administration,
and any other Governmental Entity, are valid and enforceable, except as limited by bankruptcy, insolvency, moratorium, reorganization,
or similar laws affecting the rights of creditors generally and the availability of equitable remedies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.30</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Data Security and Customer Privacy</I>. </FONT>ChoiceOne and each ChoiceOne Subsidiary
is in compliance in all material respects with (a) all applicable Laws and applicable requirements of Governmental Entities regarding
the security of each of their customers' data and the systems operated by ChoiceOne and each ChoiceOne Subsidiary (including without
limitation the Gramm-Leach-Bliley Act), and (b) their respective privacy policies, including as relates to the use of individually
identifiable personal information relating to identifiable or identified natural persons.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.31</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Allowance for Loan and Lease Losses</I>. </FONT>The allowance for loan and lease losses
as reflected in ChoiceOne's consolidated financial statements and the ChoiceOne Call Reports as of December 31, 2018 was, in the
reasonable opinion of ChoiceOne's management, (a)&nbsp;adequate to meet all reasonably anticipated loan and lease losses, net
of recoveries related to loans previously charged off as of those dates, (b)&nbsp;consistent with GAAP, except in the case of
the ChoiceOne Call Reports, which are consistent with the ALLL Policy Statement, and (c) conforms to recommendations and comments
in reports of examination in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.32</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loans and Investments</I>. </FONT>All investments and, to the Knowledge of ChoiceOne,
all loans of ChoiceOne and each ChoiceOne Subsidiary are: (a)&nbsp;evidenced by notes, agreements or other evidences of indebtedness
that are true, genuine and what they purport to be; (b)&nbsp;legal and enforceable in accordance with their terms, except as may
be limited by any bankruptcy, insolvency, moratorium, or other laws affecting the rights of creditors generally or by the exercise
of judicial discretion; (c)&nbsp;authorized under all applicable Laws; and (d)&nbsp;to the extent secured, secured by valid Liens
which have been perfected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.33</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Loan Origination and Servicing</I>. </FONT>In originating, underwriting, servicing, selling,
transferring, and discharging loans, mortgages, land contracts, and other contractual obligations, either for its own account
or for the account of others, ChoiceOne and each ChoiceOne Subsidiary has complied with all applicable</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">terms and conditions of
such obligations and with all applicable Laws, Contracts, rules, and procedures, except for incidents of noncompliance that have
not had, and would not reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.34</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Securities Laws Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.34.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Since January 1, 2016, ChoiceOne has filed or furnished all forms, documents and reports
required to be filed or furnished with the SEC under the Securities Act or the Exchange Act (collectively with any amendments
thereto, but excluding the Joint Proxy Statement and the Registration Statement, the &quot;<B><I>ChoiceOne SEC Reports</I></B>&quot;).
Each of the ChoiceOne SEC Reports, in each case as of its filing or furnishing date, or, if amended, as finally amended prior
to the date of this Plan of Merger (with respect to those ChoiceOne SEC&nbsp;Reports filed or furnished prior to the date of this
Plan of Merger), has complied as to form in all material respects with the applicable requirements of the Securities&nbsp;Act
and the Exchange&nbsp;Act, and none of the ChoiceOne SEC Reports, when filed or furnished or, if amended, as finally amended prior
to the date of this Plan of Merger, contained any untrue statement of a material fact or omitted to state a material fact required
to be stated therein or necessary in order to make the statements therein, in the light of the circumstances under which they
were made, not misleading. None of the ChoiceOne Subsidiaries are or ever has been required to file periodic reports with the
SEC. As of the date of this Plan of Merger, there are no material outstanding or unresolved comments received from the SEC with
respect to any of the ChoiceOne SEC Reports.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">4.34.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne has established and maintains disclosure controls and procedures (as such term
is defined in Rule 13a-15(e) under the Exchange Act) as required by Rule 13a-15(a) under the Exchange Act, and ChoiceOne has established
and maintains internal controls over financial reporting (as such term is defined in Rule 13a-15(f) under the Exchange Act) as
required by Rule 13a-15(a) under the Exchange Act. ChoiceOne has disclosed, based on its most recent evaluation prior to the date
of this Plan of Merger, to ChoiceOne's auditors and the audit committee of the ChoiceOne Board of Directors (a)&nbsp;any significant
deficiencies and material weaknesses in the design or operation of its internal controls over financial reporting (as defined
in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect ChoiceOne's ability to record, process,
summarize and report financial information and (b)&nbsp;any fraud that involves management or other employees who have a significant
role in ChoiceOne's internal controls over financial reporting. Neither ChoiceOne nor any of the ChoiceOne Subsidiaries has Knowledge
of any written complaint, allegation, assertion or claim, in each case since January 1, 2013, regarding the accounting or auditing
practices, procedures, methodologies or methods of ChoiceOne or any ChoiceOne Subsidiary or their respective internal accounting
controls, including any written complaint, allegation, assertion or claim that ChoiceOne or any ChoiceOne Subsidiary has engaged
in questionable accounting or auditing practices, which, if true, would constitute a significant deficiency or a material weakness.
Since January 1, 2013, subject to any applicable grace periods, ChoiceOne has been and is in compliance with (i)&nbsp;the applicable
provisions of the Sarbanes Oxley Act of 2002 and (ii)&nbsp;the applicable listing and corporate governance rules and regulations
of the OTC Pink marketplace, except in each case as has not had, and would not reasonably be expected to have, individually or
in the aggregate, a ChoiceOne Material Adverse Effect.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.35</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Joint Ventures; Strategic Alliances</I>. </FONT>Neither ChoiceOne nor any ChoiceOne Subsidiary
is, directly or indirectly, a party to or bound by any joint venture, partnership, limited partnership, limited liability company,
or strategic alliance agreement or arrangement with or through any unaffiliated Person providing for their joint or cooperative
development, marketing, referrals, or sales of banking, securities, insurance, or other financial products or services, or their
joint investment in and management of any active business enterprise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.36</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Policies and Procedures</I>. </FONT>ChoiceOne and each ChoiceOne Subsidiary have complied
in all material respects with the policies and procedures as formally adopted by the respective entity's board of directors and
disclosed to CBC as applicable to the periods when those policies and procedures were in effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.37</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Shareholder Rights Plan; Takeover Laws</I><FONT STYLE="font-style: normal">. </FONT></FONT>ChoiceOne
does not have in effect any shareholder rights plan, &quot;poison pill,&quot; or similar plan or arrangement. ChoiceOne is not
an &quot;interested shareholder&quot; of CBC as defined in Section 778 of the MBCA. ChoiceOne and the ChoiceOne Subsidiaries have
taken (through their respective boards of directors or other governing bodies or otherwise) all action required to render inapplicable
to this Plan of Merger and the transactions contemplated hereby any otherwise applicable Takeover Laws. Neither ChoiceOne nor
any ChoiceOne Subsidiary owns any shares of CBC Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">4.38</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Other Representations and Warranties</I>. </FONT>Except for the representations and
warranties made by ChoiceOne and the ChoiceOne Subsidiaries in this <I>Article IV</I>, neither ChoiceOne nor any other Person
makes or has made any representation or warranty with respect to ChoiceOne or the ChoiceOne Subsidiaries or their respective business,
operations, assets, Liabilities, condition (financial or otherwise) or prospects, notwithstanding the delivery or disclosure to
CBC or any of its Affiliates or Representatives of any documentation, projections, forecasts, estimates, budgets, prospect information
or other information with respect to any one or more of the foregoing.</P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
V<BR>
COVENANTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Conduct of Business by CBC</I>. </FONT>CBC will, and will cause each of the CBC Subsidiaries
to, during the period from the date of this Plan of Merger and ending at the earlier of the Effective Time and the termination
of this Plan of Merger in accordance with <I>Article VII</I>, except as expressly contemplated by this Plan of Merger or as required
by applicable Law or with the prior written consent of ChoiceOne (which consent will not be unreasonably withheld, conditioned
or delayed), conduct its business in the ordinary course of business generally consistent with past practice, and, to the extent
consistent therewith, CBC will, and will cause each of the CBC Subsidiaries to, use its Commercially Reasonable Efforts to preserve
substantially intact its and the CBC Subsidiaries' business organization, to keep available the services of its and the CBC Subsidiaries'
current officers and employees, and to preserve its and the CBC Subsidiaries' present relationships with customers, suppliers,
vendors, licensors and other Persons having business relationships with it. Without limiting the generality of the foregoing,
between the date of this Plan of Merger and ending at the earlier of the Effective Time and the termination of this Plan of Merger
in accordance with <I>Article VII</I>, except as otherwise provided or expressly contemplated by this Plan of Merger or as set
forth on the CBC Disclosure Letter or as required by applicable Law, CBC will not, nor will it permit any of the CBC Subsidiaries
to, without the prior written consent of ChoiceOne (which consent will not be unreasonably withheld, conditioned or delayed):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">amend its articles of incorporation or bylaws (or other comparable organizational documents);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a) split, combine or reclassify any securities issued by CBC or any of the CBC Subsidiaries,
(b) repurchase, redeem or otherwise acquire, or offer to repurchase, redeem or otherwise acquire, any securities issued by CBC
or any of the CBC Subsidiaries, or (c) declare, set aside or pay any dividend or distribution (whether in cash, stock, property
or otherwise) in respect of, or enter into any Contract with respect to the voting of, any shares of its capital stock, except
(i) subject to <I>Section 5.16</I>, payment of quarterly cash dividends by CBC in an amount not to exceed $0.36 per share of CBC
Common Stock per quarter, and in a manner consistent with past practice with respect to the timing of the declaration, payment
and record date of such dividend, and (ii) distributions to or from the CBC Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">issue, sell, pledge, dispose of or encumber any securities issued by CBC or any of the CBC
Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except in the ordinary course of business consistent with past practice, as required by applicable
Law or the express terms of any CBC Benefit Plan or Contract in effect as of the date of this Plan of Merger, (a) increase the
compensation (including bonus opportunities) payable or that could become payable by CBC or any of the CBC Subsidiaries to directors
or executive officers or to any substantial class of employees; (b) enter into any new or amend in any material respect any existing
employment, consulting, severance, termination, retention or change in control agreement with any of its past or present executive
officers, directors, or any substantial class of employees, (c) establish, adopt, enter into, amend, terminate, or take any action
to accelerate rights under any CBC Benefit Plan other than as otherwise provided by such CBC Benefit Plan; (d) promote any executive
officer or promote any non-executive officer employee to an executive officer position; (e) grant any severance or termination
pay unless provided under any CBC Benefit Plan; (f) grant any compensatory awards that are payable in, relate to, or determined
by reference to the value of, CBC Common Stock; (g) enter into any new or amend any Collective Bargaining Agreement; or (h) fund
or in any other way secure any payment of compensation or benefit under any CBC Benefit Plan other than as otherwise provided
by such CBC Benefit Plan;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">hire or terminate employment of any executive officer except for termination for cause and
hires to replace;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">appoint or elect any director of CBC or any CBC Subsidiary, except for (a)&nbsp;removal for
cause and appointments or elections to replace, and (b)&nbsp;the election of any director of CBC as of the date of this Plan of
Merger at any annual meeting of CBC Shareholders;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">acquire, by merger, consolidation, acquisition of stock or assets, or otherwise, any business
or division of a business or, except for transactions with or among wholly-owned Subsidiaries, make any capital contributions
to any Person, other than (a) cash-only acquisitions and asset purchase transactions, in each case not to exceed $500,000; (b)
transactions incident to foreclosures in connection with debts previously contracted in good faith; or (c) acquisitions of personal
property in the ordinary course of business generally consistent with past practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except in the ordinary course of business consistent with past practice: (a) transfer, license,
sell, lease or otherwise dispose of any material assets, including the capital stock or other equity interests in any CBC Subsidiary,
however the foregoing will not apply to dealings with financial assets or investment securities nor prohibit CBC and the CBC Subsidiaries
from transferring, licensing, selling, leasing or disposing of obsolete or unused equipment, fixtures or assets, in each case
in the ordinary course of business consistent with past practice; or (b) adopt or effect a plan of complete or partial liquidation,
dissolution, restructuring, recapitalization or other corporate reorganization;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except in the ordinary course of business consistent with past practice, repurchase, prepay
or incur any indebtedness for borrowed money or guarantee any such indebtedness of another Person, issue or sell any debt securities
or options, warrants, calls or other rights to acquire any debt securities of CBC or any of the CBC Subsidiaries, guarantee any
debt securities of another Person, or enter into any &quot;keep well&quot; or other Contract to maintain any financial statement
condition of any other Person (other than any wholly-owned CBC Subsidiary);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any application for the opening, relocation, or closing of any branch office, loan production
office or other material office or facility, or open any such material office or facility;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into or amend or modify in any material respect, or consent to the termination of (other
than at its stated expiry date), any CBC Material Contract, other than in the ordinary course of business consistent with past
practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">institute, settle or compromise any Actions pending or threatened before any arbitrator,
court or other Governmental Entity (a) involving the payment of monetary damages by CBC or any CBC Subsidiary of any amount exceeding
$250,000 or (b)&nbsp;involving an admission of any Liability in an amount exceeding $250,000 or injunctive or similar relief or
(c) having a material impact on CBC's business;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any material change in any method of financial accounting principles or practices, in
each case except for any such change required or to be required by a change in GAAP or applicable Law;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a) settle or compromise any Tax claims, audits or assessments in excess of the amount reserved
for such claims, audits or assessments as set forth on the books and records of CBC, (b) make, revoke or change any material Tax
election, change any annual Tax accounting period, adopt, revoke or change any method of Tax accounting or (c) enter into any
closing agreement, surrender in writing any right to claim a Tax refund, offset or other reduction in Tax liability or consent
to any extension or waiver of the limitation period applicable to any material Tax claim or assessment relating to CBC or the
CBC Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into any joint venture, strategic partnership or alliance;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">abandon, encumber, convey title (in whole or in part), exclusively license or grant any right
or other licenses to material CBC-Owned Intellectual Property, other than in the ordinary course of business consistent with past
practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.17</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except pursuant to the Merger, acquire or cause its Affiliates to acquire, directly or indirectly,
any shares of ChoiceOne capital stock;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.18</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into any material new line of business or change in any material respect its underwriting,
lending, investment, risk and asset liability management, interest rate or fee pricing with respect to depository accounts, hedging
and other material banking or operating policies or practices, except in the ordinary course of business consistent with past
practice or as required by Law or any regulatory agency having jurisdiction over CBC or any of the CBC Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.19</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except as required by Law or any regulatory agency having jurisdiction over CBC or any of
the CBC Subsidiaries, make any material changes in its policies and practices with respect to underwriting, pricing, originating,
acquiring, selling, servicing, or buying or selling rights to service loans;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.20</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any loan in material violation of, or otherwise fail to comply in all material respects
with, the underwriting and credit policies of CBC and its Subsidiaries as such policies are in effect as of the date of this Plan
of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.21</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">restructure or materially change its investment securities portfolio through purchases, sales
or otherwise, or its policies with respect to the classification of such portfolios;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.22</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">purchase, commit to purchase or otherwise acquire any derivative or synthetic mortgage product
or enter into any interest rate swap transaction, other than the purchase and sale of collateralized mortgage obligations and
interest rate swap transactions in the ordinary course of business and consistent with past practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.23</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action that would prevent the Merger from qualifying for the Intended Tax Treatment
or unreasonably delay the effectiveness of the Registration Statement;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.24</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to comply in all material respects with applicable Law, and internal policies and procedures
formally adopted by its board of directors applicable to the conduct of its business, except to the extent that the application
of any Law is being contested in good faith and ChoiceOne has been notified of such contest;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.25</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to maintain its books, accounts, and records in the usual and regular manner, and in
material compliance with applicable Law, governmental policy issuances, GAAP and accounting standards, and internal policies and
procedures formally adopted by its board of directors;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.26</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to use Commercially Reasonable Efforts to maintain its property and assets in their
present state of repair, order, and condition, reasonable wear and tear and damage by fire or other casualty covered by insurance
excepted;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.27</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to use Commercially Reasonable Efforts to maintain and keep in full force and effect
its and their existing insurance coverage (or substantially similar replacement coverage) in such amounts, against such risks
and losses, and with such self-insurance requirements as are presently in force;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.28</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to charge off loans and maintain its allowance for loan and lease losses, in each case
in a manner in conformity with the prior respective practices of CBC and the CBC Subsidiaries and GAAP standards and the ALLL
Policy Statement;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.29</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to promptly notify ChoiceOne of the threat or commencement of any material Action against,
relating to, or affecting: (a)&nbsp;CBC or any CBC Subsidiary; (b)&nbsp;CBC's or any CBC</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">Subsidiary's directors or officers or,
to the extent Known, employees in their capacities as such; (c)&nbsp;CBC's or any CBC Subsidiary's assets, liabilities, businesses,
or operations; or (d)&nbsp;the Merger or this Plan of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.30</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any loan or make any loan commitment, renewal, or extension to any director, officer
or principal shareholder of CBC or any CBC Subsidiary or any Affiliate of any such Person, which would, when aggregated with all
outstanding loans, commitments, renewals, or extensions made by CBC and the CBC Subsidiaries to the Person and the Person's &quot;immediate
family&quot; (as defined in Regulation O) and Affiliates, exceed $750,000; <I>provided, however, </I>that this restriction will
not apply to any renewals or advances on existing lines of credit or the renegotiation or restructuring of any problem or delinquent
loan or to the making of any residential mortgage loan in the ordinary course of business consistent with past practice and on
terms available to CBC's or its Subsidiaries customers generally;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.31</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to discharge or satisfy any mortgage, Lien, charge, or encumbrance other
than as a result of the payment of Liabilities in accordance with their terms, or except in the ordinary course of business consistent
with past practice, if the cost to CBC or any CBC Subsidiary to discharge or satisfy any mortgage, lien, charge, or encumbrance
is in excess of $100,000, unless the discharge or satisfaction is covered by general or specific reserves.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.32</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to pay any Liability, absolute or contingent, in excess of $250,000, except
Liabilities shown on CBC's Financial Statements, except in the ordinary course of business consistent with past practice, or except
in connection with the transactions contemplated by this Plan of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.33</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into or amend any Contract or other transaction with any CBC-Related Person, except
as contemplated or permitted by this Plan of Merger and except for banking transactions in the ordinary course of business consistent
with past practice and on terms available to CBC's customers generally; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.34</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT> <FONT STYLE="font-size: 10pt">make or renew any charitable contributions, gifts, commitments, or pledges of cash or other
assets except for contributions to any individual entity that are made in the ordinary course of business consistent with past
practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.35</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 10pt">take
any action to enter into, or commit to enter into, any agreement for trust, consulting, professional, or other services to CBC
or any CBC Subsidiary that is not terminable by CBC without penalty upon 90 days' or less notice, except for contracts for services
under which the aggregate required payments do not exceed $250,000, and except for legal, accounting and other ordinary expenses
(not including expenses of financial advisors) related to this Plan of Merger; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.36</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to enter into, or commit to enter into, any joint venture, strategic alliance,
or material relationship with any person to jointly develop, market, or offer any product or service; or disclose any customer
names, addresses, telephone numbers, lists, or any other nonpublic information concerning customers or other consumers to any
person not employed by CBC or any CBC Subsidiary in connection with their employment other than marketing firms and other vendors
in the ordinary course of business and in compliance with the Federal Reserve Board's Regulation P; or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.1.37</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">agree or commit to do any of the foregoing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">For the purposes
of this <I>Section 5.1</I>, prior written consent of ChoiceOne will be deemed to have been given with respect to any matter for
which CBC has requested consent, in writing and notice of which has been delivered to the chief executive officer or chief operating
officer of ChoiceOne and in accordance with <I>Section&nbsp;9.8</I> (including by providing copies to all required parties), but
ChoiceOne has not responded in writing within three Business Days of such request.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Conduct of Business by ChoiceOne</I>. </FONT>ChoiceOne will, and will cause each of the
ChoiceOne Subsidiaries to, during the period from the date of this Plan of Merger and ending at the earlier of the Effective Time
and the termination of this Plan of Merger in accordance with <I>Article VII</I>, except as expressly contemplated by this Plan
of Merger or as required by applicable Law or with the prior written consent of CBC (which consent will not be unreasonably withheld,
conditioned or delayed), conduct its business in the ordinary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">course of business generally consistent with past practice, and,
to the extent consistent therewith, ChoiceOne will, and will cause each of the ChoiceOne Subsidiaries to, use its Commercially
Reasonable Efforts to preserve substantially intact its and the ChoiceOne Subsidiaries' business organization, to keep available
the services of its and the ChoiceOne Subsidiaries' current officers and employees, and to preserve its and the ChoiceOne Subsidiaries'
present relationships with customers, suppliers, vendors, licensors, and other Persons having business relationships with it.
Without limiting the generality of the foregoing, between the date of this Plan of Merger and ending at the earlier of the Effective
Time and the termination of this Plan of Merger in accordance with <I>Article VII</I>, except as otherwise provided or expressly
contemplated by this Plan of Merger or as set forth on the ChoiceOne Disclosure Letter or as required by applicable Law, ChoiceOne
will not, nor will it permit any of the ChoiceOne Subsidiaries to, without the prior written consent of CBC (which consent will
not be unreasonably withheld, conditioned or delayed):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">amend its articles of incorporation or bylaws (or other comparable organizational documents),
except for such amendment(s) contemplated by <I>Section 5.7.2</I>;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a) split, combine or reclassify any securities issued by ChoiceOne or any of the ChoiceOne
Subsidiaries, (b) repurchase, redeem or otherwise acquire, or offer to repurchase, redeem or otherwise acquire, any securities
issued by ChoiceOne or any of the ChoiceOne Subsidiaries, except for the acceptance of shares of ChoiceOne Common Stock delivered
in satisfaction of the exercise price or tax withholding obligations by holders of awards under ChoiceOne Stock Plans that are
outstanding as of the date of this Plan of Merger who exercise such awards, and shares of ChoiceOne Common Stock submitted for
cancellation to satisfy tax withholding obligations that occur upon the vesting of ChoiceOne Restricted Stock that are outstanding
as of the date of this Plan of Merger, or (c)&nbsp; declare, set aside or pay any dividend or distribution (whether in cash, stock,
property or otherwise) in respect of, or enter into any Contract with respect to the voting of, any shares of its capital stock,
except (i) subject to <I>Section 5.16</I>, payment of quarterly cash dividends by ChoiceOne in an amount not to exceed $0.20 per
share of ChoiceOne Common Stock per quarter and in a manner consistent with past practice with respect to the timing of the declaration,
payment and record date of such dividend, (ii) payment of the contemplated Pre-Merger Special Dividend and (iii) distributions
to or from the ChoiceOne Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">issue, sell, pledge, dispose of or encumber any securities issued by ChoiceOne or any of
the ChoiceOne Subsidiaries, other than the issuance of shares of ChoiceOne Common Stock upon the exercise or vesting of any award
granted pursuant to a ChoiceOne Stock Plan prior to the date of this Plan of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except in the ordinary course of business consistent with past practice, as required by applicable
Law or the express terms of any ChoiceOne Benefit Plan or Contract in effect as of the date of this Plan of Merger, (a)&nbsp;increase
the compensation (including bonus opportunities) payable or that could become payable by ChoiceOne or any of the ChoiceOne Subsidiaries
to directors or executive officers or to any substantial class of employees; (b) enter into any new or amend in any material respect
any existing employment, consulting, severance, termination, retention or change in control agreement with any of its past or
present executive officers, directors, or any substantial class of employees, (c) establish, adopt, enter into, amend, terminate,
or take any action to accelerate rights under any ChoiceOne Benefit Plan other than as otherwise provided by such ChoiceOne Benefit
Plan; (d) promote any executive officer or promote any non-executive officer employee to an executive officer position; (e) grant
any severance or termination pay unless provided under any ChoiceOne Benefit Plan; (f) grant any compensatory awards that are
payable in, relate to, or determined by reference to the value of, ChoiceOne Common Stock; (g) enter into any new or amend any
Collective Bargaining Agreement; or (h) fund or in any other way secure any payment of compensation or benefit under any ChoiceOne
Benefit Plan other than as otherwise provided by such ChoiceOne Benefit Plan;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">hire or terminate employment of any executive officer except for termination for cause and
hires to replace;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">appoint or elect any director of ChoiceOne or any ChoiceOne Subsidiary, except for (a)&nbsp;removal
for cause and appointments or elections to replace, and (b)&nbsp;the election of any director of ChoiceOne as of the date of this
Plan of Merger at any annual meeting of ChoiceOne Shareholders; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">acquire, by merger, consolidation, acquisition of stock or assets, or otherwise, any business
or division of a business or, except for transactions with or among wholly-owned Subsidiaries, make any capital contributions
to any Person, other than (a) cash-only acquisitions and asset purchase transactions, in each case not to exceed $500,000; (b)
transactions incident to foreclosures in connection with debts previously contracted in good faith; or (c) acquisitions of personal
property in the ordinary course of business generally consistent with past practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except in the ordinary course of business consistent with past practice: (a) transfer, license,
sell, lease or otherwise dispose of any material assets, including the capital stock or other equity interests in any ChoiceOne
Subsidiary, however the foregoing will not apply to dealings with financial assets or investment securities nor prohibit ChoiceOne
and the ChoiceOne Subsidiaries from transferring, licensing, selling, leasing or disposing of obsolete or unused equipment, fixtures
or assets, in each case in the ordinary course of business consistent with past practice; or (b) adopt or effect a plan of complete
or partial liquidation, dissolution, restructuring, recapitalization or other corporate reorganization;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except in the ordinary course of business consistent with past practice, repurchase, prepay
or incur any indebtedness for borrowed money or guarantee any such indebtedness of another Person, issue or sell any debt securities
or options, warrants, calls or other rights to acquire any debt securities of ChoiceOne or any of the ChoiceOne Subsidiaries,
guarantee any debt securities of another Person, or enter into any &quot;keep well&quot; or other Contract to maintain any financial
statement condition of any other Person (other than any wholly-owned ChoiceOne Subsidiary);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any application for the opening, relocation, or closing of any branch office, loan production
office or other material office or facility, or open any such material office or facility;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into or amend or modify in any material respect, or consent to the termination of (other
than at its stated expiry date), any ChoiceOne Material Contract, other than in the ordinary course of business consistent with
past practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">institute, settle or compromise any Actions pending or threatened before any arbitrator,
court or other Governmental Entity (a) involving the payment of monetary damages by ChoiceOne or any ChoiceOne Subsidiary of any
amount exceeding $250,000 or (b)&nbsp;involving an admission of any Liability in an amount exceeding $250,000 or injunctive or
similar relief or (c) having a material impact on ChoiceOne's business;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.13</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any material change in any method of financial accounting principles or practices, in
each case except for any such change required or to be required by a change in GAAP or applicable Law;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.14</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a) settle or compromise any Tax claims, audits or assessments in excess of the amount reserved
for such claims, audits or assessments as set forth on the books and records of ChoiceOne, (b) make, revoke or change any material
Tax election, change any annual Tax accounting period, adopt, revoke or change any method of Tax accounting or (c) enter into
any closing agreement, surrender in writing any right to claim a Tax refund, offset or other reduction in Tax liability or consent
to any extension or waiver of the limitation period applicable to any material Tax claim or assessment relating to ChoiceOne or
the ChoiceOne Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.15</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into any joint venture, strategic partnership or alliance;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.16</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">abandon, encumber, convey title (in whole or in part), exclusively license or grant any right
or other licenses to material ChoiceOne-Owned Intellectual Property, other than in the ordinary course of business consistent
with past practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.17</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">acquire or cause its Affiliates to acquire, directly or indirectly, any shares of CBC capital
stock;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.18</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into any material new line of business or change in any material respect its underwriting,
lending, investment, risk and asset liability management, interest rate or fee pricing with respect to</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">depository accounts, hedging
and other material banking or operating policies or practices, except in the ordinary course of business consistent with past
practice or as required by Law or any regulatory agency having jurisdiction over ChoiceOne or any of the ChoiceOne Subsidiaries;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.19</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">except as required by Law or any regulatory agency having jurisdiction over ChoiceOne or
any of the ChoiceOne Subsidiaries, make any material changes in its policies and practices with respect to underwriting, pricing,
originating, acquiring, selling, servicing, or buying or selling rights to service loans;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.20</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any loan in material violation of, or otherwise fail to comply in all material respects
with, the underwriting and credit policies of ChoiceOne and its Subsidiaries as such policies are in effect as of the date of
this Plan of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.21</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">restructure or materially change its investment securities portfolio through purchases, sales
or otherwise, or its policies with respect to the classification of such portfolios;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.22</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">purchase, commit to purchase or otherwise acquire any derivative or synthetic mortgage product
or enter into any interest rate swap transaction, other than the purchase and sale of collateralized mortgage obligations and
interest rate swap transactions in the ordinary course of business and consistent with past practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.23</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action that would prevent the Merger from qualifying for the Intended Tax Treatment
or unreasonably delay the effectiveness of the Registration Statement;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.24</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to comply in all material respects with applicable Law and internal policies and procedures
formally adopted by its board of directors applicable to the conduct of its business, except to the extent that the application
of any Law is being contested in good faith and CBC has been notified of such contest;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.25</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to maintain its books, accounts, and records in the usual and regular manner, and in
material compliance with applicable Law, governmental policy issuances, GAAP and accounting standards, and internal policies and
procedures formally adopted by its board of directors;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.26</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to use Commercially Reasonable Efforts to maintain its property and assets in their
present state of repair, order, and condition, reasonable wear and tear and damage by fire or other casualty covered by insurance
excepted;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.27</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to use Commercially Reasonable Efforts to maintain and keep in full force and effect
its and their existing insurance coverage (or substantially similar replacement coverage) in such amounts, against such risks
and losses, and with such self-insurance requirements as are presently in force;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.28</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to charge off loans and maintain its allowance for loan and lease losses, in each case
in a manner in conformity with the prior respective practices of ChoiceOne and the ChoiceOne Subsidiaries and GAAP standards and
the ALLL Policy Statement;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.29</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">fail to promptly notify CBC of the threat or commencement of any material Action against,
relating to, or affecting: (a)&nbsp;ChoiceOne or any ChoiceOne Subsidiary; (b)&nbsp;ChoiceOne's or any ChoiceOne Subsidiary's
directors or officers or, to the extent Known, employees in their capacities as such; (c)&nbsp;ChoiceOne's or any ChoiceOne Subsidiary's
assets, liabilities, businesses, or operations; or (d)&nbsp;the Merger or this Plan of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.30</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make any loan or make any loan commitment, renewal, or extension to any director, officer
or principal shareholder of ChoiceOne or any ChoiceOne Subsidiary or any Affiliate of any such Person, which would, when aggregated
with all outstanding loans, commitments, renewals, or extensions made by ChoiceOne and the ChoiceOne Subsidiaries to the Person
and the Person's &quot;immediate family&quot; (as defined in Regulation O) and Affiliates, exceed $750,000; <I>provided, however</I>,
that this restriction will not apply to any renewals or advances on existing lines of credit or the renegotiation or restructuring
of any problem or delinquent</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">loan or to the making of any residential mortgage loan in the ordinary course of business consistent
with past practice and on terms available to ChoiceOne's or its Subsidiaries customers generally;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.31</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to discharge or satisfy any mortgage, Lien, charge, or encumbrance other
than as a result of the payment of Liabilities in accordance with their terms, or except in the ordinary course of business consistent
with past practice, if the cost to ChoiceOne or any ChoiceOne Subsidiary to discharge or satisfy any mortgage, lien, charge, or
encumbrance is in excess of $100,000, unless the discharge or satisfaction is covered by general or specific reserves.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.32</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to pay any Liability, absolute or contingent, in excess of $250,000, except
Liabilities shown on ChoiceOne's Financial Statements, except in the ordinary course of business consistent with past practice,
or except in connection with the transactions contemplated by this Plan of Merger;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.33</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">enter into or amend any Contract or other transaction with any ChoiceOne-Related Person,
except as contemplated or permitted by this Plan of Merger and except for banking transactions in the ordinary course of business
consistent with past practice and on terms available to ChoiceOne's customers generally; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.34</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">make or renew any charitable contributions, gifts, commitments, or pledges of cash or other
assets except for contributions to any individual entity that are made in the ordinary course of business consistent with past
practice;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.35</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to enter into, or commit to enter into, any agreement for trust, consulting,
professional, or other services to ChoiceOne or any ChoiceOne Subsidiary that is not terminable by ChoiceOne without penalty upon
90 days' or less notice, except for contracts for services under which the aggregate required payments do not exceed $250,000,
and except for legal, accounting and other ordinary expenses (not including expenses of financial advisors) related to this Plan
of Merger; </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.36</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">take any action to enter into, or commit to enter into, any joint venture, strategic alliance,
or material relationship with any person to jointly develop, market, or offer any product or service; or disclose any customer
names, addresses, telephone numbers, lists, or any other nonpublic information concerning customers or other consumers to any
person not employed by ChoiceOne or any ChoiceOne Subsidiary in connection with their employment other than marketing firms and
other vendors in the ordinary course of business and in compliance with the Federal Reserve Board's Regulation P; or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.2.37</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">agree or commit to do any of the foregoing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">For the purposes
of this <I>Section 5.2</I>, prior written consent of CBC will be deemed to have been given with respect to any matter for which
ChoiceOne has requested consent, in writing and notice of which has been delivered to the chief executive officer or chief operating
officer of CBC and in accordance with <I>Section&nbsp;9.8</I> (including by providing copies to all required parties), but CBC
has not responded in writing within three Business Days of such request.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No Solicitation by CBC.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as specifically permitted by this <I>Section&nbsp;5.3</I>, CBC will not and will cause
each of its Subsidiaries and Representatives not to, during the period from the date of this Plan of Merger until the earlier
of the Effective Time and the termination of this Plan of Merger in accordance with <I>Section 7.1</I>, directly or indirectly,
(a)&nbsp;solicit, initiate, encourage (including by way of furnishing non-public information) or knowingly facilitate any inquiries
regarding, or the making of any proposal or offer that constitutes, or could reasonably be expected to lead to, a CBC Takeover
Proposal, or (b)&nbsp;engage or enter into, continue or otherwise participate in any discussions or negotiations regarding, or
furnish to any other Person non-public information in connection with any CBC Takeover Proposal, or otherwise cooperate with or
assist or participate in, or encourage or knowingly facilitate any such inquiries, proposals, discussions or negotiations or any
effort or attempt to make a CBC Takeover Proposal. CBC will, and will cause each of the CBC Subsidiaries and each of its and the
CBC Subsidiaries' Representatives to (i)&nbsp;immediately upon execution of this Plan of Merger, cease any solicitation, encouragement,</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">discussions or negotiations with any Person that may be ongoing with respect to a CBC Takeover Proposal as of the date of this
Plan of Merger, (ii)&nbsp;request promptly thereafter that such Person promptly return or destroy all confidential information
concerning CBC and the CBC Subsidiaries delivered or made available to such Person or its Representatives by CBC, the CBC Subsidiaries
or any Representatives thereof, in connection with its consideration of a CBC Takeover Proposal and any summaries, analyses or
extracts thereof or based thereon, and any files, copies or records containing such information in any computer or electronic
media, and (iii)&nbsp;immediately upon execution of this Plan of Merger terminate all physical and electronic data room access
previously granted to any such Person or its Representatives.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary contained herein, if at any time prior to obtaining
the CBC Shareholder Approval, CBC or any of its Representatives receives a bona fide written CBC Takeover Proposal from any Person
or group of Persons, which CBC Takeover Proposal did not result from any breach of <I>Section&nbsp;5.3.1</I>, then CBC and its
Representatives may, if the CBC Board of Directors determines in good faith, after consultation with its independent financial
advisors and outside legal counsel, that such CBC Takeover Proposal constitutes or is reasonably likely to lead to a CBC Superior
Proposal (a)&nbsp;furnish, pursuant to an Acceptable CBC Confidentiality Agreement, information (including non-public information)
with respect to CBC and its Subsidiaries to the Person or group of Persons who has made such CBC Takeover Proposal and their respective
Representatives; <I>provided</I> that CBC will (subject to the terms of the Confidentiality Agreement) promptly make available
to ChoiceOne (through an electronic data room or otherwise), and concurrently provide express written notification, via electronic
mail notification to ChoiceOne in accordance with the applicable provisions of <I>Section 9.8</I>, of the availability of, any
written material non-public information that is provided to any such Person or group of Persons or their respective Representatives,
if such information was not previously provided to ChoiceOne or its Representatives, and (b)&nbsp;engage in or otherwise participate
in discussions or negotiations with the Person or group of Persons making such CBC Takeover Proposal and their respective Representatives;
<I>provided</I>, <I>further</I> that CBC will promptly provide to ChoiceOne (i)&nbsp;a copy of any CBC Takeover Proposal made
in writing by any such Person or group of Persons to CBC, any of its Subsidiaries, or any of their respective Representatives,
and the identity of the Person making the CBC Takeover Proposal, and (ii)&nbsp;a written summary of the material terms of any
such CBC Takeover Proposal not made in writing. For the purposes of this Plan of Merger, &quot;<B><I>Acceptable CBC Confidentiality
Agreement</I></B>&quot; means any confidentiality agreement that contains provisions with respect to confidentiality matters that
are no less favorable in any material respect to CBC than those contained in the Confidentiality Agreement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will keep ChoiceOne informed of any material developments, discussions or negotiations
regarding any CBC Takeover Proposal, including any such proposal first made or discussed with CBC prior to the date of this Plan
of Merger (including forwarding to ChoiceOne any written materials provided to CBC or its Representatives in connection with any
such CBC Takeover Proposal) on a current basis, and will notify ChoiceOne of the status of such CBC Takeover Proposal. CBC agrees
that it and its Subsidiaries will not enter into any confidentiality or other agreements with any Person subsequent to the date
of this Plan of Merger which prohibits CBC from providing any information to ChoiceOne in accordance with this <I>Section&nbsp;5.3</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as permitted by <I>Section 5.3.5</I>, the CBC Board of Directors will not (a)&nbsp;(i)&nbsp;fail
to recommend to the CBC Shareholders that the CBC Shareholder Approval be given or fail to include the CBC Board Recommendation
in the Joint Proxy Statement, (ii)&nbsp;change, qualify, withhold, withdraw or modify, or publicly propose to change, qualify,
withhold, withdraw or modify, in a manner adverse to ChoiceOne, the CBC Board Recommendation, (iii)&nbsp;take any formal action
or make any recommendation or public statement in connection with a tender offer or exchange offer other than a recommendation
of rejection of such offer or a temporary &quot;stop, look and listen&quot; communication by the CBC Board of Directors consistent
with Rule 14d-9(f) of the Exchange Act (as if such provisions are applicable to CBC), or (iv)&nbsp;adopt, approve or recommend,
or publicly propose to approve or recommend to the CBC Shareholders, a CBC Takeover Proposal (actions described in this clause
(a) being referred to as a &quot;<B><I>CBC Adverse Recommendation Change</I></B>&quot;) or (b) cause or permit CBC or any of the
CBC Subsidiaries to enter into any letter of intent, agreement or agreement in principle with respect to any CBC Takeover Proposal
(other than an Acceptable CBC Confidentiality Agreement) (each, a &quot;<B><I>CBC Acquisition Agreement</I></B>&quot;).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary herein, prior to the time the CBC Shareholder Approval
is obtained, the CBC Board of Directors may, in connection with a bona fide written CBC Takeover Proposal, which CBC Takeover
Proposal was made after the date of this Plan of Merger (or that was made</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">prior to the date of this Plan of Merger and remade
after the date of this Plan of Merger) and that did not result from any breach of <I>Section&nbsp;5.3.1</I>, make a CBC Adverse
Recommendation Change or terminate this Plan of Merger pursuant to <I>Section 7.1.9</I> to enter into a definitive merger agreement
or other definitive purchase or acquisition agreement with respect to such CBC Takeover Proposal, if and only if, prior to taking
such action, CBC has complied with its obligations under this <I>Section 5.3</I> and the CBC Board of Directors has determined
in good faith, after consultation with its independent financial advisors and outside legal counsel,&nbsp;that such CBC Takeover
Proposal constitutes a CBC Superior Proposal; <I>provided</I>, <I>however</I>, that prior to taking any such action (a)&nbsp;CBC
has given ChoiceOne at least five Business Days prior written notice of its intention to take such action (which notice will specify
the material terms and conditions of any such CBC Superior Proposal, including the identity of the party making such CBC Superior
Proposal) and such notice includes a copy of any proposed written transaction agreements and related documents with or from the
Person or group of Persons making such CBC Superior Proposal, (b)&nbsp;CBC has negotiated, and has caused its Representatives
to negotiate, in good faith with ChoiceOne during such five Business Day period to the extent ChoiceOne wishes to negotiate, to
revise the terms of this Plan of Merger such that it would cause such CBC Superior Proposal to no longer constitute a CBC Superior
Proposal and (c)&nbsp;following the end of such five Business Day period, the CBC Board of Directors will have considered in good
faith any changes to this Plan of Merger proposed in writing by ChoiceOne, and will have determined that the CBC Superior Proposal
would continue to constitute a CBC Superior Proposal if such revisions were to be given effect. In the event of any material revisions
to a CBC Takeover Proposal during any such five Business Day period that could have an impact, influence or other effect on the
CBC Board of Directors' decision or discussion with respect to whether such proposal is a CBC Superior Proposal, CBC will deliver
a new written notice to ChoiceOne pursuant to the foregoing clause&nbsp;(a) and again comply with the requirements of this <I>Section&nbsp;5.3.5
</I>with respect to such new written notice; <I>provided</I>, <I>however</I>, that references herein to the five Business Day
period will be deemed to be references to a three Business Day period with respect thereto.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Provided that CBC and the CBC Board of Directors comply with their applicable obligations
under <I>Section 5.3.5</I>, nothing in this <I>Section 5.3</I> will prohibit the CBC Board of Directors from (a)&nbsp;taking and
disclosing to the CBC Shareholders a position contemplated by Rule 14e-2(a), Rule 14d-9 or Item 1012(a) of Regulation M-A promulgated
under the Exchange Act (as if such provisions are applicable to CBC), (b)&nbsp;making any &quot;stop-look-and-listen&quot; communications
to CBC Shareholders consistent with Section 14d-9(f) promulgated under the Exchange Act (or any similar communications to the
CBC Shareholders) (as if such provisions are applicable to CBC), or (c) making any disclosure to the CBC Shareholders if the CBC
Board of Directors determines in good faith, after consultation with legal counsel, that failure to take such action would be
reasonably likely to be inconsistent with the CBC Board of Directors' fiduciary duties under applicable Law; <I>provided</I>,
<I>however</I>, that the taking of any action pursuant to either of the preceding clauses (a) or (b) will in no way limit or modify
the effect of this Plan of Merger with respect to any such action taken.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">As used in this Plan of Merger, &quot;<B><I>CBC Takeover Proposal</I></B>&quot; will mean
any inquiry, proposal or offer from any Person (other than ChoiceOne and its Subsidiaries) or &quot;group&quot;, within the meaning
of Section&nbsp;13(d) of the Exchange Act, relating to, in a single transaction or series of related transactions, any (a)&nbsp;acquisition
of assets of CBC and its Subsidiaries equal to more than 25% of CBC's consolidated assets or to which more than 25% of CBC's net
income on a consolidated basis are attributable, (b)&nbsp;acquisition of more than 25% of the outstanding CBC Common Stock or
the capital stock of any Subsidiary of CBC, (c)&nbsp;tender offer or exchange offer that if consummated would result in any Person
beneficially owning more than 25% of the outstanding CBC Common Stock, (d)&nbsp;merger, consolidation, share exchange, business
combination, recapitalization, liquidation, dissolution or similar transaction involving CBC or any of its Subsidiaries, or (e)&nbsp;any
combination of the foregoing types of transactions if the sum of the percentage of consolidated assets, consolidated net income
and CBC Common Stock involved is more than 25%; in each case, other than the Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.3.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">As used in this Plan of Merger, &quot;<B><I>CBC Superior Proposal</I></B>&quot; will mean
any bona fide written CBC Takeover Proposal that the CBC Board of Directors has determined in its good faith judgment, after consultation
with its independent financial advisors and outside legal counsel, is reasonably likely to be consummated in accordance with its
terms and that is reasonably likely to result in the consummation of a transaction more favorable to the CBC Shareholders from
a financial point of view than the Merger, taking into account (a)&nbsp;all legal, regulatory and financial aspects of the proposal
(including availability of financing and certainty of closing) and the Person or group of Persons making the proposal; and (b)&nbsp;any
changes to the terms of this Plan of Merger proposed in writing by ChoiceOne in response to such proposal as contemplated by this
<I>Section</I></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt"><I>5.3.8</I>. For purposes of the definition of &quot;CBC Superior Proposal&quot;, the references to &quot;25%&quot; in
the definition of CBC Takeover Proposal will be deemed to be references to &quot;50%.&quot;</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.4</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No Solicitation by ChoiceOne.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as specifically permitted by this <I>Section&nbsp;5.4</I>, ChoiceOne will not and
will cause each of its Subsidiaries and Representatives not to, during the period from the date of this Plan of Merger until the
earlier of the Effective Time and the termination of this Plan of Merger in accordance with <I>Section 7.1</I>, directly or indirectly,
(a)&nbsp;solicit, initiate, encourage (including by way of furnishing non-public information) or knowingly facilitate any inquiries
regarding, or the making of any proposal or offer that constitutes, or could reasonably be expected to lead to, a ChoiceOne Takeover
Proposal, or (b)&nbsp;engage or enter into, continue or otherwise participate in any discussions or negotiations regarding, or
furnish to any other Person non-public information in connection with any ChoiceOne Takeover Proposal, or otherwise cooperate
with or assist or participate in, or encourage or knowingly facilitate any such inquiries, proposals, discussions or negotiations
or any effort or attempt to make a ChoiceOne Takeover Proposal. ChoiceOne will, and will cause each of the ChoiceOne Subsidiaries
and each of its and the ChoiceOne Subsidiaries' Representatives to (i)&nbsp;immediately upon execution of this Plan of Merger,
cease any solicitation, encouragement, discussions or negotiations with any Person that may be ongoing with respect to a ChoiceOne
Takeover Proposal as of the date of this Plan of Merger, (ii)&nbsp;request promptly thereafter that such Person promptly return
or destroy all confidential information concerning ChoiceOne and the ChoiceOne Subsidiaries delivered or made available to such
Person or its Representatives by ChoiceOne, the ChoiceOne Subsidiaries or any Representatives thereof, in connection with its
consideration of a ChoiceOne Takeover Proposal and any summaries, analyses or extracts thereof or based thereon, and any files,
copies or records containing such information in any computer or electronic media, and (iii)&nbsp;immediately upon execution of
this Plan of Merger terminate all physical and electronic data room access previously granted to any such Person or its Representatives.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary contained herein, if at any time prior to obtaining
the ChoiceOne Shareholder Approval, ChoiceOne or any of its Representatives receives a bona fide written ChoiceOne Takeover Proposal
from any Person or group of Persons, which ChoiceOne Takeover Proposal did not result from any breach of <I>Section&nbsp;5.4.1</I>,
then ChoiceOne and its Representatives may, if the ChoiceOne Board of Directors determines in good faith, after consultation with
its independent financial advisors and outside legal counsel, that such ChoiceOne Takeover Proposal constitutes or is reasonably
likely to lead to a ChoiceOne Superior Proposal (a)&nbsp;furnish, pursuant to an Acceptable ChoiceOne Confidentiality Agreement,
information (including non-public information) with respect to ChoiceOne and its Subsidiaries to the Person or group of Persons
who has made such ChoiceOne Takeover Proposal and their respective Representatives; <I>provided</I> that ChoiceOne will (subject
to the terms of the Confidentiality Agreement) promptly make available to CBC (through an electronic data room or otherwise),
and concurrently provide express written notification, via electronic mail notification to CBC in accordance with the applicable
provisions of <I>Section 9.8</I>, of the availability of, any written material non-public information that is provided to any
such Person or group of Persons or their respective Representatives, if such information was not previously provided to CBC or
its Representatives, and (b)&nbsp;engage in or otherwise participate in discussions or negotiations with the Person or group of
Persons making such ChoiceOne Takeover Proposal and their respective Representatives; <I>provided</I>, <I>further </I>that ChoiceOne
will promptly provide to CBC (i)&nbsp;a copy of any ChoiceOne Takeover Proposal made in writing by any such Person or group of
Persons to ChoiceOne, any of its Subsidiaries, or any of their respective Representatives, and the identity of the Person making
the ChoiceOne Takeover Proposal, and (ii)&nbsp;a written summary of the material terms of any such ChoiceOne Takeover Proposal
not made in writing. For the purposes of this Plan of Merger, &quot;<B><I>Acceptable ChoiceOne Confidentiality Agreement</I></B>&quot;
means any confidentiality agreement that contains provisions with respect to confidentiality matters that are no less favorable
in any material respect to ChoiceOne than those contained in the Confidentiality Agreement.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will keep CBC informed of any material developments, discussions or negotiations
regarding any ChoiceOne Takeover Proposal, including any such proposal first made or discussed with ChoiceOne prior to the date
of this Plan of Merger (including forwarding to CBC any written materials provided to ChoiceOne or its Representatives in connection
with any such ChoiceOne Takeover Proposal) on a current basis, and will notify CBC of the status of such ChoiceOne Takeover Proposal.
ChoiceOne agrees that it and its Subsidiaries will not enter into any confidentiality or other agreements with any Person subsequent
to the date of</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">this Plan of Merger which prohibits ChoiceOne from providing any information to CBC in accordance with this <I>Section&nbsp;5.4</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Except as permitted by <I>Section 5.4.5</I>, the ChoiceOne Board of Directors will not (a)&nbsp;(i)&nbsp;fail
to recommend to the ChoiceOne Shareholders that the ChoiceOne Shareholder Approval be given or fail to include the ChoiceOne Board
Recommendation in the Joint Proxy Statement, (ii)&nbsp;change, qualify, withhold, withdraw or modify, or publicly propose to change,
qualify, withhold, withdraw or modify, in a manner adverse to ChoiceOne, the ChoiceOne Board Recommendation, (iii)&nbsp;take any
formal action or make any recommendation or public statement in connection with a tender offer or exchange offer other than a
recommendation of rejection of such offer or a temporary &quot;stop, look and listen&quot; communication by the ChoiceOne Board
of Directors consistent with Rule 14d-9(f) of the Exchange Act (as if such provisions are applicable to ChoiceOne), or (iv)&nbsp;adopt,
approve or recommend, or publicly propose to approve or recommend to the ChoiceOne Shareholders, a ChoiceOne Takeover Proposal
(actions described in this clause (a)&nbsp;being referred to as a &quot;<B><I>ChoiceOne Adverse Recommendation Change</I></B>&quot;)
or (b)&nbsp;cause or permit ChoiceOne or any of the ChoiceOne Subsidiaries to enter into any letter of intent, agreement or agreement
in principle with respect to any ChoiceOne Takeover Proposal (other than an Acceptable ChoiceOne Confidentiality Agreement) (each,
a &quot;<B><I>ChoiceOne Acquisition Agreement</I></B>&quot;).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary herein, prior to the time the ChoiceOne Shareholder
Approval is obtained, the ChoiceOne Board of Directors may, in connection with a bona fide written ChoiceOne Takeover Proposal,
which ChoiceOne Takeover Proposal was made after the date of this Plan of Merger (or that was made prior to the date of this Plan
of Merger and remade after the date of this Plan of Merger) and that did not result from any breach of this <I>Section&nbsp;5.4.1</I>,
make a ChoiceOne Adverse Recommendation Change or terminate this Plan of Merger pursuant to <I>Section 7.1.10</I> to enter into
a definitive merger agreement or other definitive purchase or acquisition agreement with respect to such ChoiceOne Takeover Proposal,
if and only if, prior to taking such action, ChoiceOne has complied with its obligations under this <I>Section 5.4</I> and the
ChoiceOne Board of Directors has determined in good faith, after consultation with its independent financial advisors and outside
legal counsel,&nbsp;that such ChoiceOne Takeover Proposal constitutes a ChoiceOne Superior Proposal; <I>provided</I>, <I>however</I>,
that prior to taking any such action (a)&nbsp;ChoiceOne has given CBC at least five Business Days prior written notice of its
intention to take such action (which notice will specify the material terms and conditions of any such ChoiceOne Superior Proposal,
including the identity of the party making such ChoiceOne Superior Proposal) and such notice includes a copy of any proposed written
transaction agreements and related documents with or from the Person or group of Persons making such ChoiceOne Superior Proposal,
(b)&nbsp;ChoiceOne has negotiated, and has caused its Representatives to negotiate, in good faith with CBC during such five Business
Day period to the extent CBC wishes to negotiate, to revise the terms of this Plan of Merger such that it would cause such ChoiceOne
Superior Proposal to no longer constitute a ChoiceOne Superior Proposal and (c)&nbsp;following the end of such five Business Day
period, the ChoiceOne Board of Directors will have considered in good faith any changes to this Plan of Merger proposed in writing
by CBC, and will have determined that the ChoiceOne Superior Proposal would continue to constitute a ChoiceOne Superior Proposal
if such revisions were to be given effect. In the event of any material revisions to a ChoiceOne Takeover Proposal during any
such five Business Day period that could have an impact, influence or other effect on the ChoiceOne Board of Directors' decision
or discussion with respect to whether such proposal is a ChoiceOne Superior Proposal, ChoiceOne will deliver a new written notice
to CBC pursuant to the foregoing clause&nbsp;(a) and again comply with the requirements of this <I>Section&nbsp;5.4.5</I> with
respect to such new written notice; <I>provided</I>, <I>however</I>, that references herein to the five Business Day period will
be deemed to be references to a three Business Day period with respect thereto.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Provided that ChoiceOne and the ChoiceOne Board of Directors comply with their applicable
obligations under <I>Section 5.4.5</I>, nothing in this <I>Section 5.4</I> will prohibit the ChoiceOne Board of Directors from
(a)&nbsp;taking and disclosing to the ChoiceOne Shareholders a position contemplated by Rule 14e-2(a), Rule 14d-9 or Item 1012(a)
of Regulation M-A promulgated under the Exchange Act (as if such provisions are applicable to ChoiceOne), (b)&nbsp;making any
&quot;stop-look-and-listen&quot; communications to ChoiceOne Shareholders consistent with Section 14d-9(f) promulgated under the
Exchange Act (or any similar communications to the ChoiceOne Shareholders) (as if such provisions are applicable to ChoiceOne),
or (c) making any disclosure to the ChoiceOne Shareholders if the ChoiceOne Board of Directors determines in good faith, after
consultation with legal counsel, that failure to take such action would be reasonably likely to be inconsistent with the ChoiceOne
Board of Directors' fiduciary duties under applicable Law; <I>provided</I>, <I>however</I>, that the taking of any action pursuant
to either</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">of the preceding clauses (a) or (b) will in no way limit or modify the effect of this Plan of Merger with respect to
any such action taken.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">As used in this Plan of Merger, &quot;<B><I>ChoiceOne Takeover Proposal</I></B>&quot; will
mean any inquiry, proposal or offer from any Person (other than ChoiceOne and its Subsidiaries) or &quot;group&quot;, within the
meaning of Section&nbsp;13(d) of the Exchange Act, relating to, in a single transaction or series of related transactions, any
(a)&nbsp;acquisition of assets of ChoiceOne and its Subsidiaries equal to more than 25% of ChoiceOne's consolidated assets or
to which more than 25% of ChoiceOne's net income on a consolidated basis are attributable, (b)&nbsp;acquisition of more than 25%
of the outstanding ChoiceOne Common Stock or the capital stock of any Subsidiary of ChoiceOne, (c)&nbsp;tender offer or exchange
offer that if consummated would result in any Person beneficially owning more than 25% of the outstanding ChoiceOne Common Stock,
(d)&nbsp;merger, consolidation, share exchange, business combination, recapitalization, liquidation, dissolution or similar transaction
involving ChoiceOne or any of its Subsidiaries, or (e)&nbsp;any combination of the foregoing types of transactions if the sum
of the percentage of consolidated assets, consolidated net income and ChoiceOne Common Stock involved is more than 25%; in each
case, other than the Merger. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.4.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">As used in this Plan of Merger, &quot;<B><I>ChoiceOne Superior Proposal</I></B>&quot; will
mean any bona fide written ChoiceOne Takeover Proposal that the ChoiceOne Board of Directors has determined in its good faith
judgment, after consultation with its independent financial advisors and outside legal counsel, is reasonably likely to be consummated
in accordance with its terms and that is reasonably likely to result in the consummation of a transaction more favorable to the
ChoiceOne Shareholders from a financial point of view than the Merger, taking into account (a)&nbsp;all legal, regulatory and
financial aspects of the proposal (including availability of financing and certainty of closing) and the Person or group of Persons
making the proposal; and (b)&nbsp;any changes to the terms of this Plan of Merger proposed by CBC in response to such proposal
as contemplated by this <I>Section 5.4.8</I>. For purposes of the definition of &quot;ChoiceOne Superior Proposal&quot;, the references
to &quot;25%&quot; in the definition of ChoiceOne Takeover Proposal will be deemed to be references to &quot;50%.&quot;</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.5</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Preparation of the Joint Proxy Statement and Registration Statement; Shareholders' Meetings.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.5.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will use Commercially Reasonable Efforts to prepare and cause to be filed with the SEC a Registration
Statement on Form S-4 (the &quot;<B><I>Registration Statement</I></B>&quot;), in which a joint proxy statement to be sent to
the ChoiceOne shareholders and the CBC shareholders relating to the ChoiceOne Shareholder Meeting and the CBC Shareholder Meeting
will be included as a prospectus (&quot;<B><I>Joint Proxy Statement</I></B>&quot;), as promptly as practicable following the
date of this Plan of Merger, but in any event not later than June 17, 2019 (unless CBC and ChoiceOne agree otherwise)<FONT STYLE="font: 10pt/115% Times New Roman, Times, Serif">.
</FONT> ChoiceOne will use Commercially Reasonable Efforts to have the Registration Statement declared
effective under the Securities Act as promptly as practicable after such filing and will use all Commercially Reasonable Efforts
to keep the Registration Statement effective as long as reasonably necessary to consummate the Merger. Prior to the filing of
the Registration Statement, ChoiceOne will consult with CBC with respect to such filing and will afford CBC and its Representatives
opportunity to review and comment thereon, and ChoiceOne will use its Commercially Reasonable Efforts to incorporate into the
Registration Statement any comments or changes reasonably suggested by CBC. Each of ChoiceOne and CBC will provide all information
concerning itself and its Affiliates to the other, and provide such other assistance, as may be reasonably requested in connection
with the preparation, filing and distribution of the Registration Statement and the Joint Proxy Statement. The Registration Statement
and the Joint Proxy Statement will include all information reasonably requested by CBC to be included. If at any time prior to
the ChoiceOne Shareholder Meeting or the CBC Shareholder Meeting, any event with respect to ChoiceOne or CBC or any of their respective
officers and directors or Subsidiaries should occur which is required to be described in an amendment of, or a supplement to,
the Joint Proxy Statement or the Registration Statement, ChoiceOne or CBC, as applicable, will promptly inform the other party
so that such event may be so described, and such amendment or supplement will be promptly filed with the SEC and any state securities
regulators, as applicable, and, as required by Law, disseminated to the ChoiceOne Shareholders and the CBC Shareholders.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.5.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will, as soon as is reasonably practicable following the date on which the Registration
Statement is declared effective or the effective date can be predicted with reasonable certainty, duly call, give proper notice
of, convene and hold a special meeting of the CBC Shareholders for the purpose of seeking</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">the CBC Shareholder Approval (&quot;<B><I>CBC
Shareholder Meeting</I></B>&quot;). Subject to <I>Section 5.3</I>, CBC will use its Commercially Reasonable Efforts to (a) cause
the Joint Proxy Statement to be mailed to the CBC Shareholders and to hold the CBC Shareholder Meeting as promptly as practicable
after the Registration Statement is declared effective under the Securities Act, (b) solicit from the CBC Shareholders proxies
to vote on the proposal to approve this Plan of Merger, and secure a quorum at the CBC Shareholder Meeting, and (c) solicit the
CBC Shareholder Approval. CBC will, through the CBC Board of Directors, recommend to the CBC Shareholders that they vote for the
CBC Shareholder Approval and will include such recommendation in the Joint Proxy Statement, except to the extent that the CBC
Board of Directors will have made a CBC Adverse Recommendation Change as permitted by <I>Section 5.3</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in">CBC may adjourn
the CBC Shareholder Meeting to the extent necessary to ensure that any necessary supplement or amendment to the Joint Proxy Statement
is provided to the CBC Shareholders in advance of a vote on the CBC Shareholder Approval. Further, if as of the time for which
the CBC Shareholder Meeting is originally scheduled (as set forth in the Joint Proxy Statement) there are insufficient CBC Shareholders
represented (either in person or by proxy) to constitute a quorum necessary to conduct the business of such CBC Shareholder Meeting
or there are insufficient votes to obtain the CBC Shareholder Approval, (i) at the request of ChoiceOne, CBC will adjourn the
CBC Shareholder Meeting to a date no more than 10 Business Days later than the date of the initial CBC Shareholder Meeting; <I>provided</I>,
that ChoiceOne may not request that CBC make such an adjournment more than once, and (ii) CBC may adjourn the CBC Shareholder
Meeting.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.5.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will, as soon as is reasonably practicable following the date on which the Registration
Statement is declared effective or the effective date can be predicted with reasonable certainty, duly call, give proper notice
of, convene and hold a special meeting of the ChoiceOne Shareholders for the purpose of seeking the ChoiceOne Shareholder Approval
(&quot;<B><I>ChoiceOne Shareholder Meeting</I></B>&quot;). Subject to <I>Section 5.4</I>, ChoiceOne will use its Commercially
Reasonable Efforts to (a) cause the Joint Proxy Statement to be mailed to the ChoiceOne Shareholders and to hold the ChoiceOne
Shareholder Meeting as promptly as practicable after the Registration Statement is declared effective under the Securities Act,
(b) solicit from the ChoiceOne Shareholders proxies to vote on the proposal to approve this Plan of Merger and the Increase in
Common Stock, and secure a quorum at the ChoiceOne Shareholder Meeting, and (c) solicit the ChoiceOne Shareholder Approval. ChoiceOne
will, through the ChoiceOne Board of Directors, recommend to the ChoiceOne Shareholders that they vote for the ChoiceOne Shareholder
Approval and will include such recommendation in the Joint Proxy Statement, except to the extent that the ChoiceOne Board of Directors
will have made a ChoiceOne Adverse Recommendation Change as permitted by <I>Section 5.4</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in">ChoiceOne may adjourn
the ChoiceOne Shareholder Meeting to the extent necessary to ensure that any necessary supplement or amendment to the Joint Proxy
Statement is provided to the ChoiceOne Shareholders in advance of a vote on the ChoiceOne Shareholder Approval. Further, if as
of the time for which the ChoiceOne Shareholder Meeting is originally scheduled (as set forth in the Joint Proxy Statement) there
are insufficient ChoiceOne Shareholders represented (either in person or by proxy) to constitute a quorum necessary to conduct
the business of such ChoiceOne Shareholder Meeting or there are insufficient votes to obtain the ChoiceOne Shareholder Approval,
(i) at the request of CBC, ChoiceOne will adjourn the ChoiceOne Shareholder Meeting to a date no more than 10 Business Days later
than the date of the initial ChoiceOne Shareholder Meeting; <I>provided</I>, that CBC may not request that ChoiceOne make such
an adjournment more than once, and (ii) ChoiceOne may adjourn the ChoiceOne Shareholder Meeting.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.5.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">After the Joint Proxy Statement has been mailed to the CBC Shareholders and the ChoiceOne
Shareholders, neither the CBC Shareholder Meeting nor the ChoiceOne Shareholder Meeting will be postponed without the prior written
consent of ChoiceOne and CBC, respectively.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.6</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Regulatory Matters and Approvals.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.6.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subject to the terms and conditions of this Plan of Merger, each of the parties will use
all Commercially Reasonable Efforts to take, or cause to be taken, all actions, and to do, or cause to be done, all things necessary,
proper, or advisable under applicable Laws and regulations to consummate and make effective the Merger. Subject to the terms and
conditions of this Plan of Merger, the parties will use all</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">Commercially Reasonable Efforts to obtain consents of all third parties
and governmental bodies necessary or desirable for the consummation of the Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.6.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Within 60 calendar days after the date of this Plan of Merger, ChoiceOne will prepare and
file with the Federal Reserve Board and each other Governmental Entity having jurisdiction over the Merger all applications and
documents required to obtain, and will use its Commercially Reasonable Efforts to obtain, upon terms and conditions reasonably
acceptable to ChoiceOne and CBC, each necessary approval of or consent to consummate the Merger. ChoiceOne will provide CBC with
opportunities to review and comment upon such documents before filing and to make such revisions and amendments and file such
supplements thereto as CBC may reasonably request. ChoiceOne will provide CBC with copies of all correspondence received from
these agencies and all responsive correspondence sent to these agencies. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.6.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">From the date of this Plan of Merger until the Effective Time, each of ChoiceOne and CBC
will promptly notify the other party in writing of any pending or, to the Knowledge of ChoiceOne or CBC (as the case may be),
threatened Action or Order by any Governmental Entity or any other Person (a) challenging or seeking material damages in connection
with the Merger or the other transactions contemplated by this Plan of Merger (b) seeking to restrain or prohibit the consummation
of the Merger or the other transactions contemplated by this Plan of Merger, or (c) otherwise relating to this Plan of Merger
or any of the transactions contemplated by this Plan of Merger. If any Action or Order is instituted (or threatened to be instituted)
challenging any of the transactions contemplated by this Plan of Merger as violative of any Law, each of ChoiceOne and CBC will,
and will cause their respective Representatives to, cooperate and use their Commercially Reasonable Efforts to contest and resist,
except insofar as ChoiceOne and CBC may otherwise agree, any such Action or Order, including any Action or Order that seeks a
temporary restraining order or preliminary injunction that would prohibit, prevent or restrict consummation of the Merger or the
other transactions contemplated by this Plan of Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.6.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Nothing contained in this Plan of Merger will give CBC, directly or indirectly, the right
to control or direct the operations of ChoiceOne or give ChoiceOne, directly or indirectly, the right to control or direct the
operations of CBC prior to the Effective Time. Prior to the Effective Time, subject to <I>Sections 5.1</I> and <I>5.2</I>, as
applicable, ChoiceOne and CBC each will exercise, consistent with the terms and conditions of this Plan of Merger, complete control
and supervision over their respective business operations.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.6.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each of ChoiceOne and CBC will, and will cause their respective Subsidiaries to, take all
Commercially Reasonable Efforts as may be necessary or appropriate to transfer, or to allow for the Surviving Corporation to utilize
after the Effective Time, or obtain, as permitted by Law, all Permits appropriate or necessary to continue the business of ChoiceOne
and CBC and their respective Subsidiaries as currently conducted.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.7</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Governance Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.7.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne's Board of Directors is, and the board of directors of the Surviving Corporation
will be, divided into three (3) classes, as equal in number as possible, with the term of office of one class expiring each year.
ChoiceOne will take all requisite action, effective as of the Effective Time, (a)&nbsp;to cause the size of the board of directors
of the Surviving Corporation to be fourteen (14) directors, (b)&nbsp;to cause the members of the board of directors of the Surviving
Corporation to be comprised of (i)&nbsp;seven (7) persons designated by CBC (the &quot;<B><I>CBC Designees</I></B>&quot;), and
(ii)&nbsp;seven (7) persons designated by ChoiceOne (the &quot;<B><I>ChoiceOne Designees</I></B>&quot;); and (c) to cause the
number of ChoiceOne Designees and CBC Designees in each of the three (3) classes of the Surviving Corporation's Board of Directors
to be as equal as possible. If any such CBC Designee or ChoiceOne Designee, as applicable, is unwilling, ineligible or otherwise
not capable or qualified to act in such capacity, the current CBC Board of Directors or ChoiceOne Board of Directors, as applicable,
will prior to the Effective Time, subject to the prior written consent of CBC or ChoiceOne, as applicable (which will not be unreasonably
withheld, conditioned or delayed), designate another qualified person or persons to serve as a CBC Designee or ChoiceOne Designee,
as applicable. Each CBC Designee and ChoiceOne Designee will serve for a term expiring at the next annual meeting of shareholders
of the Surviving Corporation at which the term of the class of directors of which such CBC Designee or ChoiceOne Designee is a
member expires, and, despite the expiration of his or her term, until his or her successor has been elected and qualified.</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.7.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">From the period beginning at the Effective Time and continuing until completion of the third
(3<SUP>rd</SUP>) annual shareholder meeting of the Surviving Corporation after the Effective Time (the &quot;<B><I>Designation
Period</I></B>&quot;), the board of directors of the Surviving Corporation will nominate for election to the Board of Directors
at each shareholder meeting of the Surviving Corporation the CBC Designees and the ChoiceOne Designees, or such replacement designees
as selected by the remaining CBC Designees (in the case of a vacancy caused by departure of a CBC Designee) or ChoiceOne Designees
(in the case of a vacancy caused by departure of a ChoiceOne Designee), as applicable. In the event of any vacancy in the board
of directors of the Surviving Corporation during the Designation Period, whether caused by the death, disability, resignation,
or removal of a director, such vacancy will be filled by the remaining CBC Designees (in the case of a vacancy caused by departure
of a CBC Designee) or the remaining ChoiceOne Designees (in the case of a vacancy caused by departure of a ChoiceOne Designee).
Prior to the Effective Time, ChoiceOne will cause its bylaws to be amended or, to the extent necessary, will use Commercially
Reasonable Efforts to obtain the approval of the ChoiceOne Shareholders of an amendment of its articles of incorporation, (a)
to reflect the terms of this <I>Section&nbsp;5.7.2</I> and to provide that such provisions may be amended during the Designation
Period only by the vote of two-thirds of the total number of authorized directorships of the board of directors of the Surviving
Corporation, regardless of any vacancies, and (b) to reflect that the mandatory age of retirement for directors of ChoiceOne will
be 72 years.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.7.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Effective as of the Effective Time, (a)&nbsp;the Chairman of ChoiceOne will serve as Chairman
of the board of directors of the Surviving Corporation; (b)&nbsp;the Chairman and Chief Executive Officer of CBC will serve as
Vice Chairman of the board of directors of the Surviving Corporation; (c)&nbsp;the Chief Executive Officer of ChoiceOne will serve
as the Chief Executive Officer of the Surviving Corporation; and (d)&nbsp;the President and Chief Operating Officer of CBC will
serve as President of the Surviving Corporation.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.7.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Effective as of the Effective Time and until the earlier of the expiration of the Designation
Period or the consolidation of ChoiceOne Bank (&quot;<B><I>ChoiceOne Bank</I></B>&quot;) and Lakestone Bank &amp; Trust (&quot;<B><I>Lakestone
Bank</I></B>&quot;), (a) the board of directors of Lakestone Bank will be the board of directors of Lakestone Bank as of immediately
prior to the Effective Time, except that ChoiceOne will be entitled to designate, and CBC will cause to be added to the board
of directors of Lakestone Bank, one (1) individual who is an officer of the Surviving Corporation and a director of ChoiceOne
Bank, and (b) the board of directors of ChoiceOne Bank will be the board of directors of ChoiceOne Bank as of immediately prior
to the Effective Time, except that CBC will be entitled to designate, and ChoiceOne will cause to be added to the board of directors
of ChoiceOne Bank, one (1) individual who is an officer of the Surviving Corporation and a director of Lakestone Bank.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.8</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Press Releases and Public Announcement</I>. </FONT>Each of CBC and ChoiceOne will not,
and will cause its respective Representatives to not, issue any press release or make any public announcement relating to this
Plan of Merger, the Merger or the other transactions contemplated by this Plan of Merger without the prior written approval of,
in the case of CBC or its Representatives, ChoiceOne, and in the case of ChoiceOne or its Representatives, CBC. However, each
of CBC and ChoiceOne may issue any such press release or make such public announcement, including with respect to actions contemplated
by <I>Sections 5.1</I> and <I>5.2</I>, as applicable, it believes in good faith is required to be made by applicable Law or by
any applicable securities exchange after consultation with outside legal counsel, in which case the disclosing party will advise
and consult with the other party regarding any such press release or other announcement prior to making any such disclosure. Notwithstanding
the foregoing, nothing in this <I>Section 5.8</I> will be deemed to expand, modify or limit CBC's and ChoiceOne's rights and obligations
set forth in <I>Sections 5.3</I> and <I>5.4</I>, as applicable. CBC and ChoiceOne agree to issue a joint press release initially
announcing this Plan of Merger and the transactions contemplated by this Plan of Merger, including the Merger.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.9</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Access to Information.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.9.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Subject to applicable Law, during the period commencing on the date of this Plan of Merger
and ending at the earlier of the Effective Time and the termination of this Plan of Merger in accordance with <I>Article VII</I>,
CBC and ChoiceOne will, and will cause each of their Subsidiaries to, upon reasonable prior written notice, permit the other party
and its respective Representatives to have reasonable access (including promptly and fully responding to all reasonable document
or other information requests of the other party) at all reasonable times, and in a manner so as not to interfere with the normal
business operations of CBC, ChoiceOne and each of their Subsidiaries, to the officers and senior management, the premises, agents,
books, records, and</FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">Contracts of or pertaining to CBC and the CBC Subsidiaries or ChoiceOne and the ChoiceOne Subsidiaries as
may be reasonably requested in writing; <I>provided</I>, <I>however</I>, that such access will (a)&nbsp;comply with all applicable
Laws, (b)&nbsp;not result in, or reasonably be expected to result in, the waiver of the attorney-client privilege, (c)&nbsp;not
result in, or reasonably be expected to result in, a material breach of any material Contract, and (d) not include any confidential
supervisory information. No such access will affect the representations, warranties, covenants or agreements of the parties (or
the remedies with respect thereto) or the conditions to the obligations of the parties under this Plan of Merger. CBC and ChoiceOne
will use Commercially Reasonable Efforts to obtain from third parties any consents or waivers of any confidentiality restrictions
with respect to any such information requested to be provided by it.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.9.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will give prompt written notice to ChoiceOne of any event that would reasonably be expected
to give rise to a CBC Material Adverse Effect. ChoiceOne will give prompt written notice to CBC of any event that would reasonably
be expected to give rise to a ChoiceOne Material Adverse Effect. Each of CBC and ChoiceOne will give prompt written notice to
the other party of any notice or other communication received by such party from any Governmental Entity or other Person in connection
with the transactions contemplated by this Plan of Merger or from any Person alleging that the consent of such Person is or may
be required in connection with the transactions contemplated by this Plan of Merger. The delivery of any notice pursuant to this
<I>Section 5.9.2</I> will not limit, expand or otherwise affect the remedies available hereunder (if any) to the party receiving
such notice.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.9.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">While this Plan of Merger is in effect, if either CBC or ChoiceOne becomes aware of any facts
or the occurrence or impending occurrence of any event that (a)&nbsp;would cause one or more of the representations and warranties
it has given in <I>Article III</I> or <I>IV</I>, respectively, subject to the exceptions contained in the CBC Disclosure Letter
or the ChoiceOne Disclosure Letter, respectively, to become untrue or incomplete in any material respect; or (b)&nbsp;would have
caused one or more of such representations and warranties to be untrue or incomplete in any material respect had such facts been
Known or had such event occurred prior to the date of this Plan of Merger, then such party will immediately give written notice
of such discovery or change, including a detailed description of the underlying facts or events, together with all reasonably
pertinent documents, to the other party.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.9.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each of CBC, on the one hand, and ChoiceOne, on the other hand, will, and will cause their
respective Representatives to, hold and treat in confidence all documents and information concerning the other party and its Subsidiaries
furnished to the applicable party or their respective Representatives in connection with the transactions contemplated by this
Plan of Merger in accordance with the letter agreement, dated August 27, 2018, between CBC and ChoiceOne (&quot;<B><I>Confidentiality
Agreement</I></B>&quot;), which will remain in full force and effect in accordance with its terms. Each of CBC, on the one hand,
and ChoiceOne, on the other, will not, and will cause its respective directors, officers and employees to not, discuss or disclose
any information concerning the Merger, or the negotiations or board discussions, deliberations or decisions in any way related
to the Merger, other than information to the extent set forth in the Joint Proxy Statement, with any Person other than the Representatives
of either party and any Governmental Entity. </FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.10</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Indemnification and Insurance.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.10.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">All rights to exculpation, indemnification and advancement of expenses now existing in favor
of the current or former directors, officers, employees or agents (each, together with such person's heirs, executors or administrators,
an &quot;<B><I>Indemnified Party</I></B>&quot;), as the case may be, of CBC or the CBC Subsidiaries as provided in their respective
articles of incorporation or bylaws or other organization documents or in the existing indemnity agreements with CBC or any of
the CBC Subsidiaries will survive the Merger, be honored and assumed by the Surviving Corporation and continue in full force and
effect in accordance with their terms. For a period of six years from the Effective Time, the Surviving Corporation, to the fullest
extent permitted by applicable Law, will</FONT> <FONT STYLE="font-size: 10pt">maintain in effect exculpation, indemnification
and advancement of expenses provisions that are no less favorable to officers, directors, employees or agents than those set forth
in the articles of incorporation and bylaws or similar organization documents of CBC and the CBC Subsidiaries in effect immediately
prior to the date of this Plan of Merger, and, subject to compliance with applicable Law, will not amend, repeal or otherwise
modify any such provisions in any manner that would adversely affect the rights thereunder of any individuals who at the Effective
Time were current or former directors, officers, employees or agents of CBC or any of the CBC Subsidiaries. All rights to exculpation,
indemnification or advancement of expenses in respect of any Action pending or asserted or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">any claim made within such period will
continue until the disposition of such Action or resolution of such claim. In the event of any such Action, the Surviving Corporation
will use Commercially Reasonable Efforts to cooperate with the Indemnified Party in the defense of the Action.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.10.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will purchase, prior to the Effective Time, at a cost not exceeding 300% of the last
annual premium of each policy, a six-year prepaid &quot;tail&quot; policy on terms and conditions providing substantially equivalent
benefits as the current policies of bankers' blanket bond, directors' and officers' liability insurance and fiduciary liability
insurance maintained by CBC and the CBC Subsidiaries for the Indemnified Parties with respect to matters occurring at or prior
to the Effective Time, including the transactions contemplated by this Plan of Merger. The Surviving Corporation will maintain
such policy in full force and effect for its full term and honor all obligations thereunder.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.10.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The rights of each Indemnified Party hereunder will be in addition to, and not in limitation
of, any other rights such person may have under the articles of incorporation or bylaws or other organization documents of CBC
or any of the CBC Subsidiaries or the Surviving Corporation, any other indemnification arrangement, the MBCA, directors' and officers'
insurance claims under any policy that is or has been in existence with respect to CBC or the CBC Subsidiaries or otherwise. The
provisions of this <I>Section&nbsp;5.10</I> will survive the consummation of the Merger and expressly are intended to benefit,
and are enforceable by, each of the Indemnified Parties, each of whom is a third-party beneficiary of this <I>Section&nbsp;5.10</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.10.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event that the Surviving Corporation or its successors or assigns (a)&nbsp;consolidates
with or merges into any other person and will not be the continuing or surviving corporation or entity in such consolidation or
merger or (b)&nbsp;transfers all or substantially all of its properties and assets to any Person, in each case, proper provision
will be made so that the successors and assigns of the Surviving Corporation, as the case may be, will assume the obligations
set forth in this <I>Section&nbsp;5.10</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.11</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Takeover Laws</I>. </FONT>If any Takeover Law is or may become applicable to the Merger,
the parties will use their respective Commercially Reasonable Efforts to (a) take such actions as are reasonably necessary so
that the transactions contemplated hereunder may be consummated as promptly as practicable on the terms contemplated by this Plan
of Merger and (b) otherwise take all such actions as are reasonably necessary to eliminate or minimize the effects of any such
Law on the Merger and the transactions contemplated by this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.12</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Section <FONT STYLE="font-family: Times New Roman, Times, Serif">16</FONT> Matters</I>.
</FONT>Prior to the Effective Time, CBC and ChoiceOne each will take all such steps as may be required to cause any acquisitions
or dispositions of ChoiceOne Common Stock (including derivative securities with respect to ChoiceOne Common Stock) resulting from
the Merger and the other transactions contemplated by this Plan of Merger, by each individual who may become or is reasonably
expected to become subject to the reporting requirements of Section 16(a) of the Exchange Act with respect to ChoiceOne immediately
following the Effective Time, to be exempt under Rule 16b-3 promulgated under the Exchange Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.13</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Securityholder Litigation</I>. </FONT>Each party will keep the other party reasonably
informed with respect to the defense or settlement of any securityholder Action against it or its directors or officers relating
to the Merger or the other transactions contemplated by this Plan of Merger. Each party will give the other party the opportunity
to consult with it regarding the defense or settlement of any such securityholder Action and will not settle any such Action without
the other party's prior written consent (such consent not to be unreasonably withheld, conditioned or delayed).</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.14</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Tax-Free Reorganization Treatment.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.14.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC and ChoiceOne intend that the Merger will qualify as a reorganization under Section 368(a)
of the Code (the &quot;<B><I>Intended Tax Treatment</I></B>&quot;), and each will not, and will not permit any of their respective
Subsidiaries to, take any action, agree to take any action, or fail to take or agree to take any action, that would reasonably
be expected to jeopardize the qualification of the Merger as a reorganization under Section 368(a) of the Code. CBC and ChoiceOne
intend that this Agreement constitute and hereby adopt this Agreement as a &quot;Plan of Reorganization&quot; within the meaning
of Treasury Regulations Sections 1.368&#45;2(g) and 1.368&#45;3(a) for purposes of Sections 354, 356 and 361 of the Code (and
any comparable provisions of Michigan law) for federal and</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">applicable Michigan state income tax purposes and this Agreement will
be interpreted consistent with that intent. CBC and ChoiceOne will use Commercially Reasonable Efforts, and will cause their respective
Subsidiaries to use Commercially Reasonable Efforts, to cause the Merger to qualify as a reorganization within the meaning of
Section 368(a) of the Code, including providing reasonable and customary representations, covenants and certificates requested
by counsel under <I>Sections 6.2.5</I> and <I>6.3.5</I>. If the Merger would not qualify as a reorganization within the meaning
of Section 368(a) of the Code and the Treasury Regulations thereunder, then CBC and ChoiceOne agree to reasonably adjust the terms
of this Agreement as needed in order for the Merger to qualify as a reorganization within the meaning of Section 368(a) of the
Code and the Treasury Regulations thereunder. Within 45 days following the Effective Time, the Surviving Corporation will comply
with the reporting requirements of Section 1.6045B-1(a)(2) of the Treasury Regulations.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.14.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each of CBC and ChoiceOne will report the Merger as a reorganization within the meaning of
Section 368(a) of the Code on its United States federal income Tax Return, unless otherwise required pursuant to a &quot;determination&quot;
within the meaning of Section 1313(a) of the Code.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.15</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Pre-Merger Special Dividend</I>. </FONT>The ChoiceOne Board of Directors may, subject
to applicable Law and the ChoiceOne articles of incorporation and bylaws, declare a special cash dividend in an amount equal to
$0.60 per share of ChoiceOne Common Stock (subject to customary adjustments for any stock dividend, subdivision, reclassification,
recapitalization, split, combination, exchange of shares or similar event following the date of this Plan of Merger) with a record
date and payment date after the satisfaction of the conditions set forth in <I>Sections 6.1</I>, <I>6.2</I> and <I>6.3</I> (other
than those conditions that by their nature are to be satisfied by actions taken at the Closing but which conditions would be satisfied
(including the delivery of officers' certificates without qualifications or exceptions) if such date were the Closing Date) (any
such dividend, the &quot;<B><I>Pre-Merger Special Dividend</I></B>&quot;), and set the record date and payment date for such Pre-Merger
Special Dividend in its sole discretion. Notwithstanding anything in this Agreement to the contrary, the amount of the Pre-Merger
Special Dividend will be adjusted if necessary to preserve the status of the Merger as a tax-free reorganization within the meaning
of Section&nbsp;368(a) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.16</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Dividends</I>. </FONT>CBC and ChoiceOne will coordinate with each other regarding the
declaration, setting of record dates, and payment dates of dividends with respect to shares of CBC Common Stock and ChoiceOne
Common Stock for the purpose of minimizing the risk that holders of shares of CBC Common Stock (a) in respect of any calendar
quarter, receive dividends on both shares of CBC Common Stock and shares of ChoiceOne Common Stock received as Merger Consideration
or (b) in respect of any calendar quarter, fail to receive a dividend on shares of CBC Common Stock or shares of ChoiceOne Common
Stock received as Merger Consideration.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.17</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Expenses</I>. </FONT>Whether or not the Merger is consummated, except as otherwise provided
in this Plan of Merger, all costs and expenses incurred in connection with this Plan of Merger and the transactions contemplated
by this Plan of Merger will be paid by the party incurring such expenses, except that CBC and ChoiceOne will each pay and bear
one-half of (a)&nbsp;each regulatory filing, notification, registration or similar fee required to be paid by any party in connection
with this Plan of Merger and the transactions contemplated by this Plan of Merger under the Securities Act, the Exchange Act,
applicable banking Laws and other applicable Laws and (b) any fees and expenses (excluding each party's internal costs and fees
and expenses of attorneys, accountants and financial and other advisors) incurred in respect of printing, filing and mailing of
the Joint Proxy Statement and the Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.18</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Fairness Opinion</I>. </FONT>CBC will deliver to ChoiceOne a copy of the written fairness
opinion dated as of the date of this Plan of Merger and received from the CBC Investment Banker within five Business Days of the
date of this Plan of Merger or the date the fairness opinion is received, whichever is later, together with the form of consent
of the CBC Investment Banker to permit the inclusion of the text of its written opinion in its entirety in the Joint Proxy Statement,
so long as the CBC Investment Banker and its counsel have approved any summary of, or other description of, its written opinion
in the Joint Proxy Statement in advance of its filing with the SEC. ChoiceOne will deliver to CBC a copy of a written fairness
opinion dated as of the date of this Plan of Merger and received from the ChoiceOne Investment Banker within five Business Days
of the date of this Plan of Merger or the date the fairness opinion is received, whichever is later, together with the form of
consent of the ChoiceOne Investment Banker to permit the inclusion of the text of its written opinion in its entirety in the Joint
Proxy</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">Statement, so long as the ChoiceOne Investment Banker and its counsel have approved any summary of, or other description
of, its written opinion in the Joint Proxy Statement in advance of its filing with the SEC.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.19</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Employee Matters.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Employment Continuation</I>. All individuals employed by, or on authorized leave of absence
from, CBC or any CBC Subsidiary immediately before the Effective Time will automatically become employees of ChoiceOne or a ChoiceOne
Subsidiary as of the Effective Time. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Benefit Continuation</I>. ChoiceOne covenants and agrees to provide to each employee of
CBC or any CBC Subsidiary who becomes employed by ChoiceOne or any of its Subsidiaries as a result of the Merger with the same
employee benefits then provided to similarly situated employees at ChoiceOne.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Severance/Employment Agreements</I>. Simultaneously with execution and delivery of this
Plan of Merger, ChoiceOne will enter into an agreement with each of the President and the Chief Executive Officer of CBC with
respect to obligations under the existing employment agreements listed on the CBC Disclosure Letter.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Retention Bonuses</I>. ChoiceOne and CBC will cooperate in the other party's efforts to
cause certain employees of such party and/or its Subsidiaries, as agreed by ChoiceOne and CBC, if any, to enter into retention
or stay bonus agreements (in a form mutually agreed to by ChoiceOne, CBC, and the employee)&nbsp;prior to the Effective Time.
All retention and stay bonuses, if any, to be paid are subject to the mutual agreement of CBC and ChoiceOne.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Years of Service Credit</I>. ChoiceOne covenants and agrees that all employees of CBC
who are employed by ChoiceOne or any of its Affiliates as of the Effective Time and as a result of the consummation of the Merger
will receive credit for all years of service credited, as of immediately before the Effective Time, to the employee by CBC or
any CBC Subsidiary in the ordinary course of business consistent with past practice for all purposes, including, without limitation,
for purposes of eligibility to participate, vesting credit, entitlement to benefits, and levels of benefits of any ChoiceOne Benefit
Plan (including, but not limited to, ChoiceOne's 401(k) plan) or any other employee benefit plan of the Surviving Corporation,
and for purposes of determining seniority in connection with employment with the Surviving Corporation and its Affiliates. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Annual Compensation Cycle. </I>In connection with its annual compensation cycle, each
of ChoiceOne and CBC will be permitted (a)&nbsp;to pay cash bonuses under its respective cash bonus plan, consistent with the
terms of the bonus plan and past practice; (b)&nbsp; to establish a 2019 cash bonus plan and issue incentive compensation in the
form of equity awards under its existing stock incentive plan, in each case consistent with past practice and after consultation
with the other party; and (c)&nbsp;to increase employee compensation in the ordinary course consistent with past practice, and
in any event no more than 3.5% in the aggregate. </FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Expense Reimbursement.</I> Each of ChoiceOne and CBC will be permitted to reimburse employees
for expenses in accordance with its applicable reimbursement policies and consistent with past practice.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Termination of Qualified Retirement Plans.</I></FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">5.19.8.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The CBC Board of Directors will, prior to the Effective Time, adopt resolutions terminating the CBC Retirement
Plans effective as of immediately prior to the Effective Time.&nbsp; The accounts of all participants and beneficiaries in the
CBC Retirement Plans will become fully vested upon termination of the CBC Retirement Plans.&nbsp; As soon as practicable following
the Effective Time, all account balances in the CBC Retirement Plans will be either distributed to participants and beneficiaries
or rolled over to an eligible tax-qualified retirement plan or individual retirement account as a participant or beneficiary may
direct. Prior to the Effective Time,
the CBC Board of Directors will (a) contribute to the account of each participant in the CBC 401(k) plan up to a 1% matching contribution
for the period beginning January 1, 2019 and ending immediately prior to the Effective Time consistent with the formula used by
CBC in past practice, and (b) contribute to the account of each participant in the Lakestone Bank Profit Sharing Plan a profit-sharing
contribution in an amount that, based on after-</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt">tax net profits earned from Lakestone Bank for the period beginning January 1, 2019
and ending immediately prior to the Effective Time, would provide a profit-sharing contribution equal to 10% of after-tax net profit
if the Effective Time were to occur on January 1, 2020. By way of example,</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 14%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 31%; border-bottom: Black 1pt solid; line-height: 115%">If the Effective Time were<BR>
    to occur on</TD>
    <TD STYLE="width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 41%; border-bottom: Black 1pt solid; line-height: 115%">The profit-sharing contribution would<BR>
    be the following percentage of after-tax net<BR>
    profit earned through the Effective Time</TD>
    <TD STYLE="width: 7%; text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">October 1, 2019</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.33%</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">November 1, 2019</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.00%</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">December 1, 2019</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.90%</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">January 1, 2019</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.00%</TD>
    <TD STYLE="text-align: justify; line-height: 115%">&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0"><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary herein, the amount of the profit-sharing contribution will remain
subject to the discretion of the CBC Board of Directors to contribute a lesser amount in accordance with the terms of the Lakestone
Bank Profit Sharing Plan.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">5.19.8.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Prior to the Effective Time, the ChoiceOne Board of Directors will adopt resolutions amending ChoiceOne's
401(k) plan effective as of the Effective Time to provide that participants in CBC's 401(k) plan immediately prior to termination
of such plan shall be entitled to receive up to a 1% matching contribution for amounts deferred to ChoiceOne's 401(k) plan during
2019 consistent with the formula used by CBC in past practice.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">5.19.8.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne agrees to permit participants in the CBC Retirement Plans who become employees
of ChoiceOne to roll over their account balances in the CBC Retirement Plans to ChoiceOne's 401(k)&nbsp;plan. Until the Effective
Time, CBC will be permitted to make profit-sharing and matching contributions to the CBC Retirement Plans based on participants'
elective contributions to the CBC Retirement Plans, in the ordinary course consistent with past practice.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Deferred Compensation Plans</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">5.19.9.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Notwithstanding anything to the contrary herein, prior to the Effective Time, Lakestone Bank
may pay to each active participant of the Lakestone Bank Director Retirement Plan up to $10,000 in lieu of a contribution/accrual
for 2019. Pursuant to its terms, the Lakestone Bank Director Retirement Plan will terminate as of the Effective Time and the Surviving
Corporation will cause the accounts thereunder to be paid on or within 30 days after the Effective Time.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">5.19.9.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Lakestone Bank Supplemental Executive Retirement Plan will continue in effect until and
be terminated effective December 31, 2019 as provided for under Treasury Regulation &sect;1.409A-3(j)(4)(ix)(B). The Surviving
Corporation will cause the accounts thereunder to be paid on or within 30 days after December 31, 2019.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.19.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Non-Equity Incentive and Bonus Plans.</I> Immediately on or prior to the Effective Time,
CBC and each CBC Subsidiary will, subject to the occurrence of the Effective Time, terminate all non-equity incentive and/or bonus
plans (other than the Lakestone Bank annual incentive bonus plan), and the accrued benefits as of the Effective Time will be paid
on a prorated basis based on the portion of the plan year completed before the Effective Time, assuming any individual performance
goals are satisfied at the targeted level of performance and any applicable performance goals are satisfied at the targeted level
of performance, and in a lump sum as soon as practicable following the Effective Time. Lakestone Bank may continue the Lakestone
Bank annual incentive bonus plan in effect until the later of (i) the date on which bonuses applicable to the 2019 calendar year
performance are paid pursuant to that plan consistent with past practice, or (ii) December 31, 2019.&nbsp; Lakestone Bank may
pay bonuses pursuant to the Lakestone Bank annual incentive bonus plan after the Effective Time in individual amounts consistent
with past practice that are distributed among individuals consistent with past practice, and in an aggregate amount generally
consistent with the aggregate amount paid under such plan in 2018.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.20</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Nasdaq Listing</I>. </FONT>ChoiceOne will use Commercially Reasonable Efforts to cause
the shares of ChoiceOne Common Stock to be issued as Merger Consideration in accordance with this Plan of Merger to</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify">be authorized
for listing on The Nasdaq Capital Market, subject to official notice of issuance, within 180 days after the Effective Time but
not later than April 30, 2020.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.21</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Transaction Documents.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.21.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The information supplied or to be supplied by CBC for inclusion or incorporation by reference
in any Transaction Document will not contain any untrue statement of material fact or omit to state a material fact required to
be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading,
(a) in the case of the Registration Statement, at the time it is filed with the SEC, at any time it is amended or supplemented
and at the time it becomes effective under the Securities Act, and (b)&nbsp;in the case of the Joint Proxy Statement, at the date
it is first mailed to the ChoiceOne Shareholders and the CBC Shareholders and at the time of the ChoiceOne Shareholder Meeting
and the CBC Shareholder Meeting. The Joint Proxy Statement (other than those portions relating solely to the ChoiceOne Shareholder
Meeting) will at the time the Joint Proxy Statement is filed with the SEC, at any time it is amended or supplemented, at the date
it is first mailed to the ChoiceOne Shareholders and the CBC Shareholders and at the time of the ChoiceOne Shareholder Meeting
and the CBC Shareholder Meeting, comply as to form in all material respects with the requirements of the Exchange Act and the
rules and regulations thereunder, except that no representation is made by CBC with respect to statements made or incorporated
by reference therein based on information supplied by or on behalf of ChoiceOne for inclusion or incorporation by reference in
the Joint Proxy Statement. The information supplied or to be supplied by CBC for inclusion or incorporation by reference in any
other document filed with a Governmental Entity will not contain any untrue statement of material fact when supplied.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.21.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The information supplied or to be supplied by ChoiceOne for inclusion or incorporation by
reference in any Transaction Document will not contain any untrue statement of material fact or omit to state a material fact
required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were
made, not misleading, (a) in the case of the Registration Statement, at the time it is filed with the SEC, at any time it is amended
or supplemented and at the time it becomes effective under the Securities Act, and (b)&nbsp;in the case of the Joint Proxy Statement,
at the date it is first mailed to the ChoiceOne Shareholders and the CBC Shareholders and at the time of the ChoiceOne Shareholder
Meeting and the CBC Shareholder Meeting. The Joint Proxy Statement (other than those portions relating solely to the CBC Shareholder
Meeting) will at the time the Joint Proxy Statement is filed with the SEC, at any time it is amended or supplemented, at the date
it is first mailed to the ChoiceOne Shareholders and the CBC Shareholders and at the time of the ChoiceOne Shareholder Meeting
and the CBC Shareholder Meeting, comply as to form in all material respects with the requirements of the Exchange Act and the
rules and regulations thereunder, except that no representation is made by ChoiceOne with respect to statements made or incorporated
by reference therein based on information supplied by or on behalf of CBC for inclusion or incorporation by reference in the Joint
Proxy Statement. The information supplied or to be supplied by ChoiceOne for inclusion or incorporation by reference in any other
document filed with a Governmental Entity will not contain any untrue statement of material fact when supplied.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.22</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Call Reports</I>. </FONT>All CBC Call Reports required to be filed between the date hereof
and the Effective Time by CBC or any CBC Subsidiary and all ChoiceOne Call Reports required to be filed between the date hereof
and the Effective Time by ChoiceOne or any ChoiceOne Subsidiary will be prepared and filed in conformity with applicable regulatory
requirements applied consistently throughout their respective periods (except as otherwise noted in such reports) and will be
correct and complete in all material respects when filed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.23</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Section 280G Mitigation</I>. </FONT>CBC and ChoiceOne will cooperate in good faith to
mitigate the impact of Section 280G of the Code on any &quot;parachute payment&quot; as that term is defined in Section 280G of
the Code to an executive officer of CBC or ChoiceOne in connection with the Merger. If, after the parties have cooperated in good
faith to mitigate the impact of Section 280G of the Code, any payment to an executive officer of CBC or ChoiceOne in connection
with the Merger would constitute a parachute payment, the parties agree to reduce such parachute payment such that the present
value of the total amounts and benefits received by the executive officer is equal to $1.00 less than three (3) times the executive
officer's &quot;base amount&quot; as defined in Section 280G of the Code. For the avoidance of doubt, in no circumstance shall
CBC or ChoiceOne pay any executive officer a &quot;gross up&quot; or similar payment to mitigate the impact of Section 280G of
the Code.</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">5.24</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Financial Statements.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.24.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The unaudited consolidated financial statements of CBC as of and for each quarter ending
after the date of this Plan of Merger until the Effective Time, including all schedules and notes relating to such statements,
will fairly present the financial condition and the results of operations, changes in shareholders' equity, and cash flows of
CBC as of the respective dates of and for the periods referred to in such financial statements, all in accordance with GAAP, consistently
applied, subject to normal, recurring year-end adjustments (the effect of which has not had, and would not reasonably be expected
to have, individually or in the aggregate, a CBC Material Adverse Effect) and the absence of notes (that, if presented, would
not differ materially from those included in CBC's Financial Statements).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">5.24.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The unaudited consolidated financial statements of ChoiceOne as of and for each quarter ending
after the date of this Plan of Merger until the Effective Time, including all schedules and notes relating to such statements,
will fairly present the financial condition and the results of operations, changes in shareholders' equity, and cash flows of
ChoiceOne as of the respective dates of and for the periods referred to in such financial statements, all in accordance with GAAP,
consistently applied, subject to normal, recurring year-end adjustments (the effect of which has not had, and would not reasonably
be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse Effect) and the absence of notes (that, if
presented, would not differ materially from those included in ChoiceOne's Financial Statements).</FONT></P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
VI<BR>
CLOSING CONDITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">6.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Conditions to Each Party's Obligation to Effect the Merger</I>. </FONT>The respective
obligations of each party to effect the Merger are subject to the fulfillment (or waiver by CBC and ChoiceOne) at or prior to
the Effective Time of the following conditions:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The CBC Shareholder Approval and the ChoiceOne Shareholder Approval will have been obtained.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC and ChoiceOne will have received all regulatory approvals required in connection with
the transactions contemplated by this Plan of Merger, all applicable notice periods and waiting periods will have expired, and
all such regulatory approvals will be in effect; <I>provided</I>, that no such regulatory approvals will contain any non-standard
conditions, restrictions or requirements that would, after the Effective Time, have, or be reasonably likely to have, individually
or in the aggregate, a Material Adverse Effect on the Surviving Corporation (after giving effect to the Merger).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">No provision of any applicable Law making illegal or otherwise prohibiting the consummation
of the Merger will be in effect and no temporary, preliminary or permanent restraining Order preventing the consummation of the
Merger will be in effect.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither party will be subject to any Order of a court or agency of competent jurisdiction
that enjoins or prohibits the consummation of the Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.1.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The Registration Statement will have become effective under the Securities Act, no stop order
suspending the effectiveness of the Registration Statement will have been issued by the SEC and no proceedings for that purpose
will have been commenced or threatened by the SEC and not withdrawn.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">6.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Conditions to CBC's Obligation to Effect the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">The obligation of
CBC to effect the Merger is subject to the fulfillment (or waiver by CBC) at or prior to the Effective Time of the following additional
conditions:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a)&nbsp;The representations and warranties of ChoiceOne contained in <I>Section 4.24</I>
(<I>Fairness Opinion</I>) will be true and correct in all respects as of the date of this Plan of Merger and as of the Closing
Date as though made on and as of the Closing Date (except that representations and warranties that by their terms</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">speak
specifically as of the date of this Plan of Merger or another date will be true and correct only as of such date); (b) the representations
and warranties of ChoiceOne contained in <I>Section 4.1.1</I> (<I>Authorization of Plan of Merger</I>), <I>Section 4.2</I> (<I>Organization
and Good Standing</I>), <I>Section 4.3.1</I> (<I>Subsidiaries &#8211; Ownership</I>), <I>Section 4.3.2</I> (<I>Subsidiaries &#8211;
Organization and Good Standing</I>), <I>Section 4.4</I> (<I>Capital Stock</I>) and <I>Section 4.23</I> (<I>Investment Bankers
and Brokers</I>) will be true and correct in all respects, other than inaccuracies which, individually and in the aggregate, are
<I>de minimis</I> in both amount and impact, as of the date of this Plan of Merger and as of the Closing Date as though made on
and as of the Closing Date (except that representations and warranties that by their terms speak specifically as of the date of
this Plan of Merger or another date will be true and correct only as of such date); (c) the representations and warranties of
ChoiceOne contained in <I>Section 4.1</I> (<I>Authorization, No Conflicts, Etc.</I>), other than the representations and warranties
in <I>Section 4.1.1</I> (<I>Authorization of Plan of Merger</I>), will be true and correct in all material respects as of the
date of this Plan of Merger and as of the Closing Date as though made on and as of the Closing Date (except that representations
and warranties that by their terms speak specifically as of the date of this Plan of Merger or another date will be true and correct
only as of such date); and (d) all other representations and warranties of ChoiceOne contained in <I>Article IV</I> will be true
and correct in all respects as of the date of this Plan of Merger and as of the Closing Date as though made on and as of the Closing
Date (except that representations and warranties that by their terms speak specifically as of the date of this Plan of Merger
or another date will be true and correct only as of such date), except where the failure of such representations and warranties
to be so true and correct has not had or resulted in, and would not reasonably be expected to have or result in, individually
or in the aggregate, a ChoiceOne Material Adverse Effect; <I>provided </I>that, for purposes of this sentence only, those representations
and warranties containing or subject to a materiality or Material Adverse Effect qualifier will be read without, and will be deemed
not to include or be subject to, any such qualifier; and <I>provided further</I> that a failure of the condition set forth in
<I>Section 6.1.2</I> to be satisfied will not be deemed a ChoiceOne Material Adverse Effect for the purpose of this <I>Section
6.2.1</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will have performed all of the covenants required to be performed by it under this
Plan of Merger at or prior to the Closing Date, except where the failure to perform such covenants has not had or resulted in,
and would not reasonably be expected to have or result in, individually or in the aggregate, a ChoiceOne Material Adverse Effect;
<I>provided</I> that, for purposes of this sentence only, those covenants containing or subject to a materiality or Material Adverse
Effect qualifier will be read without, and will be deemed not to include or be subject to, any such qualifier.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.2.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will have delivered to CBC a certificate, dated as of the Closing Date and signed
on behalf of ChoiceOne by its Chief Executive Officer or Chief Financial Officer certifying to the effect that the conditions
set forth in <I>Sections&nbsp;6.2.1</I> and <I>6.2.2</I> have been satisfied.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.2.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Since December 31, 2018, there has not been any change, state of facts, event, development
or effect that has had, or would reasonably be expected to have, individually or in the aggregate, a ChoiceOne Material Adverse
Effect; <I>provided</I>, <I>however</I>, that a failure of the condition set forth in <I>Section 6.1.2 </I>to be satisfied will
not be deemed a ChoiceOne Material Adverse Effect for purposes of this <I>Section 6.2.4</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.2.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will have received the opinion of Hunton Andrews Kurth LLP or other independent legal
counsel to CBC, on the basis of certain facts, representations and assumptions set forth in such opinion, dated the Closing Date,
a copy of which will be furnished to ChoiceOne, to the effect that the Merger will be treated for federal income tax purposes
as a reorganization within the meaning of Section 368(a) of the Code. In rendering such opinion, such counsel will be entitled
to receive and rely upon customary representations of officers of CBC and ChoiceOne as to such matters as such counsel may reasonably
request.</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">6.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Conditions to ChoiceOne's Obligation to Effect the Merger.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">The obligation of ChoiceOne
to effect the Merger is subject to the fulfillment (or waiver by ChoiceOne) at or prior to the Effective Time of the following
additional conditions:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.3.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a)&nbsp;The representations and warranties of CBC contained in <I>Section 3.24</I> (<I>Fairness
Opinion</I>) will be true and correct in all respects as of the date of this Plan of Merger and as of the Closing Date as though
made on and as of the Closing Date (except that representations and warranties that by their terms speak specifically as of the
date of this Plan of Merger or another date will be true and correct only as of such date);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">(b) the
representations and warranties of CBC contained in <I>Section 3.1.1</I> (<I>Authorization of Plan of Merger</I>), <I>Section 3.2
</I>(<I>Organization and Good Standing</I>), <I>Section 3.3.1</I> (<I>Subsidiaries &#8211; Ownership</I>), <I>Section 3.3.2</I>
(<I>Subsidiaries &#8211; Organization and Good Standing</I>), <I>Section 3.4</I> (<I>Capital Stock</I>) and <I>Section 3.23</I>
(<I>Investment Bankers and Brokers</I>) will be true and correct in all respects, other than inaccuracies which, individually
and in the aggregate, are <I>de minimis </I>in both amount and impact, as of the date of this Plan of Merger and as of the Closing
Date as though made on and as of the Closing Date (except that representations and warranties that by their terms speak specifically
as of the date of this Plan of Merger or another date will be true and correct only as of such date); (c) the representations
and warranties of CBC contained in <I>Section 3.1 </I>(<I>Authorization, No Conflicts, Etc.</I>), other than the representations
and warranties in <I>Section 3.1.1</I> (<I>Authorization of Plan of Merger</I>), will be true and correct in all material respects
as of the date of this Plan of Merger and as of the Closing Date as though made on and as of the Closing Date (except that representations
and warranties that by their terms speak specifically as of the date of this Plan of Merger or another date will be true and correct
only as of such date); and (d) all other representations and warranties of CBC contained in <I>Article III</I> will be true and
correct in all respects as of the date of this Plan of Merger and as of the Closing Date as though made on and as of the Closing
Date (except that representations and warranties that by their terms speak specifically as of the date of this Plan of Merger
or another date will be true and correct only as of such date), except where the failure of such representations and warranties
to be so true and correct has not had or resulted in, and would not reasonably be expected to have or result in, individually
or in the aggregate, a CBC Material Adverse Effect; <I>provided </I>that, for purposes of this sentence only, those representations
and warranties containing or subject to a materiality or Material Adverse Effect qualifier will be read without, and will be deemed
not to include or be subject to, any such qualifier; and <I>provided further</I> that a failure of the condition set forth in
<I>Section 6.1.2 </I>to be satisfied will not be deemed a CBC Material Adverse Effect for the purpose of this <I>Section 6.3.1</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.3.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will have performed all of the covenants required to be performed by it under this Plan
of Merger at or prior to the Closing Date, except where the failure to perform such covenants has not had or resulted in, and
would not reasonably be expected to have or result in, individually or in the aggregate, a CBC Material Adverse Effect; provided
that, for purposes of this sentence only, those covenants containing or subject to a materiality or Material Adverse Effect qualifier
will be read without, and will be deemed not to include or be subject to, any such qualifier.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.3.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">CBC will have delivered to ChoiceOne a certificate, dated as of the Closing Date and signed
on behalf of CBC by its Chief Executive Officer or Chief Financial Officer certifying to the effect that the conditions set forth
in <I>Sections&nbsp;6.3.1</I> and <I>6.3.2</I> have been satisfied.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.3.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Since December 31, 2018, there has not been any change, state of facts, event, development
or effect that has had, or would reasonably be expected to have, individually or in the aggregate, a CBC Material Adverse Effect;
<I>provided</I>, <I>however</I>, that a failure of the condition set forth in <I>Section 6.1.2</I> to be satisfied will not be
deemed a CBC Material Adverse Effect for purposes of this <I>Section 6.3.4</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.3.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">ChoiceOne will have received the opinion of Warner Norcross + Judd LLP or other independent
legal counsel to ChoiceOne, on the basis of certain facts, representations and assumptions set forth in such opinion, dated the
Closing Date, a copy of which will be furnished to CBC, to the effect that the Merger will be treated for federal income tax purposes
as a reorganization within the meaning of Section 368(a) of the Code. In rendering such opinion, such counsel will be entitled
to receive and rely upon customary representations of officers of CBC and ChoiceOne as to such matters as such counsel may reasonably
request.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">6.3.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The number of Dissenting Shares will not exceed twenty percent (20%) of the shares of CBC
Common Stock entitled to vote at the CBC Shareholders Meeting.</FONT></P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in"></P>

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<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
VII<BR>
TERMINATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">7.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Termination of Plan of Merge</I>r. </FONT>Notwithstanding anything contained in this Plan
of Merger to the contrary, this Plan of Merger may be terminated and the Merger may be abandoned at any time prior to the Effective
Time, whether before or, subject to the terms of this Plan of Merger, after receipt of the CBC Shareholder Approval or the ChoiceOne
Shareholder Approval (the date of such termination, the &quot;<B><I>Termination Date</I></B>&quot;), as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by mutual written consent of CBC and ChoiceOne;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by either CBC or ChoiceOne, if any Governmental Entity has issued an Order or taken any other
action permanently enjoining, restraining or otherwise prohibiting the consummation of the Merger and such Order or other action
is final and nonappealable. The right to terminate this Plan of Merger pursuant to this <I>Section 7.1.2</I> will not be available
to the party seeking to terminate if (a)&nbsp;the failure of CBC, in the case of a termination by CBC, or (b)&nbsp;the failure
of ChoiceOne, in the case of a termination by ChoiceOne, to perform any of its obligations under this Plan of Merger required
to be performed at or prior to the Effective Time has been a substantial cause of, or a substantial factor that resulted in, the
issuance of such an Order or the taking of such an action;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by either CBC or ChoiceOne, if the Merger does not occur on or before December 31, 2019 (the
&quot;<B><I>End Date</I></B>&quot;); <I>provided</I>, <I>however</I>, that if the Merger has not occurred solely because approval
to consummate the transactions contemplated by this Plan of Merger has not been received from a Governmental Entity, then such
End Date may be extended by either party without the consent of the other party for a period not to exceed thirty (30) days; <I>provided
further</I>, that such End Date or extension thereof may be further extended to such later date as mutually agreed upon by the
parties hereto; <I>provided further, however</I>, that the right to terminate this Plan of Merger pursuant to this <I>Section
7.1.3</I> will not be available to the party seeking to terminate if (a)&nbsp;the failure of CBC, in the case of a termination
by CBC, or (b)&nbsp;the failure of ChoiceOne, in the case of a termination by ChoiceOne, to perform any of its obligations under
this Plan of Merger required to be performed at or prior to the Effective Time has been a substantial cause of, or a substantial
factor that resulted in, the failure of the Effective Time to occur on or before the End&nbsp;Date;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by either CBC or ChoiceOne (a) if the CBC Shareholder Meeting (including any postponements
or adjournments) will have concluded and been finally adjourned and the CBC Shareholder Approval will not have been obtained or
(b) if the ChoiceOne Shareholder Meeting (including any postponements or adjournments) will have concluded and been finally adjourned
and the ChoiceOne Shareholder Approval will not have been obtained. The right to terminate this Plan of Merger pursuant to this
<I>Section 7.1.4</I> will not be available to the party seeking to terminate if (i) the failure of CBC, in the case of a termination
by CBC, or (ii) the failure of ChoiceOne, in the case of a termination by ChoiceOne, to perform any of its obligations under this
Plan of Merger required to be performed at or prior to the CBC Shareholder Meeting or the ChoiceOne Shareholder Meeting, as applicable,
has been a substantial cause of, or a substantial factor that resulted in, the CBC Shareholder Approval or the ChoiceOne Shareholder
Approval, as applicable, not having been obtained;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by CBC, if ChoiceOne will have breached or failed to perform any of its representations,
warranties, covenants or other agreements contained in this Plan of Merger, which breach or failure to perform (a)&nbsp;would
result in a failure of a condition set forth in <I>Section&nbsp;6.1</I> or <I>6.2</I> and (b)&nbsp;(i)&nbsp;cannot be cured by
the End Date or (ii)&nbsp;if capable of being cured by the End Date, will not have been cured within thirty (30) &nbsp;Business
Days following receipt of written notice (which notice will specify in reasonable detail the nature of such breach or failure
and CBC's intention to terminate this Plan of Merger if such breach or failure is not cured) from CBC of such breach or failure;
<I>provided</I>, that CBC will not have a right to terminate this Plan of Merger pursuant to this <I>Section&nbsp;7.1.5</I> if
it is then in breach of any representations, warranties, covenants or other agreements contained in this Plan of Merger that would
result in a failure of a condition set forth in <I>Section&nbsp;6.1</I> or <I>6.3</I>;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by ChoiceOne, if CBC will have breached or failed to perform any of its representations,
warranties, covenants or other agreements contained in this Plan of Merger, which breach or failure to perform (a)&nbsp;would
result in a failure of a condition set forth in <I>Section&nbsp;6.1</I> or <I>6.3</I> and (b)&nbsp;(i)&nbsp;cannot be cured by
the</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify"><FONT STYLE="font-size: 10pt">End Date or (ii)&nbsp;if capable of being cured by the End Date, will not have been cured within thirty (30) Business Days
following receipt of written notice (which notice will specify in reasonable detail the nature of such breach or failure and ChoiceOne's
intention to terminate this Plan of Merger if such breach or failure is not cured) from ChoiceOne of such breach or failure; <I>provided</I>,
that ChoiceOne will not have a right to terminate this Plan of Merger pursuant to this <I>Section&nbsp;7.1.6</I> if it is then
in breach of any representations, warranties, covenants or other agreements contained in this Plan of Merger that would result
in a failure of a condition set forth in <I>Section&nbsp;6.1</I> or <I>6.2</I>;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by CBC prior to the receipt of the ChoiceOne Shareholder Approval if (a)&nbsp;the ChoiceOne
Board of Directors will have effected a ChoiceOne Adverse Recommendation Change; (b)&nbsp;the ChoiceOne Board of Directors will
have failed to reject a ChoiceOne Takeover Proposal and reaffirm the ChoiceOne Board Recommendation within five Business Days
following the public announcement of such ChoiceOne Takeover Proposal and in any event at least two Business Days prior to the
ChoiceOne Shareholder Meeting; (c) ChoiceOne enters into a ChoiceOne Acquisition Agreement; (d) ChoiceOne will have materially
breached <I>Section 5.4</I>; (e) subject to ChoiceOne's rights to adjourn or postpone the ChoiceOne Shareholder Meeting as permitted
by <I>Section 5.5.3</I>, ChoiceOne will have failed to call, give proper notice of, convene and hold the ChoiceOne Shareholder
Meeting; or (f)&nbsp;ChoiceOne or the ChoiceOne Board of Directors will have publicly announced its intention to do any of the
foregoing;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by ChoiceOne prior to the receipt of the CBC Shareholder Approval if (a)&nbsp;the CBC Board
of Directors will have effected a CBC Adverse Recommendation Change; (b)&nbsp;the CBC Board of Directors will have failed to reject
a CBC Takeover Proposal and reaffirm the CBC Board Recommendation within five Business Days following the public announcement
of such CBC Takeover Proposal and in any event at least two Business Days prior to the CBC Shareholder Meeting; (c) CBC enters
into a CBC Acquisition Agreement; (d) CBC will have materially breached <I>Section 5.3</I>; (e)&nbsp;subject to CBC's rights to
adjourn or postpone the CBC Shareholder Meeting as permitted by <I>Section&nbsp;5.5.2</I>, CBC will have failed to call, give
proper notice of, convene and hold the CBC Shareholder Meeting; or (f)&nbsp;CBC or the CBC Board of Directors will have publicly
announced its intention to do any of the foregoing;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.9</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by CBC prior to receipt of the CBC Shareholder Approval, in order to enter into a definitive
merger agreement or other definitive purchase or acquisition agreement that constitutes a CBC Superior Proposal; <I>provided</I>,
<I>however</I>, that (a)&nbsp;CBC has complied with <I>Section&nbsp;5.3</I> in all material respects and (b)&nbsp;CBC pays (or
causes to be paid) the CBC Termination Fee prior to or simultaneously with such termination;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.10</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by ChoiceOne prior to receipt of the ChoiceOne Shareholder Approval, in order to enter into
a definitive merger agreement or other definitive purchase or acquisition agreement that constitutes a ChoiceOne Superior Proposal;
<I>provided</I>, <I>however</I>, that (a)&nbsp;ChoiceOne has complied with <I>Section&nbsp;5.4</I> in all material respects and
(b)&nbsp;ChoiceOne pays (or causes to be paid) the ChoiceOne Termination Fee prior to or simultaneously with such termination;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.11</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by ChoiceOne, if, prior to the Closing, Lakestone Bank is examined for compliance with the
Community Reinvestment Act and receives written notification of a rating lower than &quot;Satisfactory&quot;; or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.1.12</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">by CBC, if, prior to the Closing, ChoiceOne Bank is examined for compliance with the Community
Reinvestment Act and receives written notification of a rating lower than &quot;Satisfactory.&quot;</FONT></P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">7.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Effect of Termination.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">In the event that:</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">this Plan of Merger is terminated by CBC pursuant to <I>Section 7.1.7</I> (or is terminated
by either party pursuant to <I>Section 7.1.4(b)</I> at a time when this Plan of Merger was terminable pursuant to <I>Section 7.1.7</I>),
ChoiceOne will pay, or cause to be paid, to CBC cash in an amount equal to $3,591,000 (the &quot;<B><I>ChoiceOne Termination Fee</I></B>&quot;);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">this Plan of Merger is terminated by CBC pursuant to <I>Section 7.1.5</I> or by CBC or ChoiceOne
pursuant to <I>Section 7.1.4(b)</I>, and if (a) any Person will have made (whether or not subsequently withdrawn) a ChoiceOne
Takeover Proposal prior to (i) the date that this Plan of Merger is terminated in the case of a termination pursuant to <I>Section
7.1.5</I> or (ii) the ChoiceOne Shareholder Meeting in the case of a termination pursuant to <I>Section 7.1.4(b)</I>, and (b)
at any time prior to the date that is 12 months after the Termination Date, ChoiceOne or any of its Affiliates consummates a ChoiceOne
Takeover Proposal or enters into any definitive agreement providing for a ChoiceOne Takeover Proposal and subsequently consummates
such ChoiceOne Takeover Proposal (<I>provided</I> that, for purposes of this <I>Section 7.2.1.2</I>, the references to &quot;25%&quot;
in the definition of &quot;ChoiceOne Takeover Proposal&quot; will be deemed to be references to &quot;50%&quot;), then ChoiceOne
will pay, or cause to be paid, to CBC cash in an amount equal to the ChoiceOne Termination Fee;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a) this Plan of Merger is terminated by CBC pursuant to <I>Section 7.1.3</I>, (b) any Person
will have made (whether or not subsequently withdrawn) a ChoiceOne Takeover Proposal prior to the Termination Date, and (c) at
any time prior to the date that is 12 months after the Termination Date, ChoiceOne or any of its Affiliates consummates a ChoiceOne
Takeover Proposal or enters into any definitive agreement providing for a ChoiceOne Takeover Proposal and subsequently consummates
such ChoiceOne Takeover Proposal (<I>provided</I> that, for purposes of this <I>Section 7.2.1.3</I>, the references to &quot;25%&quot;
in the definition of &quot;ChoiceOne Takeover Proposal&quot; will be deemed to be references to &quot;50%&quot;), then ChoiceOne
will pay, or cause to be paid, to CBC cash in an amount equal to the ChoiceOne Termination Fee;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">this Plan of Merger is terminated by ChoiceOne pursuant to <I>Section 7.1.10</I>, then ChoiceOne
will pay, or cause to be paid, to CBC, prior to or contemporaneously with such termination, cash in an amount equal to the ChoiceOne
Termination Fee (and any purported termination pursuant to <I>Section 7.1.10</I> will be void and of no force or effect unless
ChoiceOne will have made such payment);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">this Plan of Merger is terminated by ChoiceOne pursuant to <I>Section 7.1.8</I> (or is terminated
by either party pursuant to <I>Section 7.1.4(a) </I>at a time when this Plan of Merger was terminable pursuant to <I>Section 7.1.8</I>),
CBC will pay, or cause to be paid, to ChoiceOne cash in an amount equal to $3,591,000 (the &quot;<B><I>CBC Termination Fee</I></B>&quot;);</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">this Plan of Merger is terminated by ChoiceOne pursuant to <I>Section 7.1.6</I> or by CBC
or ChoiceOne pursuant to <I>Section 7.1.4(a)</I>; and if (a) any Person will have made (whether or not subsequently withdrawn)
a CBC Takeover Proposal prior to (i) the date that this Plan of Merger is terminated in the case of a termination pursuant to
<I>Section 7.1.6</I> or (ii) the CBC Shareholder Meeting in the case of a termination pursuant to <I>Section 7.1.4(a)</I>, and
(b) at any time prior to the date that is 12 months after the Termination Date, CBC or any of its Affiliates consummates a CBC
Takeover Proposal or enters into any definitive agreement providing for a CBC Takeover Proposal and subsequently consummates such
CBC Takeover Proposal (<I>provided</I> that, for purposes of this <I>Section 7.2.1.6</I>, the references to &quot;25%&quot; in
the definition of &quot;CBC Takeover Proposal&quot; will be deemed to be references to &quot;50%&quot;), then CBC will pay, or
cause to be paid, to ChoiceOne cash in an amount equal to the CBC Termination Fee;</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.7</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">(a) this Plan of Merger is terminated by ChoiceOne pursuant to <I>Section 7.1.3</I>, (b)
any Person will have made (whether or not subsequently withdrawn) a CBC Takeover Proposal prior to the Termination Date, and (c)
at any time prior to the date that is 12 months after the Termination Date, CBC or any of its Affiliates consummates a CBC Takeover
Proposal or enters into any definitive agreement providing for a CBC Takeover Proposal and subsequently consummates such CBC Takeover
Proposal (<I>provided</I> that, for purposes of this <I>Section 7.2.1.7</I>, the references to &quot;25%&quot; in the definition
of &quot;CBC Takeover Proposal&quot; will be deemed to be references to &quot;50%&quot;), and such ChoiceOne Takeover Proposal
is subsequently consummated, then CBC will pay, or cause to be paid, to ChoiceOne cash in an amount equal to the CBC Termination
Fee; or</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 2in"><FONT STYLE="font-size: 10pt">7.2.1.8</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">this Plan of Merger is terminated by CBC pursuant to <I>Section 7.1.9</I>, then CBC will
pay, or cause to be paid, to ChoiceOne, prior to or contemporaneously with such termination, cash in an amount equal to the CBC
Termination Fee (and any purported termination pursuant to <I>Section 7.1.9</I> will be void and of no force or effect unless
CBC will have made such payment).</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt"></FONT></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Each of the parties hereto acknowledge and agree that the agreements contained in this <I>Section
7.2</I> are an integral part of the transactions contemplated by this Plan of Merger, and that without these agreements, the other
party would not enter into this Plan of Merger. Accordingly, (a) if ChoiceOne fails to pay the amounts due pursuant to this <I>Section
7.2</I> and, in order to obtain such payment, CBC commences a suit that results in a judgment against ChoiceOne for the ChoiceOne
Termination Fee, then ChoiceOne will pay CBC its costs and expenses (including reasonable attorneys' fees and expenses) in connection
with such suit, together with interest on the amount of the ChoiceOne Termination Fee, from the date such payment was required
to be made until the date of payment at the prime rate published in the <I>Wall Street Journal</I> on the date such payment was
required to be made and (b) if CBC fails to pay the amount due pursuant to this <I>Section 7.2</I> and, in order to obtain such
payment, ChoiceOne commences a suit that results in a judgment against CBC for the CBC Termination Fee, then CBC will pay ChoiceOne
its costs and expenses (including reasonable attorneys' fees and expenses) in connection with such suit, together with interest
on the amount of the CBC Termination Fee, from the date such payment was required to be made until the date of payment at the
prime rate published in the <I>Wall Street Journal</I> on the date such payment was required to be made.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.2.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">On any termination of this Plan of Merger pursuant to <I>Section 7.1</I>, this Plan of Merger
will terminate and forthwith become void and have no further force or effect (except for the provisions of <I>Sections 5.8</I>,
<I>5.9.4</I>, <I>5.13</I>, <I>5.17</I>, <I>7.2</I> and <I>Article IX</I>), and, subject to the payment of any amounts owing pursuant
to this <I>Section 7.2</I>, there will be no other liability on the part of CBC or ChoiceOne to the other. Notwithstanding anything
in this Plan of Merger to the contrary, no party hereto will be relieved or released from any liability or damages arising from
a willful or intentional breach of any provision of this Plan of Merger or fraud, and the aggrieved party will be entitled to
all rights and remedies available at law or in equity.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.2.4</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The ChoiceOne Termination Fee will be paid in the aggregate to CBC by or at the direction
of CBC in immediately available funds in the case of <I>Section 7.2.1.1</I>, <I>7.2.1.2</I> or <I>7.2.1.3</I>, upon the occurrence
of the event giving rise to the obligation to make such payment.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.2.5</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The CBC Termination Fee will be paid in the aggregate to ChoiceOne by or at the direction
of ChoiceOne in immediately available funds in the case of <I>Section 7.2.1.5</I>, <I>7.2.1.6</I> or <I>7.2.1.7</I>, upon the
occurrence of the event giving rise to the obligation to make such payment.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">7.2.6</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">For the avoidance of doubt, (a) in no event will ChoiceOne be required to pay the ChoiceOne
Termination Fee on more than one occasion; and (b) in no event will CBC be required to pay the CBC Termination Fee on more than
one occasion.</FONT></P>

<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
VIII<BR>
CERTAIN DEFINITIONS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in">8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
used in this Plan of Merger, the following terms will have the meanings assigned to them in this <I>Section 8.1</I>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Action</I></B>&quot;
means (a)&nbsp;any litigation, claim, action, suit, hearing, proceeding or arbitration, (b)&nbsp;any investigation by a Governmental
Entity or (c)&nbsp;any demand or notice of violation by a Governmental Entity (in the case of clauses (a), (b) and (c), whether
civil, criminal, administrative, labor or investigative).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Affiliate</I></B>&quot;
means, with respect to a Person, any other Person that, directly or indirectly, through one or more intermediaries, controls,
is controlled by or is under common control with, such Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Bank
Holding Company Act</I></B>&quot; means the Bank Holding Company Act of 1956, as amended, and any rules or regulations promulgated
thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Book-Entry
Shares</I></B>&quot; means shares of CBC Common Stock represented by book-entry immediately prior to the Effective Time (other
than Excluded Shares).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Business
Day</I></B>&quot; means a day other than a Saturday, Sunday or other day on which the OTC Pink marketplace is closed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC Benefit
Plan</I></B>&quot; means, other than any Multiemployer Plan, (a)&nbsp;any &quot;employee benefit plan&quot; within the meaning
of Section 3(3) of ERISA, and (b)&nbsp;any deferred compensation, retirement, defined contribution, defined benefit, pension,
profit sharing, employee welfare, fringe benefit, flexible spending account, stock purchase, stock option, stock ownership, phantom
stock, stock appreciation rights, restricted stock, restricted stock units, severance, separation, employment, change in control,
vacation pay, leave of absence, layoff, salary continuation, sick leave, excess benefit, bonus or other incentive compensation,
day or dependent care, legal services, cafeteria, health, life, accident, disability, workers' compensation or other insurance,
or other employee benefit plan, or contract, program, or practice, whether written or oral, for the benefit of CBC's current or
former officers, employees, independent contractors, or directors, in each case either (i)&nbsp;existing at the Closing Date and
sponsored, maintained, or contributed to by CBC or any of its Subsidiaries, or (ii)&nbsp;existing at the Closing Date or prior
thereto, in respect of which CBC or any of its Subsidiaries has any Liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC Board
of Directors</I></B>&quot; means the board of directors of CBC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC Material
Adverse Effect</I></B>&quot; means a Material Adverse Effect with respect to CBC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC-Related
Person</I></B>&quot; means any shareholder owning five percent or more of the issued and outstanding CBC Common Stock, any director
or executive officer of CBC or any CBC Subsidiary, their spouses and children, any Affiliate of or member of the same household
as such persons, and any Person of which such persons, alone or together, have control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC Retirement
Plans</I></B>&quot; means the Lakestone Bank 401(k) Plan and the Lakestone Bank Profit Sharing Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC Shareholders</I></B>&quot;
means holders of shares of CBC Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>CBC Site</I></B>&quot;
means a Site with respect to CBC or any CBC Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Certificates</I></B>&quot;
means outstanding certificates that immediately prior to the Effective Time represented shares of CBC Common Stock (other than
Excluded Shares).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Benefit Plan</I></B>&quot; means (a)&nbsp;any &quot;employee benefit plan&quot; within the meaning of Section 3(3) of ERISA, (b)&nbsp;any
ChoiceOne Stock Plan, and (c)&nbsp;any deferred compensation, retirement, defined contribution, defined benefit, pension, profit
sharing, employee welfare, fringe benefit, flexible spending account, stock purchase, stock option, stock ownership, phantom stock,
stock appreciation rights, restricted stock, restricted stock units, severance, separation, employment, change in control, vacation
pay, leave of absence, layoff, salary continuation, sick leave, excess benefit, bonus or other incentive compensation, day or
dependent care, legal services, cafeteria, health, life, accident, disability, workers' compensation or other insurance, or other
employee benefit plan, or contract, program, or practice, whether written or oral, for the benefit of ChoiceOne's current or former
officers, employees, independent contractors, or directors, in each case either (i)&nbsp;existing at the Closing Date and sponsored,
maintained, or contributed to by ChoiceOne or any of its Subsidiaries, or (ii)&nbsp;existing at the Closing Date or prior thereto,
in respect of which ChoiceOne or any of its Subsidiaries has any Liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Board of Directors</I></B>&quot; means the board of directors of ChoiceOne.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Material Adverse Effect</I></B>&quot; means a Material Adverse Effect with respect to ChoiceOne.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne-Related
Person</I></B>&quot; means any shareholder owning five percent or more of the issued and outstanding ChoiceOne Common Stock, any
director or executive officer of ChoiceOne or any ChoiceOne Subsidiary, their spouses and children, any Affiliate of or member
of the same household as such persons, and any Person of which such persons, alone or together, have control.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Restricted Stock</I></B>&quot; means any award of ChoiceOne Common Stock that is subject to restrictions based on performance
or continuing service and granted under any ChoiceOne Stock Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Shareholders</I></B>&quot; means holders of shares of ChoiceOne Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Site</I></B>&quot; means a Site with respect to ChoiceOne or any ChoiceOne Subsidiary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Stock Option</I></B>&quot; means any grant of an option to purchase a share or shares of ChoiceOne Common Stock under any ChoiceOne
Stock Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ChoiceOne
Stock Plans</I></B>&quot; means the ChoiceOne Financial Services, Inc. Stock Incentive Plan of 2012; the ChoiceOne Financial Services,
Inc. Amended and Restated Employee Stock Purchase Plan; and the ChoiceOne Financial Services, Inc. Directors Stock Purchase Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Collective
Bargaining Agreement</I></B>&quot; means any Contract that has been entered into with any labor organization, union, works council,
employee representative or association.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Commercially
Reasonable Efforts</I></B>&quot; means the reasonable efforts that a reasonably prudent Person would use in similar circumstances
to achieve such results as expeditiously as possible, provided that such Person is not required to expend funds or assume liability,
debt, obligation, loss, damage, claim, cost or expenses (including reasonable attorneys' fees), interest, penalties, amounts paid
in settlement, Taxes, fines, judgements or assessments beyond those that are reasonable in nature and amount in the context of
the transactions contemplated by this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Contract</I></B>&quot;
means any agreement, contract, commitment, arrangement, memorandum of understanding, side letter, understanding, contractual obligation
or other instrument of a contractual nature, whether written or oral.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>DPC Shares</I></B>&quot;
means shares of CBC Common Stock held by ChoiceOne or CBC or any of their respective Subsidiaries in respect of a debt previously
contracted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Environmental
Claim</I></B>&quot; means any and all administrative or judicial actions, suits, orders, claims, liens, notices, notices of violations,
investigations, complaints, requests for information, proceedings, or other communication (written or oral), whether criminal
or civil, pursuant to or relating to any applicable Environmental Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Environmental
Law</I></B>&quot; means any and all Laws, Environmental Permits, or binding agreements with any Governmental Entity, relating
to the protection of health and the environment, or governing the handling, use, generation, treatment, storage, transportation,
disposal, manufacture, distribution, formulation, packaging, labeling, or Release of or exposure to Hazardous Materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Environmental
Permit</I></B>&quot; means any Permit required or issued by any Governmental Entity under or in connection with any Environmental
Law, including without limitation, any and all orders, consent orders or binding agreements issued by or entered into with a Governmental
Entity under any applicable Environmental Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ERISA</I></B>&quot;
means the Employee Retirement Income Security Act of 1974, as amended, and the rules and regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>ERISA
Affiliate</I></B>&quot; means, with respect to CBC or ChoiceOne, as applicable, any Person who is, or at any time was, a member
of a controlled group (within the meaning of Section 414(n)(6)(B) of the Code) that includes, or at any time included, CBC or
ChoiceOne, as applicable, or any Affiliate of CBC or ChoiceOne, as applicable, or any predecessor of any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&quot;<B><I>Exchange Act</I></B>&quot;
means the Securities Exchange Act of 1934, as amended, and any rules or regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>FDI Act</I></B>&quot;
means the Federal Deposit Insurance Act of 1950, as amended, and any rules or regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-align: justify; text-indent: 0.5in">&quot;<B><I>FDIC</I></B>&quot;
means the Federal Deposit Insurance Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Federal
Reserve Board</I></B>&quot; means the Board of Governors of the Federal Reserve System or its delegees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>FHLB</I></B>&quot;
means the Federal Home Loan Bank of Indianapolis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>GAAP</I></B>&quot;
means United States generally accepted accounting principles, consistently applied by the parties hereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Governmental
Entity</I></B>&quot; means any entity or body exercising executive, legislative, judicial, regulatory or administrative functions
of or pertaining to United States federal, state or local government or other non-United States international, multinational or
other government, including any department, commission, board, agency, instrumentality, political subdivision, bureau, official
or other regulatory, administrative or judicial authority thereof and any self-regulatory organization.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Hazardous
Material</I></B>&quot; means petroleum, petroleum hydrocarbons or petroleum products, petroleum by-products, radioactive materials,
asbestos or asbestos-containing materials, gasoline, diesel fuel, pesticides, radon, urea formaldehyde, mold, lead or lead-containing
materials, polychlorinated biphenyls; and any other chemicals, materials, substances or wastes in any amount or concentration
which are regulated under or for which liability can be imposed under any Environmental Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Intellectual
Property</I></B>&quot; means all intellectual property and other similar proprietary rights in any jurisdiction worldwide, whether
registered or unregistered, including such rights in and to: (a) patents (including all reissues, divisions, provisionals, continuations
and continuations-in-part, re-examinations, renewals and extensions thereof), patent applications, patent disclosures or other
patent rights; (b) copyrights, design, design registration, and all registrations, applications for registration, and renewals
for any of the foregoing, and any &quot;moral&quot; rights; (c) trademarks, service marks, trade names, business names, logos,
trade dress, certification marks and other indicia of commercial source or origin together with all goodwill associated with the
foregoing, and all registrations, applications and renewals for any of the foregoing; (d) trade secrets and business, technical
and know-how information, databases, data collections and other confidential and proprietary information and all rights therein;
(e)&nbsp;software, including data files, source code, object code, application programming interfaces, architecture, files, records,
schematics, computerized databases and other software-related specifications and documentation; and (f)&nbsp;Internet domain name
registrations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Knowledge</I></B>&quot;
or any similar phrase means (a)&nbsp;with respect to CBC, the actual knowledge of the Persons set forth in the CBC Disclosure
Letter, and (b)&nbsp;with respect to ChoiceOne, the actual knowledge of the Persons set forth in the ChoiceOne Disclosure Letter,
in addition to, in each case, any knowledge that a person holding such position would have after reasonable inquiry.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Lakestone
Bank Supplemental Executive Retirement Plan</I></B>&quot; means the Supplemental Executive Retirement Plan entered into by Lakestone
Bank with each of Bruce Cady and Michael J. Burke, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Law</I></B>&quot;
means any foreign, federal or state statute, law, ordinance, rule, code, executive order, common law, injunction, judgment, decree,
Order or regulation of any Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Liability</I></B>&quot;
means all indebtedness, obligations and other liabilities and contingencies of a Person, whether absolute, accrued, contingent,
fixed or otherwise, or whether due or to become due.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Lien</I></B>&quot;
means, with respect to any property or asset, any mortgage, lien, pledge, security interest, hypothecation or other encumbrance
affecting such property or asset.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Material
Adverse Effect</I></B>&quot; means with respect to any Person, any event, occurrence, effect, circumstance, development, fact,
condition or change that (a) is, individually or in the aggregate, materially adverse to the business, properties, results of
operations, condition (financial or otherwise), assets, or liabilities of such Person and its Subsidiaries, taken as a whole,
or (b)&nbsp;prohibits or materially impairs the ability of such Person to </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">consummate the transactions contemplated
by this Plan of Merger on a timely basis; <I>provided</I>, <I>however</I>, that, for the purposes of clause (a), a Material Adverse
Effect will not include events, occurrences, effects, circumstances, developments, facts, conditions or changes arising out of,
relating to or resulting from (either alone or in combination): (i)&nbsp;changes in economic conditions, or changes in global,
national, or regional political or market conditions (including changes in prevailing interest or exchange rates), in either case
affecting the banking and financial services industry generally or the securities markets generally; (ii)&nbsp;any outbreak or
escalation of hostilities, war (whether or not declared) or military action or any act of terrorism, the occurrence of any natural
disaster, or occurrence of any man-made disaster of wide-spread consequences; (iii)&nbsp;general conditions in or changes generally
affecting the industry or geographic regions in which such Person or its Subsidiaries operate; (iv) changes in Laws (or interpretations
thereof); (v) changes in GAAP or other accounting standards (or interpretations thereof); (vi) compliance with the terms of, or
the taking of any action required by, this Plan of Merger; (vii) any failure by CBC or ChoiceOne, in and of itself, to meet any
internal or published industry analyst projections, forecasts, or estimates of revenue, earnings, or other financial or operating
metrics for any period (<I>provided</I>, <I>however</I>, that any event, occurrence, effect, circumstance, development, fact,
condition or change that caused or contributed to any such failure will not be excluded unless otherwise specifically excluded
by this definition); (viii)&nbsp;any decline in the market price, or change in trading volume, of CBC Common Stock or ChoiceOne
Common Stock, as applicable (<I>provided</I>, <I>however</I>, that any event, occurrence, effect, circumstance, development, fact,
condition or change that caused or contributed to any decline in market price, or change in trading volume, of CBC Common Stock
or ChoiceOne Common Stock, as applicable, will not be excluded unless otherwise specifically excluded by this definition); (ix)&nbsp;the
announcement or pendency of the Merger or any other transaction contemplated by this Plan of Merger, including its effect on customers,
vendors or employees; and (x)&nbsp;acts or omissions of (A)&nbsp;CBC prior to the Effective Time taken at the written request
of ChoiceOne or with the prior written consent of ChoiceOne or (B)&nbsp;ChoiceOne prior to the Effective Time taken at the written
request of CBC or with the prior written consent of CBC, in each case, in connection with the transactions contemplated by this
Plan of Merger or applicable Law; <I>provided</I>, <I>further</I>, that any event, occurrence, effect, circumstance, development,
fact, condition or change referred to in clauses (i), (ii), (iii), (iv) and (v) immediately above will be taken into account in
determining whether a Material Adverse Effect has occurred or would reasonably be expected to occur to the extent that such event,
occurrence, effect, circumstance, development, fact, condition or change has a disproportionate effect on such Person and its
Subsidiaries, taken as a whole, compared to other community banking organizations in Michigan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Michigan
Banking Code</I></B>&quot; means the Michigan Banking Code of 1999, as amended, and any rules or regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Multiemployer
Plan</I></B>&quot; means a multiemployer plan within the meaning of Section 3(37) of ERISA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>NLRB</I></B>&quot;
means the National Labor Relations Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Order</I></B>&quot;
means any award, injunction, judgment, decree, order, ruling or verdict or other similar decision issued, promulgated or entered
by or with any Governmental Entity of competent jurisdiction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Permit</I></B>&quot;
means any grant, exemption, declaration, registration, filing, order, authorization, approval, consent, exception, accreditation,
certificate, license, permit or franchise of, from or required by any Governmental Entity of competent jurisdiction or pursuant
to any Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Permitted
Liens</I></B>&quot; means with respect to any Person, (a)&nbsp;Liens for Taxes that are not yet due and payable or that may hereafter
be paid without material penalty or that are being contested in good faith for which adequate accruals or reserves have been established
on the books and records of such Person, (b)&nbsp;statutory Liens of landlords and workers', carriers' and mechanics' or other
like Liens incurred in the ordinary course of business for amounts that are not yet due and payable or that are being contested
in good faith for which adequate accruals or reserves have been established on the books and records of such Person, (c)&nbsp;Liens
and encroachments which do not materially interfere with the present use of the properties or assets they affect, (d)&nbsp;Liens
that will be released prior to or as of the Closing, (e)&nbsp;Liens <FONT STYLE="background-color: white">that are disclosed on
the most recent consolidated balance sheet of such Person or notes thereto securing liabilities reflected on such balance sheet,
(f)&nbsp;Liens that were incurred in the ordinary course of business since the date of the most recent consolidated balance sheet
of such Person, (g)&nbsp;Liens set forth on the CBC Disclosure Letter or the ChoiceOne Disclosure Letter, and (h)&nbsp;with respect
to real property, whether owned or </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify"><FONT STYLE="background-color: white">leased, any Lien that has not had and would not reasonably be expected to have, individually
or in the aggregate, a CBC Material Adverse Effect or a ChoiceOne Material Adverse Effect, as applicable</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Person</I></B>&quot;
means an individual, a corporation, a partnership, a limited liability company, a trust, an unincorporated association, a Governmental
Entity or any other entity or body.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Regulation
O</I></B>&quot; means Regulation O of the Federal Reserve Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Release</I></B>&quot;
means any spilling, leaking, pumping, pouring, emitting, emptying, discharging, injecting, escaping, migrating, leaching, dumping
or disposing of a Hazardous Material.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Representatives</I></B>&quot;
means, with respect to any Person, the respective officers, directors, managers, members, employees, consultants, accountants,
brokers, financial advisors, legal counsel, agents, advisors, Affiliates and other representatives of that Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>SEC</I></B>&quot;
means the United States Securities and Exchange Commission.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Securities
Act</I></B>&quot; means the Securities Act of 1933, as amended, and any rules or regulations promulgated thereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Site</I></B>&quot;
means, with respect to any Person, any real properties (in each case, including all soil, subsoil, surface waters and groundwater
thereat) currently or previously owned, leased or operated by: (a)&nbsp;such Person or any of its Subsidiaries; (b)&nbsp;any predecessors
of such Person or any of its Subsidiaries; or (c)&nbsp;any entities previously owned by such Person or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Subsidiary</I></B>&quot;
means, with respect to any Person, any corporation, limited liability company, partnership, joint venture or other legal entity
of which such Person (either alone or through or together with any other Subsidiary), owns, directly or indirectly, more than
50% of the stock or other equity interests, the holders of which are generally entitled to vote for the election of the board
of directors or other governing body of a non-corporate Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Tax</I></B>&quot;
or &quot;<B><I>Taxes</I></B>&quot; means any and all federal, state, local, or foreign net or gross income, gross receipts, net
proceeds, sales, use, ad valorem, value added, franchise, withholding, payroll, employment, excise, property, abandoned property,
escheat, deed, stamp, alternative or add-on minimum, environmental, profits, windfall profits, transaction, license, lease, service,
service use, occupation, severance, energy, transfer, real property transfer, recording, documentary, stamp, registration, unemployment,
social security, workers' compensation, capital, premium, and other governmental taxes, assessments, customs, duties or levies,
whether disputed or not, together with any interest, penalties, additions to tax, or additional amounts with respect thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Tax Returns</I></B>&quot;
means any return, declaration, report, claim for refund, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, filed or required to be filed with any Governmental Entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Transaction
Documents</I></B>&quot; means (a) the Joint Proxy Statement, (b) the Registration Statement, (c) any other documents to be filed
with the SEC, and (d) any amendment or supplement thereto.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>Trust
Account Shares</I></B>&quot; means shares of CBC Common Stock held directly or indirectly in trust accounts, managed or custodial
accounts and the like or otherwise held in a fiduciary capacity for the benefit of third parties including all shares of CBC Common
Stock held in connection with the CBC Retirement&nbsp;Plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&quot;<B><I>WARN
Act</I></B>&quot; means the Worker Adjustment and Retraining Notification Act of 1988, and any similar foreign, state or local
Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Plan of Merger, except as otherwise expressly provided herein or unless the context otherwise requires: (a)&nbsp;the
meaning assigned to each term defined herein will be equally applicable to both the singular and the plural forms of such term
and vice versa, and words denoting any gender will </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify">include all genders as the context requires; (b)&nbsp;where a word or phrase
is defined herein, each of its other grammatical forms will have a corresponding meaning; (c)&nbsp;the terms &quot;hereof&quot;,
&quot;herein&quot;, &quot;hereunder&quot;, &quot;hereby&quot; and &quot;herewith&quot; and words of similar import will, unless
otherwise stated, be construed to refer to this Plan of Merger as a whole and not to any particular provision of this Plan of
Merger; (d)&nbsp;when a reference is made in this Plan of Merger to an Article, Section, paragraph, Exhibit or Schedule without
reference to a document, such reference is to an Article, Section, paragraph, Exhibit or Schedule to this Plan of Merger; (e)&nbsp;a
reference to a subsection&nbsp;without further reference to a Section&nbsp;is a reference to such subsection as contained in the
same Section in which the reference appears, and this rule will also apply to paragraphs and other subdivisions; (f)&nbsp;the
word &quot;include&quot;, &quot;includes&quot; or &quot;including&quot; when used in this Plan of Merger will be deemed to include
the words &quot;without limitation&quot;, unless otherwise specified; (g)&nbsp;a reference to any party to this Plan of Merger
or any other agreement or document will include such party's predecessors, successors and permitted assigns; (h) a reference to
any Law means such Law as amended, modified, codified, replaced or reenacted, and all rules and regulations promulgated thereunder;
(i)&nbsp;all accounting terms used and not defined herein have the respective meanings given to them under GAAP; and (j)&nbsp;any
references in this Plan of Merger to &quot;dollars&quot; or &quot;$&quot; will be to U.S. dollars.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 1in">&nbsp;8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following terms are defined on the following pages of this Plan of Merger:</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Acceptable
    CBC Confidentiality Agreement</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 0pt">A-43</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Acceptable
    ChoiceOne Confidentiality Agreement</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 0pt">A-46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ALLL Policy Statement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Acquisition
    Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Adverse Recommendation
    Change</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-44</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Board Recommendation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Call Reports</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Common Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Designees</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Disclosure
    Letter</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Investment
    Banker</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-17</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Material Contract</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-13</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Shareholder
    Approval</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Shareholder
    Meeting</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Subsidiaries</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-7</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Subsidiary</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-7</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Superior Proposal</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-45</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Takeover Proposal</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-45</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC Termination
    Fee</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC-Owned Intellectual
    Property</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-12</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">CBC's Financial
    Statements</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-8</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Certificate of
    Merger</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Acquisition
    Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Adverse
    Recommendation Change</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-46</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Bank</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Board
    Recommendation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Call
    Reports</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-23</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Common
    Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Designees</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Disclosure
    Letter</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Investment
    Banker</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-32</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Material
    Contract</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-27</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Preferred
    Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne SEC
    Reports</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-34</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Share-Based
    Awards</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Shareholder
    Approval</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Shareholder
    Meeting</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt"></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt; width: 90%">ChoiceOne Subsidiaries</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; width: 10%">A-20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Subsidiary</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-20</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Superior
    Proposal</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Takeover
    Proposal</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-47</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne Termination
    Fee</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-62</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne-Owned
    Intellectual Property</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-26</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">ChoiceOne's Financial
    Statements</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-22</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Closing</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Closing Date</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Code</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Confidentiality
    Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-52</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Constituent Corporation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Designation Period</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Dissenting Shares</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-6</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Effective Time</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-2</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt; width: 90%">End Date</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; width: 10%">A-60</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Exchange Agent</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Exchange Fund</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-3</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 90%; text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Exchange
    Ratio</TD>
    <TD STYLE="width: 10%; text-align: right; padding-top: 0in; padding-bottom: 0pt">A-3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Excluded Shares</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Increase in Common
    Stock</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Indemnified Party</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-52</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Intended Tax Treatment</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-53</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Joint Proxy Statement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Lakestone Bank</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-50</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">MBCA</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Merger</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Merger Consideration</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-3</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Plan of Merger</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Pre-Merger Special
    Dividend</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-53</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Registration Statement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-48</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Regulatory Agreement</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-10</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Surviving Corporation</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-1</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Takeover Laws</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-19</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="text-align: left; text-indent: -12pt; padding-top: 0in; padding-bottom: 0pt; padding-left: 12pt">Termination Date</TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt">A-60</TD></TR>
</TABLE>
<P STYLE="font: bold 10pt/12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; text-indent: 0in">ARTICLE
IX<BR>
MISCELLANEOUS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.1</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>No Third-Party Beneficiaries</I>. </FONT>This Plan of Merger will not confer any rights
or remedies upon any Person other than the parties hereto and their respective successors and permitted assigns, other than <I>Section
5.10 </I>(which will be for the benefit of the Persons set forth therein, and any such Person will have the rights provided for
therein) and <I>Article II</I> (which will be for the benefit of the holders of CBC Common Stock after the Effective Time, whether
represented by Certificates or Book-Entry Shares).</P>

<P STYLE="font: italic 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.2</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Specific Performance.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">9.2.1</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The parties agree that irreparable damage to CBC or ChoiceOne, as applicable, would occur
in the event that any of the provisions of this Plan of Merger were not performed in accordance with their specific terms or were
otherwise breached and that any breach of this Plan of Merger could not be adequately compensated in all cases by monetary damages
alone. The parties acknowledge and agree that, prior to the valid termination of this Plan of Merger pursuant to <I>Section 7.1</I>,
(a)&nbsp;CBC will be entitled to seek an injunction, specific performance and other equitable relief to prevent breaches of this
Plan of Merger by ChoiceOne or to enforce specifically the terms and provisions of this Plan of Merger and (b)&nbsp;ChoiceOne
will be entitled to seek an injunction, specific performance and other equitable relief to prevent breaches of this Plan of Merger
by CBC or to enforce specifically the terms and provisions of this Plan of Merger.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">9.2.2</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">The parties hereby agree not to raise any objections to the availability of the equitable
remedy of specific performance to prevent or restrain breaches of this Plan of Merger by CBC or ChoiceOne, as applicable, and
to specifically enforce the terms and provisions of this Plan of Merger to prevent breaches or threatened breaches of, or to enforce
compliance with, the respective covenants and obligations of CBC and ChoiceOne, as applicable, under this Plan of Merger, all
in accordance with the terms of this <I>Section 9.2</I>.</FONT></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1.5in"><FONT STYLE="font-size: 10pt">9.2.3</FONT><FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt">Neither CBC nor ChoiceOne, as applicable, will be required to provide any bond or other security
in connection with seeking an injunction, specific performance or other equitable relief, all in accordance with the terms of
this <I>Section 9.2</I>.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.3</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Entire Agreement</I>. </FONT>This Plan of Merger (including the exhibits and the schedules
hereto), together with the Confidentiality Agreement, constitutes the entire agreement among the parties hereto and supersedes
any prior understandings, agreements or representations by or among the parties hereto, written or oral, to the extent they are
related in any way to the subject matter of this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.4</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Succession and Assignment</I>. </FONT>This Plan of Merger will be binding upon and inure
to the benefit of the parties named herein and their respective successors and permitted assigns. No party hereto may assign either
this Plan of Merger or any of its rights, interests or obligations hereunder without the prior written approval of, in the case
of assignment by CBC, ChoiceOne, and, in the case of assignment by ChoiceOne, CBC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.5</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Construction</I>. </FONT>The parties have participated jointly in the negotiation and
drafting of this Plan of Merger, and, in the event an ambiguity or question of intent or interpretation arises, this Plan of Merger
will be construed as if drafted jointly by the parties, and no presumption or burden of proof will arise favoring or disfavoring
any party by virtue of the authorship of any of the provisions of this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.6</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Exclusive Jurisdiction; Venue</I>. </FONT>Each of the parties to this Plan of Merger irrevocably
and unconditionally submits, for itself and its property, to the exclusive jurisdiction of the Circuit Courts of the State of
Michigan or any federal court of the United States of America sitting in the State of Michigan, and any appellate court from any
thereof, in any Action or proceeding arising out of or relating to this Plan of Merger or the transactions contemplated by this
Plan of Merger, or for recognition or enforcement of any judgment, and agrees that all claims in respect of any such Action or
proceeding will be heard and determined in such Michigan court or, to the extent permitted by Law, in such federal court. Venue
for any cause of action between the parties to this Plan of Merger will lie in any court with jurisdiction pursuant to this <I>Section
9.6</I> located in Lansing, Michigan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.7</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Waiver of Jury Trial</I>. </FONT>Each of the parties waives to the fullest extent permitted
by applicable Law any right it may have to a trial by jury with respect to any Action or proceeding directly or indirectly arising
out of, under or in connection with this Plan of Merger or the transactions contemplated by this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.8</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Notices</I>. </FONT>All notices, requests, demands, and other communications under this
Plan of Merger will be in writing and will be deemed to have been duly given and effective immediately if delivered or sent and
received by a fax transmission or electronic mail (if receipt by the intended recipient is confirmed by the same means, which
confirmation each party agrees to transmit reasonably promptly) a hand delivery, or a nationwide overnight delivery service (all
fees prepaid) to the following addresses:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; font: 12pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt"><B>If
to CBC:</B></FONT><BR>
<FONT STYLE="font-size: 10pt">County Bank Corp.</FONT><BR>
<FONT STYLE="font-size: 10pt">Attention: Bruce J. Cady</FONT><BR>
<FONT STYLE="font-size: 10pt">P.O. Box 250</FONT><BR>
<FONT STYLE="font-size: 10pt">Lapeer, MI 48446</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">Facsimile: (810) 538-3500</FONT><BR>
<FONT STYLE="font-size: 10pt">Telephone: (810) 245-2901</FONT><BR>
<FONT STYLE="font-size: 10pt">Email: BCady@lakestonebank.com</FONT><BR></TD>
    <TD STYLE="width: 51%; font: 12pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt"><B>With
a copy to:</B></FONT><BR>
<FONT STYLE="font-size: 10pt">Hunton Andrews Kurth LLP</FONT><BR>
<FONT STYLE="font-size: 10pt">Attention: Peter Weinstock</FONT><BR>
<FONT STYLE="font-size: 10pt">1445 Ross Avenue, Suite 3700</FONT><BR>
<FONT STYLE="font-size: 10pt">Dallas, TX&nbsp;&nbsp;75202</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">Facsimile:&nbsp;&nbsp;(214) 880-0011</FONT><BR>
<FONT STYLE="font-size: 10pt">Telephone: (214) 468-3395</FONT><BR>
<FONT STYLE="font-size: 10pt">Email: pweinstock@HuntonAK.com</FONT><BR></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"></P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; font: 12pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt"><B>If
to ChoiceOne:</B></FONT><BR>
<FONT STYLE="font-size: 10pt">ChoiceOne Financial Services, Inc.</FONT><BR>
<FONT STYLE="font-size: 10pt">Attention: Kelly J. Potes</FONT><BR>
<FONT STYLE="font-size: 10pt">109 East Division Street</FONT><BR>
<FONT STYLE="font-size: 10pt">Sparta, Michigan 49345</FONT><BR>
<BR>
<BR>
<FONT STYLE="font-size: 10pt">Facsimile: (616) 887-7990</FONT><BR>
<FONT STYLE="font-size: 10pt">Telephone: (616) 887-6837</FONT><BR>
<FONT STYLE="font-size: 10pt">Email: kpotes@choiceone.com</FONT></TD>
    <TD STYLE="width: 51%; font: 12pt Times New Roman, Times, Serif; text-align: justify"><FONT STYLE="font-size: 10pt"><B>With
a copy to:</B></FONT><BR>
<FONT STYLE="font-size: 10pt">Warner Norcross + Judd LLP</FONT><BR>
<FONT STYLE="font-size: 10pt">Attention:&nbsp;&nbsp;Jeffrey A. Ott</FONT><BR>
<FONT STYLE="font-size: 10pt">900 Fifth Third Center</FONT><BR>
<FONT STYLE="font-size: 10pt">111 Lyon Street, N.W.</FONT><BR>
<FONT STYLE="font-size: 10pt">Grand Rapids, MI&nbsp;&nbsp;49503-2487</FONT><BR>
<BR>
<FONT STYLE="font-size: 10pt">Facsimile:&nbsp;&nbsp;(616) 222-2170</FONT><BR>
<FONT STYLE="font-size: 10pt">Telephone:&nbsp;&nbsp;(616) 752-2170</FONT><BR>
<FONT STYLE="font-size: 10pt">Email:&nbsp;&nbsp;jott@wnj.com</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.9</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Governing Law</I>. </FONT>This Plan of Merger will be governed, construed, and enforced
accordance with the laws of the State of Michigan, without regard to principles of conflicts of laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.10</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Counterparts</I>. </FONT>This Plan of Merger may be executed in one or more counterparts,
which taken together will constitute one and the same instrument. Executed counterparts of this Plan of Merger will be deemed
to have been fully delivered and will become legally binding if and when executed signature pages are received by facsimile or
electronic mail transmission from a party. If so delivered by facsimile or electronic mail transmission, the parties agree to
promptly send original, manually executed copies by nationwide overnight delivery service.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.11</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Headings</I>. </FONT>The article headings and section headings contained in this Plan
of Merger are inserted for convenience only and will not affect in any way the meaning or interpretation of this Plan of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.12</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Calculation of Dates and Deadlines</I>. </FONT>Unless otherwise specified, any period
of time to be determined under this Plan of Merger will be deemed to commence at 12:01 a.m. on the first full day after the specified
starting date, event, or occurrence. Any deadline, due date, expiration date, or period-end to be calculated under this Plan of
Merger will be deemed to end at 5 p.m. on the last day of the specified period. The time of day will be determined with reference
to the then-current local time in Grand Rapids, Michigan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.13</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Severability</I>. </FONT>If any term, provision, covenant, or restriction contained in
this Plan of Merger is held by a final and unappealable Order of a court of competent jurisdiction to be invalid, void, or unenforceable,
then the remainder of the terms, provisions, covenants, and restrictions contained in this Plan of Merger will remain in full
force and effect, and will in no way be affected, impaired, or invalidated unless the effect would be to cause this Plan of Merger
to not achieve its essential purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.14</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Non-Survival of Representations, Warranties and Agreements</I>. </FONT>None of the representations,
warranties, covenants and other agreements in this Plan of Merger or in any instrument delivered pursuant to this Plan of Merger,
including any rights arising out of any breach of such representations, warranties, covenants and other agreements, will survive
the Effective Time, except for those covenants and agreements contained herein that by their terms apply or are to be performed
in whole or in part after the Effective Time, including but not limited to those contained in <I>Section 5.10</I>, <I>Section
5.20</I> and this <I>Article&nbsp;IX</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 1in"><FONT STYLE="font-size: 10pt; font-style: normal">9.15</FONT><FONT STYLE="font: normal 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="font-size: 10pt"><I>Amendments</I>. </FONT>This Plan of Merger may be amended by the parties hereto, by action
taken or authorized, in the case of CBC, by the CBC Board of Directors and, in the case of ChoiceOne, by the ChoiceOne Board of
Directors at any time before or after the receipt of the CBC Shareholder Approval or the ChoiceOne Shareholder Approval, but,
after receipt of any such shareholder approval, no amendment will be made which by Law or in accordance with the rules of any
relevant stock exchange requires further approval by the CBC Shareholders or the ChoiceOne Shareholders, as applicable, without
such further approval. This Plan of Merger may not be amended except by an instrument in writing signed on behalf of CBC and ChoiceOne.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center">[Signature page follows.]</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: justify; text-indent: 0.5in">IN WITNESS WHEREOF,
the undersigned parties have duly executed and acknowledged this Plan of Merger as of the date first written above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">COUNTY BANK CORP.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ Bruce J. Cady</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 4%; text-align: justify"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 55%; text-align: justify"><FONT STYLE="font-size: 10pt">Bruce J. Cady</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Its:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Chairman and Chief Executive Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">CHOICEONE FINANCIAL SERVICES, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: justify"><FONT STYLE="font-size: 10pt">/s/ Kelly J. Potes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 41%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 4%; text-align: justify"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="width: 55%; text-align: justify"><FONT STYLE="font-size: 10pt">Kelly J. Potes</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Its:</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 10pt">Chief Executive Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Tahoma, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

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<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="annexb"></A>ANNEX B</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The first paragraph of Article III of ChoiceOne
Financial Corporation's Restated Articles of Incorporation, as amended, is deleted in its entirety and replaced with the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in 0 0">&nbsp;</P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0.5in 10pt; text-align: justify">The total authorized capital
stock of the corporation is Twelve Million One Hundred Thousand (12,100,000) shares of stock divided into two classes, as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">A.</TD><TD STYLE="text-align: justify; padding-right: 0.5in">Twelve Million (12,000,000) shares of common stock, which shall be called
&quot;Common Stock.&quot;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">B.</TD><TD STYLE="text-align: justify; padding-right: 0.5in">One Hundred Thousand (100,000) shares of preferred stock, which shall be
called &quot;Preferred Stock.&quot;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="annexc"></A>ANNEX C</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Article VII of ChoiceOne Financial Corporation's
Restated Articles of Incorporation, as amended, is hereby amended as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><U>ARTICLE VII</U></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><U>DIRECTORS</U></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number
and Term of Directors</U>. <STRIKE>The corporation shall be managed by a Board of Directors who will initially be elected in accordance
with this Section. The number of directors shall not be less than nine (9) nor more than fifteen (15). Initially there shall be
eleven (11) directors. The exact number of directors may be increased or decreased from time to time by the Board of Directors,
pursuant to a resolution adopted by a majority of the entire Board of Directors. Effective on January 1, 1987, the members of the
Board must be shareholders of the corporation. The Board of Directors shall be divided into three (3) classes, with the term of
office of one class expiring each year. At the annual meeting of shareholders in 1986, four (4) directors of Class I shall be elected
to hold office for a term expiring at the 1987 annual meeting, four (4) directors of Class II shall be elected to hold office for
a term expiring at the 1988 annual meeting and three (3) directors of Class III shall be elected to hold office for a term expiring
at the 1989 annual meeting. Beginning with the annual meeting of shareholders in 1987, each class of directors whose term shall
then expire shall be elected to hold office for a three (3) year term and until the election and qualification of their respective
successors.</STRIKE> <B>The Board of Directors shall be divided into three classes, each as nearly equal in number as possible.
A number of directors equal to the number whose term expires at the time of the meeting shall be elected at each annual shareholder
meeting, except directors may be elected for shorter terms so that approximately one-third of the directors are elected each year.
Each director shall hold office until the third annual shareholder meeting following election of such director and until a successor
is elected and qualified.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nominations
of Director Candidates</U>.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nominations
of candidates for election as directors of the corporation at any meeting of shareholders called for election of directors (an
&quot;Election Meeting&quot;) may be made by the Board of Directors or by any shareholder entitled to vote at such Election Meeting.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nominations
made by the Board of Directors shall be made at a meeting of the Board of Directors, or by written consent of directors in lieu
of a meeting, not less than thirty (30) days prior to the date of the Election Meeting, and such nominations shall be reflected
in the minute books of the corporation as of the date made. At the request of the Secretary of the corporation, each proposed nominee
shall provide the corporation with such information concerning himself as is required under the rules of the Securities and Exchange
Commission to be included in the corporation's proxy statement soliciting proxies for such person's election as a director.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
shareholder who intends to make a nomination at an Election Meeting shall deliver, not less than one hundred twenty (120) days
prior to the date of notice of the Election Meeting in the case of an annual meeting, and not more than seven (7) days following
the date of notice of the meeting in the case of a special meeting, a notice to the Secretary of the corporation setting forth:
(a)&nbsp;the name, age, business address and residence address of each nominee proposed in such notice; (b)&nbsp;the principal
occupation or employment of each such nominee; (c)&nbsp;the number of shares of capital stock of the corporation which are beneficially
owned by each such nominee; (d)&nbsp;a statement that each such nominee is willing to be nominated and serve; and (e)&nbsp;such
other information concerning each such nominee as would be required under the rules of the Securities and Exchange Commission in
a proxy statement soliciting proxies for the election of such nominees.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify; text-indent: 0.5in">4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the chairman of the Election Meeting determines that a nomination was not made in accordance with the foregoing procedures, such
nomination shall be void.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vacancies</U>.
All vacancies in the membership of the Board shall be filled by appointment made by <STRIKE>a majority vote of </STRIKE>the remaining
directors <B>as set forth in the Bylaws</B>. <STRIKE>Any vacancy resulting from the removal of a director for cause shall be filled
solely by appointment made by a majority of the Continuing Directors as defined in Article IX. Each person so appointed to fill
a vacancy shall remain a director until the next election of the class for which that director shall have been chosen and until
that director's successor shall be elected by the shareholders.</STRIKE></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Removal
of Directors</U>. A director may be removed before the end of a term only for cause, except that the Bylaws may provide for mandatory
retirement from the Board of Directors at seventy (70) years of age or older. At any annual meeting of the shareholders, or at
a meeting of shareholders called expressly for the purpose, the notice of which shall state that the removal of a director or directors
is among the purposes of the meeting, the holders of a majority of the shares then entitled to vote at an election of directors,
present in person or by proxy, may remove such director or directors for cause. If the holders of the shares of any class are entitled
to elect one (1) or more directors by the provisions of these Restated Articles of Incorporation the provisions of this Section
shall apply only to the vote of the holders of that class of outstanding shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 1in">Except as may be provided
otherwise by law, cause for removal shall be construed to exist only if: (1) the director whose removal is proposed has been convicted
of a felony by a court of competent jurisdiction and such conviction is no longer subject to direct appeal; (2) such director has
been adjudicated by a court of competent jurisdiction to be liable for negligence or misconduct in the performance of such person's
duty to the corporation in a matter of substantial importance to the corporation and such adjudication is no longer subject to
a direct appeal; (3) such director has become mentally incompetent, whether or not so adjudicated, which mental incompetency directly
affects such person's ability as a director of the corporation; or (4) the director's actions or failure to act have been in derogation
of the director's duties, as provided in the Bylaws of the corporation or otherwise provided by law. Any proposal for removal pursuant
to (3) or (4) of this paragraph which is initiated by the Board of Directors for submission to the shareholders shall require the
affirmative vote of at least sixty-six and 2/3 percent (66-2/3%) of the total number of directors then in office, exclusive of
the director who is the subject of the removal action and who shall not be entitled to vote thereon.</P>

<P STYLE="font: 12pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="annexd"></A>ANNEX D</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: center"><B>Michigan Dissenters' Rights
Statute</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1761 Definitions.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-indent: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">Sec.
761. As used in sections 762 to 774:</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>&quot;Beneficial shareholder&quot; means the person who is a beneficial owner of shares held by a nominee as the record
shareholder.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>&quot;Corporation&quot; means the issuer of the shares held by a dissenter before the corporate action, or the surviving
corporation by merger of that issuer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>&quot;Dissenter&quot; means a shareholder who is entitled to dissent from corporate action under section 762 and who exercises
that right when and in the manner required by sections 764 through 772.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>&quot;Fair value&quot;, with respect to a dissenter's shares, means the value of the shares immediately before the effectuation
of the corporate action to which the dissenter objects, excluding any appreciation or depreciation in anticipation of the corporate
action unless exclusion would be inequitable.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(e)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>&quot;Interest&quot; means interest from the effective date of the corporate action until the date of payment, at the average
rate currently paid by the corporation on its principal bank loans or, if none, at a rate that is fair and equitable under all
the circumstances.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(f)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&quot;Record shareholder&quot; means the person in whose name shares are registered in the records of a corporation or the
beneficial owner of shares to the extent of the rights granted by a nominee certificate on file with a corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(g)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>&quot;Shareholder&quot; means the record or beneficial shareholder.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1762 Right of shareholder to dissent and obtain
payment for shares.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="letter-spacing: 0.05pt">Sec.
762. (1) A shareholder is entitled to dissent from, and obtain payment of the fair value of his, her, or </FONT>its shares in the
event of, any of the following corporate actions:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Consummation of a plan of merger to which the corporation is a party if any of the following are met:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: 0.25in">(i)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Shareholder approval is required for the merger under section 703a or 736(5) or the articles of incorporation and the shareholder
is entitled to vote on the merger.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: 0.25in">(ii)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;
</FONT>Shareholder approval would be required if section 703a(3) did not apply and the shareholder is a shareholder on the date
of the offer under section 703a(3).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: 0.25in">(iii)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;
</FONT>The corporation is a subsidiary that is merged with its parent under section 711.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Consummation of a plan of share exchange to which the corporation is a party as the corporation whose shares will be acquired,
if either of the following are met:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: 0.25in">(i)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The shareholder is entitled to vote on the plan.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt 0.25in; text-align: justify; text-indent: 0.25in">(ii)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;
</FONT>The shareholder would be entitled to vote on the plan if section 703a(3) did not apply and the shareholder is a shareholder
on the date of the offer under section 703a(3).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Consummation of a sale or exchange of all, or substantially all, of the property of the corporation other than in the usual
and regular course of business, if the shareholder is entitled to vote on the sale or exchange, including a sale in dissolution
but not including a sale pursuant to court order.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Consummation of a plan of conversion to which the corporation is a party as the corporation that is being converted, if
the shareholder is entitled to vote on the plan. However, any rights provided under this section are not available if that corporation
is converted into a foreign corporation and the shareholder receives shares that have terms as favorable to the shareholder in
all material respects, and represent at least the same percentage interest of the total voting rights of the outstanding shares
of the corporation, as the shares held by the shareholder before the conversion.</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(e)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>An amendment of the articles of incorporation that creates a right to dissent under section 621.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(f)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>A transaction that creates a right to dissent under section 754.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(g)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Any corporate action taken pursuant to a shareholder vote to the extent the articles of incorporation, bylaws, or a resolution
of the board provides that voting or nonvoting shareholders are entitled to dissent and obtain payment for their shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
otherwise provided in the articles of incorporation, bylaws, or a resolution of the board, a shareholder may not dissent from any
of the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Any corporate action set forth in subsection (1)(a) to (f) as to shares that are listed on a national securities exchange
on the record date fixed to vote on the corporate action or on the date the resolution of the parent corporation's board is adopted
in the case of a merger under section 711 that does not require a shareholder vote under section 713. For purposes of this subdivision,
&quot;national securities exchange&quot; includes the NASDAQ Global Select Market and the NASDAQ Global Market, but does not include
the NASDAQ Capital Market, formerly known as the NASDAQ SmallCap Market.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A transaction described in subsection (1)(a) in which shareholders receive cash, shares that satisfy the requirements of
subdivision (a) on the effective date of the merger, or any combination of cash and those shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A transaction described in subsection (1)(b) in which shareholders receive cash, shares that satisfy the requirements of
subdivision (a) on the effective date of the share exchange, or any combination of cash and those shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A transaction described in subsection (1)(c) that is conducted pursuant to a plan of dissolution that provides for distribution
of substantially all of the corporation's net assets to shareholders in accordance with their respective interests within 1 year
after the date of closing of the transaction, if the transaction is for cash, shares that satisfy the requirements of subdivision
(a) on the date of closing, or any combination of cash and those shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(e)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A transaction described in subsection (1)(d) in which shareholders receive cash, shares that satisfy the requirements of
subdivision (a) on the effective date of the conversion, or any combination of cash and those shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(3)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A shareholder that is entitled to dissent and obtain payment for shares under subsection (1)(a) to (f) may not challenge
the corporate action that creates that entitlement unless the action is unlawful or fraudulent with respect to the shareholder
or the corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(4)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A shareholder that exercises a right to dissent and seek payment for shares under subsection (1)(g) may not challenge the
corporate action that creates that entitlement unless the action is unlawful or fraudulent with respect to the shareholder or the
corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: -0.15in"><FONT STYLE="letter-spacing: 0.1pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><FONT STYLE="letter-spacing: 0.1pt"><B>450.1763
Rights of partial dissenter; assertion of dissenters' rights by beneficial shareholder.</B></FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 763.
(1) A record shareholder may assert dissenters' rights as to fewer than all the shares registered in his or her name only if he
or she dissents with respect to all shares beneficially owned by any 1 person and notifies the corporation in writing of the name
and address of each person on whose behalf he or she asserts dissenters' rights. The rights of a partial dissenter under this subsection
are determined as if the shares as to which he or she dissents and his or her other shares were registered in the names of different
shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
beneficial shareholder may assert dissenters' rights as to shares held on his or her behalf only if all of the following apply:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>He or she submits to the corporation the record shareholder's written consent to the dissent not later than the time the
beneficial shareholder asserts dissenters' rights.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>He or she does so with respect to all shares of which he or she is the beneficial shareholder or over which he or she has
power to direct the vote.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1764 Corporate action creating dissenters' rights;
vote of shareholders; notice.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 764.
(1) If a proposed corporate action that creates dissenters' rights under section 762 is submitted to a vote at a shareholders'
meeting, the meeting notice must state that shareholders are or may be entitled to assert dissenters' rights under this act and
be accompanied by a copy of sections 761 to 774.</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Except as provided in subsection (3), if a corporate action that creates dissenters' rights under section 762 is taken without
a vote of shareholders, the corporation shall notify in writing all shareholders that are entitled to assert dissenters' rights
that the action was taken and send them the dissenters' notice described in section 766. A shareholder that consents to the corporate
action is not entitled to assert dissenters' rights.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(3)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>If a corporate action creates dissenters' rights under section 762(1)(a)(<I>ii</I>) or (b)(<I>ii</I>), an offer made under
section 703a(3) must state that shareholders are or may be entitled to assert dissenters' rights under this act and be accompanied
by a copy of sections 761 to 774 and the dissenters' notice described in section 766.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1765 Notice of intent to
demand payment for shares.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 765.
(1) If a proposed corporate action that creates dissenters' rights under section 762 is submitted to a vote at a shareholders'
meeting, a shareholder that wishes to assert dissenters' rights must deliver to the corporation before the vote is taken written
notice of his, her, or its intent to demand payment for his, her, or its shares if the proposed action is effectuated and must
not vote his, her, or its shares in favor of the proposed action.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>If a corporate action creates dissenters' rights under section 762(1)(a)(<I>ii</I>) or (b)(<I>ii</I>), a shareholder that
wishes to assert dissenters' rights must deliver to the corporation before the shares are purchased pursuant to the offer written
notice of his, her, or its intent to demand payment for his, her, or its shares if the proposed action is taken and must not tender,
or cause or permit to be tendered, any shares in response to the offer.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(3)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A shareholder that does not satisfy the requirements of subsection (1) or (2), as applicable, is not entitled to payment
for his, her, or its shares under this act.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1766 Dissenters' notice; delivery to shareholders;
contents.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 766.
(1) If proposed corporate action creating dissenters' rights under section 762 is authorized at a shareholders' meeting, the corporation
shall deliver a written dissenters' notice to all shareholders who satisfied the requirements of section 765.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
dissenters' notice must be sent no later than 10 days after the corporate action was taken, and must provide all of the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>State where the payment demand must be sent and where and when certificates for shares represented by certificates must
be deposited.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Inform holders of shares without certificates to what extent transfer of the shares will be restricted after the payment
demand is received.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Supply a form for the payment demand that includes the date of the first announcement to news media or to shareholders of
the terms of the proposed corporate action and requires that the person asserting dissenters' rights certify whether he or she
acquired beneficial ownership of the shares before the date.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Set a date by which the corporation must receive the payment demand, which date may not be fewer than 30 nor more than 60
days after the date the subsection (1) notice is delivered.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1767 Duties of shareholder
sent dissenter's notice; retention of rights; failure to demand payment or deposit share certificates.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 767.
(1) A shareholder sent a dissenter's notice described in section 766 must demand payment, certify whether he or she acquired beneficial
ownership of the shares before the date required to be set forth in the dissenters' notice pursuant to section 766(2)(c), and deposit
his or her certificates in accordance with the terms of the notice.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The shareholder who demands payment and deposits his or her share certificates under subsection (1) retains all other rights
of a shareholder until these rights are canceled or modified by the taking of the proposed corporate action.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(3)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A shareholder who does not demand payment or deposit his or her share certificates where required, each by the date set
in the dissenters' notice, is not entitled to payment for his or her shares under this act.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt">&nbsp;</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1768 Restriction on transfer of shares without
certificates; retention of rights.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 768.
(1) The corporation may restrict the transfer of shares without certificates from the date the demand for their payment is received
until the proposed corporate action is taken or the restrictions released under section 770.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="letter-spacing: 0.05pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
person for whom dissenters' rights are asserted as to shares without certificates retains all other rights of a shareholder until
these rights are canceled or modified by the taking of the proposed corporate action.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1768a Repealed. 1989, Act 121, Eff. Oct. 1,
1989.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>450.1769 Payment by corporation to dissenter; accompanying
documents.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 769.
(1) Except as provided in section 771, within 7 days after the proposed corporate action is taken or a payment demand is received,
whichever occurs later, the corporation shall pay each dissenter who complied with section 767 the amount the corporation estimates
to be the fair value of his or her shares, plus accrued interest.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
payment must be accompanied by all of the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The corporation's balance sheet as of the end of a fiscal year ending not more than 16 months before the date of payment,
an income statement for that year, a statement of changes in shareholders' equity for that year, and if available the latest interim
financial statements.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A statement of the corporation's estimate of the fair value of the shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>An explanation of how the interest was calculated.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>A statement of the dissenter's right to demand payment under section 772.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1770 Return of deposited
certificates and release of transfer restrictions; effect of corporation taking proposed action.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 770.
(1) If the corporation does not take the proposed action within 60 days after the date set for demanding payment and depositing
share certificates, the corporation shall return the deposited certificates and release the transfer restrictions imposed on shares
without certificates.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
after returning deposited certificates and releasing transfer restrictions, the corporation takes the proposed action, it must
send a new dissenters' notice under section 766 and repeat the payment demand procedure.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1771 Election to withhold
payment from dissenter; offer to pay estimated fair value of shares, plus accrued interest; statements; explanation.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 771.
(1) A corporation may elect to withhold payment required by section 769 from a dissenter unless he or she was the beneficial owner
of the shares before the date set forth in the dissenters' notice pursuant to section 766(2)(c).</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="letter-spacing: -0.05pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the extent the corporation elects to withhold payment under subsection (1), after taking the proposed corporate action, it shall
estimate the fair value of the shares, plus accrued interest, and shall offer to pay this amount to each dissenter who shall agree
to accept it in full satisfaction of his or her demand. The corporation shall send with its offer a statement of its estimate of
the fair value of the shares, an explanation of how the interest was calculated, and a statement of the dissenter's right to demand
payment under section 772.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1772 Demand for payment
of dissenter's estimate or rejection of corporation's offer and demand for payment of fair value and interest due; waiver.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 772.
(1) A dissenter may notify the corporation in writing of his or her own estimate of the fair value of his or her shares and amount
of interest due, and demand payment of his or her estimate, less any payment under section </P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify">769, or reject the corporation's offer
under section 771 and demand payment of the fair value of his or her shares and interest due, if any 1 of the following applies:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The dissenter believes that the amount paid under section 769 or offered under section 771 is less than the fair value of
his or her shares or that the interest due is incorrectly calculated.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The corporation fails to make payment under section 769 within 60 days after the date set for demanding payment.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The corporation, having failed to take the proposed action, does not return the deposited certificates or release the transfer
restrictions imposed on shares without certificates within 60 days after the date set for demanding payment.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
dissenter waives his or her right to demand payment under this section unless he or she notifies the corporation of his or her
demand in writing under subsection (1) within 30 days after the corporation made or offered payment for his or her shares.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1773 Petitioning court
to determine fair value of shares and accrued interest; failure of corporation to commence proceeding; venue; parties; service;
jurisdiction; appraisers; discovery rights; judgment.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="letter-spacing: 0.1pt">Sec.
773. (1) If a demand for payment under section 772 remains unsettled, the corporation shall commence a proceeding within 60 days
after receiving the payment demand and petition the court to determine the fair value of the shares and accrued interest. If the
corporation does not commence the proceeding within the 60-day period, it shall pay each dissenter whose demand remains unsettled
the amount demanded.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>The corporation shall commence the proceeding in the circuit court of the county in which the corporation's principal place
of business or registered office is located. If the corporation is a foreign corporation without a registered office or principal
place of business in this state, it shall commence the proceeding in the county in this state where the principal place of business
or registered office of the domestic corporation whose shares are to be valued was located.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(3)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="letter-spacing: 0.05pt">The corporation shall make all dissenters, whether or not residents of this state,
whose demands remain unsettled parties to the proceeding as in an action against their shares and all parties shall be served with
a copy of the petition. Nonresidents may be served by registered or certified mail or by publication as provided by law.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(4)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="letter-spacing: -0.05pt">The jurisdiction of the court in which the proceeding is commenced under subsection
(2) is plenary and </FONT><FONT STYLE="letter-spacing: 0.05pt">exclusive. The court may appoint 1 or more persons as appraisers
to receive evidence and recommend decision on the question of fair value. The appraisers have the powers described in the order
appointing them, or in any amendment to it. The dissenters are entitled to the same discovery rights as parties in other civil
proceedings.</FONT></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(5)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Each dissenter made a party to the proceeding is entitled to judgment for the amount, if any, by which the court finds the
fair value of his or her shares, plus interest, exceeds the amount paid by the corporation or for the fair value, plus accrued
interest, of his or her after-acquired shares for which the corporation elected to withhold payment under section 771.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1773a Referee; appointment;
powers; compensation; duties; objections to report; application to court for action; adoption, modification, or recommitment of
report; further evidence; judgment; review.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 773a.
(1) In a proceeding brought pursuant to section 773, the court may, pursuant to the agreement of the parties, appoint a referee
selected by the parties and subject to the approval of the court. The referee may conduct proceedings within the state, or outside
the state by stipulation of the parties with the referee's consent, and pursuant to the Michigan court rules. The referee shall
have powers that include, but are not limited to, the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>To hear all pretrial motions and submit proposed orders to the court. In ruling on the pretrial motion and proposed orders,
the court shall consider only those documents, pleadings, and arguments that were presented to the referee.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>To require the production of evidence, including the production of all books, papers, documents, and writings applicable
to the proceeding, and to permit entry upon designated land or other property in the possession or control of the corporation.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>To rule upon the admissibility of evidence pursuant to the Michigan rules of evidence.</P>

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<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(d)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>To place witnesses under oath and to examine witnesses.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(e)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>To provide for the taking of testimony by deposition.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(f)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To regulate the course of the proceeding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(g)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>To issue subpoenas, when a written request is made by any of the parties, requiring the attendance and testimony of any
witness and the production of evidence including books, records, correspondence, and documents in the possession of the witness
or under his or her control, at a hearing before the referee or at a deposition convened pursuant to subdivision (e). In case of
a refusal to comply with a subpoena, the party on whose behalf the subpoena was issued may file a petition in the court for an
order requiring compliance.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
amount and manner of payment of the referee's compensation shall be determined by agreement between the referee and the parties,
subject to the court's allocation of compensation between the parties at the end of the proceeding pursuant to equitable principles,
notwithstanding section 774.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-indent: 0.25in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
referee shall do all of the following:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Make a record and reporter's transcript of the proceeding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Prepare a report, including proposed findings of fact and conclusions of law, and a recommended judgment.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(c)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>File the report with the court, together with all original exhibits and the reporter's transcript of the proceeding.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
the court provides for a longer period, not more than 45 days after being served with notice of the filing of the report described
in subsection (3), any party may serve written objections to the report upon the other party. Application to the court for action
upon the report and objections to the report shall be made by motion upon notice. The court, after hearing, may adopt the report,
may receive further evidence, may modify the report, or may recommit the report to the referee with instructions. Upon adoption
of the report, judgment shall be entered in the same manner as if the action had been tried by the court and shall be subject to
review in the same manner as any other judgment of the court.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify"><B>450.1774 Costs of appraisal
proceeding.</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">Sec. 774.
(1) The court in an appraisal proceeding commenced under section 773 shall determine all costs of the proceeding, including the
reasonable compensation and expenses of appraisers appointed by the court. The court shall assess the costs against the corporation,
except that the court may assess costs against all or some of the dissenters, in amounts the court finds equitable, to the extent
the court finds the dissenters acted arbitrarily, vexatiously, or not in good faith in demanding payment under section 772.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in"><FONT STYLE="letter-spacing: 0.1pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
court may also assess the fees and expenses of counsel and experts for the respective parties, in </FONT>amounts the court finds
equitable in the following manner:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(a)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Against the corporation and in favor of any or all dissenters if the court finds the corporation did not substantially comply
with the requirements of sections 764 through 772.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(b)<FONT STYLE="font: 7pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;
</FONT>Against either the corporation or a dissenter, in favor of any other party, if the court finds that the party against whom
the fees and expenses are assessed acted arbitrarily, vexatiously, or not in good faith with respect to the rights provided by
this act.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 5pt; text-align: justify; text-indent: 0.25in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the court finds that the services of counsel for any dissenter were of substantial benefit to other dissenters similarly situated,
and that the fees for those services should not be assessed against the corporation, the court may award to those counsel reasonable
fees paid out of the amounts awarded the dissenters who were benefited.</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 8pt/normal Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="annexe"></A>ANNEX E</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><IMG SRC="logo1.jpg" ALT="" STYLE="width: 761px; height: 95px"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">March 22, 2019</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Board of Directors</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">ChoiceOne Financial Services, Inc.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">109 East Division St.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Sparta, Michigan 49345</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Members of the Board:</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">You have requested our opinion as to
the fairness, from a financial point of view, to ChoiceOne Financial Services, Inc. (&quot;ChoiceOne&quot;) of the Merger Consideration
(as defined below) to be paid to shareholders of County Bank Corp. (&quot;County&quot;) pursuant to the Agreement and Plan of Merger
dated as of March 22, 2019 (the &quot;Agreement&quot;) by and between ChoiceOne and County. The Agreement provides for the merger
of County with and into ChoiceOne, with ChoiceOne being the surviving company. Capitalized terms used herein without definition
have the meanings given to such terms in the Agreement.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">The financial terms of the Agreement
provide that County shareholders will be entitled to receive 2.0632 shares of ChoiceOne common stock in exchange for each County
common share, (the &quot;Merger Consideration&quot;). The Agreement also allows for a special dividend of $0.60 per share to be
paid to ChoiceOne common shareholders in advance of the Effective Time.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">ProBank Austin as part of its investment
banking practice is customarily engaged in advising and valuing financial institutions in connection with mergers and acquisitions
and other corporate transactions. ProBank Austin has acted as financial advisor to ChoiceOne and not as an advisor to, or agent
of, any other person. In connection with rendering our opinion set forth herein, we have reviewed among other things:</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(i)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">the Agreement dated as of March 22, 2019; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(ii)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">certain publicly available financial statements and other historical
financial information of County and ChoiceOne that we deemed relevant; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(iii)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">the historical financial performance, current financial position,
budgets and projections and general prospects of each of County and ChoiceOne;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(iv)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">the pro forma financial impact of the Merger to ChoiceOne and County,
based on assumptions and projections, including without limitation, the cost savings and related expenses expected to result or
be derived from the Merger, which were reviewed with management of ChoiceOne and County, as well as, representatives of County;
</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(v)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">publicly reported historical stock price and trading activity for
ChoiceOne and County's common stock, including an analysis of certain financial and stock information of certain other publicly
traded companies deemed comparable to ChoiceOne and County; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(vi)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">the financial terms of certain recent business combinations in the
commercial banking industry, to the extent publicly available, deemed comparable to the Merger; </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(vii)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">the current market environment generally and the banking environment
in particular; and, </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0; text-align: center"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>





<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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    <TD STYLE="width: 76%; padding-right: 5.4pt; padding-left: 5.4pt">
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Board of Directors<BR>
        ChoiceOne Financial Services, Inc.<BR>
        March 22, 2019<BR>
        Page 2</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="width: 24%; font: 10pt/115% Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><IMG SRC="smlogo.jpg" ALT="" STYLE="width: 142px; height: 51px"></TD></TR>
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<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font-size: 11pt">(viii)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-size: 11pt">such other information, financial studies, analyses and investigations
and financial, economic and market criteria as we considered relevant. </FONT></TD></TR></TABLE>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">We discussed with certain members of
senior management of County the business, financial condition, results of operations and prospects of County, including certain
operating, regulatory and other financial matters. We held similar discussions with senior management of ChoiceOne regarding the
business, financial condition, results of operations and prospects of ChoiceOne.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Management of County and ChoiceOne,
respectively, have represented that there has been no material adverse change in their respective company's assets, financial condition,
results of operations, business or prospects since the date of the most recent financial statements. We have assumed in all respects
material to our analysis that County and ChoiceOne will remain as going concerns for all periods relevant to our analyses, that
all of the representations and warranties contained in the Agreement are true and correct, that each party to the Agreement will
perform all of the covenants required to be performed by such party under the Agreement, and that the conditions precedent in the
Agreement are not waived. Finally, ProBank Austin expresses no view or opinion as to any of the legal, accounting and tax matters
relating to the Merger and any other transactions contemplated by the Agreement or any terms or other aspects of the Agreement,
the Merger or any such other transactions.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">ProBank Austin's opinion was given in
reliance on information and representations made or given by County and ChoiceOne, and their respective officers, directors, auditors
and other agents, and on filings, releases and other information issued by each of County and ChoiceOne, including, without limitation,
financial statements, financial projections, and stock price data as well as certain other information from recognized independent
sources. ProBank Austin has assumed, based on discussions with County and ChoiceOne's managements, that all such information provides
a reasonable basis upon which ProBank Austin could form its opinion and ProBank Austin expresses no view as to any such information
or the assumptions or bases therefor. ProBank Austin has relied on all such information without independent verification or analysis
and does not in any respect assume any responsibility or liability for the accuracy or completeness thereof.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">As part of the due diligence process
we made no independent verification as to the status and value of County's or ChoiceOne's assets, including the value of the loan
portfolio and allowance for loan and lease losses, and have instead relied upon representations and information concerning the
value of assets and the adequacy of reserves of both companies in the aggregate. In addition, we have assumed in the course of
obtaining the necessary approvals for the transaction, no condition will be imposed that will have a material adverse effect on
the contemplated benefits of the transaction to ChoiceOne and its shareholders.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">This opinion is based on economic and
market conditions and other circumstances existing on, and information made available as of, the date hereof. This opinion is
limited to the fairness, from a financial point of view, of the Merger Consideration to be paid by ChoiceOne while considering
the special dividend permitted to be paid to ChoiceOne shareholders. As part of the engagement, ProBank Austin reserves the right
to review any public disclosures describing this fairness opinion or its firm. ProBank Austin has acted exclusively for the board
of directors of ChoiceOne in rendering this opinion and will receive a fee from ChoiceOne for our services. A portion of the fee
is payable upon rendering this opinion, and a significant portion is contingent upon the successful completion of the transaction.
In addition, ChoiceOne has agreed to indemnify ProBank Austin against certain liabilities. In the past two years, ProBank Austin
has not provided investment banking services to County. ProBank Austin </P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;<IMG SRC="lnt.jpg" ALT="" STYLE="width: 260px; height: 25px"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"></P>

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<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"> </P>
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        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Board of Directors<BR>
        ChoiceOne Financial Services, Inc.<BR>
        March 22, 2019<BR>
        Page 3</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P></TD>
    <TD STYLE="width: 24%; font: 10pt/115% Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><IMG SRC="smlogo.jpg" ALT="" STYLE="width: 142px; height: 51px"></TD></TR>
</TABLE>



<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">provides certain consulting services
to County; however, fees generated from such services are not material to the overall revenue of ProBank Austin.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">ProBank Austin expresses no view or
opinion as to any other terms or aspects of the transaction or any term or aspect of any related transaction, including without
limitations, the form or structure of the transaction, any consequences of the transaction to ChoiceOne, its shareholders, creditors,
or otherwise, or any terms, aspects, merits or implications of any employment, retention, consulting, voting, support, cooperation,
shareholder, or other agreements, arrangements or understandings contemplated or entered into in connection with the transaction.
ProBank Austin's opinion does not address the fairness of the amount or nature of any compensation to any of ChoiceOne's officers,
directors or employees, or any class of persons, relative to any compensation to the holders of ChoiceOne common stock or relative
to the Merger Consideration. This opinion has been approved by the fairness opinion committee of ProBank Austin.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Based upon our analysis and subject
to the qualifications described herein, we believe that as of the date of this letter, the Merger Consideration to be paid to County,
is fair, from a financial point of view, to ChoiceOne.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Respectfully,</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><IMG SRC="pba.jpg" ALT="" STYLE="width: 159px; height: 66px">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 9pt/normal Sans-Serif; margin: 0; color: Red"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><B>ProBank Austin</B></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><B><IMG SRC="lnt.jpg" ALT="" STYLE="width: 260px; height: 25px">&nbsp;</B></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><A NAME="annexf"></A>ANNEX F</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.25in">&nbsp;</P>

<P STYLE="font: 9pt/normal Sans-Serif; margin: 0; text-align: center; color: Red"><IMG SRC="boenning.jpg" ALT="" STYLE="width: 577px; height: 121px"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">March 22, 2019</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Board of Directors</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">County Bank Corp</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">83 West Nepessing Street</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Lapeer, MI 48446</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Dear Members of the Board:</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">You have requested our opinion as to
the fairness, from a financial point of view, of the Exchange Ratio (as defined below) to be received by the holders of shares
of issued and outstanding common stock, (the &quot;Company Common Shares&quot;), of County Bank Corp, a Michigan corporation (&quot;County&quot;),
in connection with the proposed merger (&quot;Merger&quot;) of County with and into ChoiceOne Financial Services, Inc., a Michigan
corporation (&quot;Choice&quot;), with Choice surviving the Merger, pursuant to the terms and conditions of the Agreement and Plan
of Merger, dated as of March 22, 2019 (the &quot;Merger Agreement&quot;). As detailed in the Merger Agreement, each Company Common
Share, issued and outstanding immediately prior to the effective time of the Merger, will be converted into the right to receive
2.0632 shares of Choice common stock, no par value (the &quot;Exchange Ratio&quot;). Additionally, Choice plans to pay a $0.60
special dividend to its shareholders prior to the close of the Merger.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">In arriving at our opinion, we have,
among other things: (i) reviewed the historical financial performance, current financial position and general prospects of each
of County and Choice and reviewed certain internal financial analyses prepared by the respective management teams of County and
Choice, (ii) reviewed the Merger Agreement, (iii) reviewed and analyzed the stock performance and trading history of County and
Choice, (iv) studied and analyzed the consolidated financial and operating data of County and Choice, (v) reviewed the pro forma
financial impact of the Merger on County and Choice, based on assumptions relating to transaction expenses, purchase accounting
adjustments, cost savings and other synergies determined by the respective management teams of County and Choice, (vi) considered
the financial terms of the Merger as compared with the financial terms of comparable bank and bank holding company mergers and
acquisitions, (vii) met and communicated with certain members of each of County's and Choice's senior management to discuss their
respective operations, historical financial statements and future prospects, and (viii) conducted such other analyses and considered
such other factors as we deemed appropriate.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Our opinion is given in reliance on
information and representations made or given by County and Choice, and their respective officers, directors, auditors, counsel
and other agents, and on filings, releases and other information issued by each of County and Choice, including, without limitation,
financial statements, financial projections and stock price data, as well as certain other information from recognized independent
sources. We have not independently verified the information or data concerning County or Choice nor any other data we considered
in our review and, for purposes of the opinion set forth below, we have assumed and relied upon the accuracy and completeness
of all such information and data. We have assumed that all forecasts and projections provided to us have been reasonably prepared
on a basis reflecting the best currently available estimates and good faith judgments of the respective management teams of County
and Choice as to their most likely future financial performance. We express no opinion as to any financial projections or the
assumptions on which they are based. We have </P>



<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"> </P>

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<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><IMG SRC="smboenning.jpg" ALT="" STYLE="width: 113px; height: 47px">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;Board of Directors</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;County Bank Corp</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;March 22, 2019</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;Page 2</P>



<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"> not conducted any valuation or
appraisal of any assets or liabilities of County or Choice, nor have any such valuations or appraisals been provided to us.
Additionally, we assume that the Merger is, in all respects, lawful under applicable law.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">With respect to anticipated transaction
costs, purchase accounting adjustments, expected cost savings and other synergies and financial and other information relating
to the general prospects of County and Choice, we have assumed that such information has been reasonably prepared and reflects
the best currently available estimates and good faith judgments of the respective management teams of County and Choice as to their
most likely future performance. We have further relied on the assurances of the respective management teams of County and Choice
that they are not aware of any facts or circumstances that would make any of such information inaccurate or misleading. We have
not been asked to and have not undertaken an independent verification of any of such information, and we do not assume any responsibility
or liability for the accuracy or completeness thereof. We have assumed that the allowance for loan losses indicated on the balance
sheet of each of County and Choice is adequate to cover such losses; we have not reviewed any loans or credit files of County or
Choice. We have assumed that all of the representations and warranties contained in the Merger Agreement and all related agreements
are true and correct, that each party under the agreements will perform all of the covenants required to be performed by such party
under the agreements, and that the conditions precedent in the agreements will not be waived. We have assumed that the Merger will
qualify as a tax-free reorganization for federal income tax purposes. Also, in rendering our opinion, we have assumed that in the
course of obtaining the necessary regulatory approvals for the consummation of the Merger, no conditions will be imposed that will
have a material adverse effect on the combined entity or contemplated benefits of the Merger, including, without limitation, the
cost savings and related expenses expected to result from the Merger.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Our opinion is based upon information
provided to us by the respective management teams of County and Choice, as well as market, economic, financial and other conditions
as they exist and can be evaluated only as of the date hereof and accordingly, it speaks to no other period. We have not undertaken
to reaffirm or revise this opinion or otherwise comment on events occurring after the date hereof and do not have an obligation
to update, revise or reaffirm our opinion. Our opinion does not address the relative merits of the Merger or the other business
strategies or transactions that County's Board of Directors has considered or may be considering, nor does it address the underlying
business decision of County's Board of Directors to proceed with the Merger. We are expressing no opinion as to the prices at
which Choice's securities may trade at any time. Nothing in our opinion is to be construed as constituting tax advice or a recommendation
to take any particular tax position, nor does our opinion address any legal, tax, regulatory or accounting matters, as to which
we understand that Choice has obtained such advice as it deemed necessary from qualified professionals. Our opinion is for the
information of County's Board of Directors in connection with its evaluation of the Merger and does not constitute a recommendation
to the Board of Directors of County in connection with the Merger or a recommendation to any shareholder of County as to how such
shareholder should vote or act with respect to the Merger. This opinion should not be construed as creating any fiduciary duty
on Boenning &amp; Scattergood, Inc.'s part to any party or person. This opinion is directed solely to County's Board of Directors
and is not to be quoted or referred to, in whole or in part, in a registration statement, prospectus, proxy statement or in any
other document, nor shall this opinion be used for any other purpose, without our prior written consent, except that, if required
by applicable law, this opinion may be referenced and included in its entirety in any filing made by Choice and/or County in respect
to the Merger with the Securities and Exchange Commission; provided, </P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 8pt">4
Tower Bridge&nbsp;&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;&nbsp;200 Barr Harbor Drive&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;West
Conshohocken&nbsp;&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;&nbsp;PA&nbsp;&nbsp;19428-2979</FONT></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 8pt">phone
(610) 832-1212&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;fax (610) 832-5301&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;www.boenninginc.com&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;Member
FINRA/SIPC</FONT></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>



<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"> </P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"><IMG SRC="smboenning.jpg" ALT="" STYLE="width: 113px; height: 47px">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;Board of Directors</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;County Bank Corp</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;March 22, 2019</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0">&nbsp;Page 3</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">however, any description of or
reference to our opinion or to Boenning &amp; Scattergood, Inc. shall be in a form reasonably acceptable to us and our
counsel. We shall have no responsibility for the form or content of any such disclosure, other than the opinion itself.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Boenning &amp; Scattergood, Inc. (&quot;Boenning&quot;),
as part of its investment banking business, regularly is engaged in the valuation of assets, securities and companies in connection
with various types of transactions, including, without limitation, mergers, acquisitions, private placements, public offerings
and valuations for various other purposes, and in the determination of adequate consideration in such transactions. In the ordinary
course of our business as a broker-dealer, we may, from time to time, purchase securities from, and sell securities to, Choice,
County, and their respective affiliates. In the ordinary course of business, we may also actively trade the securities of Choice
for our own account and for the accounts of customers and accordingly may at any time hold a long or short position in such securities.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">We are acting as County's financial
advisor in connection with the Merger and will receive a fee for our services, a significant portion of which is contingent upon
consummation of the Merger. We will also receive a fee for rendering this opinion, which opinion fee will be credited in full towards
the contingent fee. Our fee for rendering this opinion is not contingent upon any conclusion that we may reach or upon completion
of the Merger. County has also agreed to indemnify us against certain liabilities that may arise out of our engagement and to reimburse
us for certain of our out-of-pocket expenses incurred in connection with our engagement.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Except for the arrangements between
Boenning and County described in the preceding paragraph, Boenning has not had any material relationship with County or Choice
during the past two years in which compensation was received or was intended to be received. Boenning may provide services to Choice
in the future (and to County if the Merger is not consummated), although as of the date of this opinion, there is no agreement
to do so nor any mutual understanding that such services are contemplated.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">This opinion has been approved by Boenning's
fairness opinion committee. We do not express any opinion as to the fairness of the amount or nature of the compensation to be
received in the Merger by any of the officers, directors, or employees of any party to the Merger Agreement, or any class of such
persons, relative to the compensation to be received by the holders of Company Common Shares in the Merger.</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Based on and subject to the foregoing,
it is our opinion that, as of the date hereof, the Exchange Ratio to be received by the holders of Company Common Shares pursuant
to the Merger Agreement is fair, from a financial point of view, to such holders.&#9;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 37%; font: 10pt/115% Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="width: 63%">
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Sincerely,</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"><IMG SRC="boenningsig.jpg" ALT="" STYLE="width: 321px; height: 54px">&nbsp;</P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"></P>
        <P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0">Boenning &amp; Scattergood, Inc.</P></TD></TR>
</TABLE>


<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0 0 0 2.5in"></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin: 0; text-indent: 2.5in">&nbsp;</P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 8pt">4
Tower Bridge&nbsp;&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;&nbsp;200 Barr Harbor Drive&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;West
Conshohocken&nbsp;&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;&nbsp;PA&nbsp;&nbsp;19428-2979</FONT></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 8pt">phone
(610) 832-1212&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;fax (610) 832-5301&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;www.boenninginc.com&nbsp;&nbsp;&nbsp;&#9679;&nbsp;&nbsp;&nbsp;Member
FINRA/SIPC</FONT></P>

<P STYLE="font: 11pt/normal Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B><A NAME="annexg"></A>ANNEX G</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B>COUNTY BANK
CORP CONSOLIDATED FINANCIAL STATEMENTS</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">Lapeer, Michigan</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">UNAUDITED INTERIM CONDENSED
CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">For the quarterly
period ended March 31, 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">Lapeer, Michigan</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">UNAUDITED
INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">For the quarterly
period ended March 31, 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">CONTENTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 96%; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">UNAUDITED
    INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
    <TD STYLE="width: 4%; text-align: justify; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INTERIM
    CONDENSED CONSOLIDATED BALANCE SHEETS AS OF MARCH 31, 2019 AND DECEMBER 31, 2018</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INTERIM
    CONDENSED CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS ENDED</FONT><BR> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MARCH
    31, 2019 AND 2018</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-4</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INTERIM
    CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) FOR THE</FONT><BR> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;THREE
    MONTHS ENDED MARCH 31, 2019 AND 2018</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-5</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INTERIM
    CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS&rsquo; EQUITY FOR THE THREE</FONT><BR> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MONTHS
    ENDED MARCH 31, 2019 AND 2018</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-6</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INTERIM
    CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS FOR THE THREE MONTHS ENDED</FONT><BR> <FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MARCH
    31, 2019 AND 2018</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-7</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NOTES
    TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-8</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
INTERIM CONDENSED CONSOLIDATED BALANCE SHEETS<BR>
(UNAUDITED)<BR>
(Dollars in Thousands except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 0.5pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">December 31,<BR>
2018</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 73%; padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 4%; padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt"><B>ASSETS</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt; text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt; text-align: justify">Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">18,651</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">20,830</TD>
    <TD STYLE="padding-right: -31.5pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt; text-align: justify">Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">948</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">948</TD>
    <TD STYLE="padding-right: -31.5pt; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">Available for sale investment securities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">193,846</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">195,112</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">Restricted investment securities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">Net loans</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">385,705</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">362,164</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">Premises and equipment, net</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">10,746</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">10,749</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">Bank owned life insurance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">16,198</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">16,109</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">Core deposit intangible</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,123</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,199</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">Accrued interest receivable and other assets</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,796</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,654</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">636,812</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">616,564</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt"><B>LIABILITIES AND STOCKHOLDERS' EQUITY</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">Liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest bearing</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">445,546</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">420,400</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">116,154</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">122,053</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">561,700</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">542,453</TD>
    <TD STYLE="padding-right: -31.5pt; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">Federal Home Loan Bank advances</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,000</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">11,000</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">Federal funds purchased</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,200</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">Accrued interest payable and other liabilities</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,855</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,754</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">572,755</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">556,207</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">Stockholders' equity</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common stock, $5 par value, 3,000,000 shares authorized,<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,746,884 shares issued and outstanding at<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March 31, 2019 and December 31, 2018</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<BR>
8,734 </TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<BR>
8,734</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Surplus</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">25,933</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">25,933</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">31,929</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">30,860</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive loss</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(2,539</TD>
    <TD STYLE="padding-right: -31.5pt">)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(5,170</TD>
    <TD STYLE="padding-right: -31.5pt">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders&rsquo; equity</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">64,057</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">60,357</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: -31.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">636,812</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">616,564</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to unaudited
interim condensed consolidated financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
INTERIM CONDENSED CONSOLIDATED STATEMENTS OF INCOME<BR>
(UNAUDITED)<BR>
(Dollars in Thousands except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 0.75pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center">For the three months ended</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2018</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top; width: 72%">Interest income</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans (including fees)</TD>
    <TD STYLE="vertical-align: top; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; text-align: right">4,834</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; text-align: right">4,350</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment securities:</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">795</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">612</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-taxable</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">406</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">459</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">100</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">131</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">6,135</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">5,552</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">Interest expense</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">665</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">335</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrowings</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">32</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">12</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">697</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">347</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><B>Net interest income</B></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">5,438</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">5,205</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">Provision for loan losses</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><B>Net interest income after provision for loan losses</B></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">5,438</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">5,205</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">Noninterest income</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Services charges on deposit accounts</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">442</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">450</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gains on sales of loans</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">57</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">71</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings from bank owned life insurance</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">89</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">90</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust income</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">156</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">154</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interchange income</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">373</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">371</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">224</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">309</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,341</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,445</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">Noninterest expense</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">2,458</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">2,615</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Occupancy and equipment</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">514</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">561</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Advertising</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">55 </TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">96</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Professional fees</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">142</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">128</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Data processing</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">479</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">427</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory fees</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">24</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">71</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Electronic banking fees</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">191</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">183</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors&rsquo; fees</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">184</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">141</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Core deposit intangible amortization</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">76</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">88</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Telecommunications</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">99</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">91</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">547</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">437</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">4,769</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">4,838</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><B>Income before income tax expense</B></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">2,010</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,812</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">Income tax expense</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">294</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">268</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><B>Net income</B></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">1,716</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">1,544</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">Net income per basic share of common stock</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">0.98</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">0.88</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to interim condensed unaudited consolidated financial statements.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="color: windowtext">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="color: windowtext"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="color: windowtext">COUNTY BANK
CORP</FONT><BR>
<FONT STYLE="color: windowtext">INTERIM CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)</FONT><BR>
<FONT STYLE="color: windowtext">(UNAUDITED)</FONT><BR> <FONT STYLE="color: windowtext">(Dollars in Thousands)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 0.75pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center">For the three months ended</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2018</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 72%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><B>Net income</B></TD>
    <TD STYLE="vertical-align: top; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,716</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; text-align: right">1,544</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">Other comprehensive income (loss):</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Available for sale investment securities:</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unrealized holding gains (losses) arising during the period</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">3,330</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">(3,611</TD>
    <TD STYLE="vertical-align: top">)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reclassification adjustment for net realized (gains) losses<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;included in net income</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><BR>
-</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><BR>
-</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><B>Other comprehensive income (loss) before income tax (expense) benefit</B></TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">3,330</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">(3,611</TD>
    <TD STYLE="vertical-align: top">)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">Income tax (expense) benefit related to other comprehensive<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;income (loss)</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><BR>
(699</TD>
    <TD STYLE="vertical-align: top"><BR>
)</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right"><BR>
758</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total other comprehensive income (loss)</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">2,631</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right">(2,853</TD>
    <TD STYLE="vertical-align: top">)</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><B>Comprehensive income (loss)</B></TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">4,347</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt double; text-align: right">(1,309</TD>
    <TD STYLE="vertical-align: top">)</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="text-underline-style: double">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to unaudited interim condensed consolidated
financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
INTERIM CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY<BR>
(UNAUDITED)<BR>
(Dollars in Thousands except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 9pt">Common Stock</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 9pt">Retained</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="font-size: 9pt">Accumulated</FONT><BR>
<FONT STYLE="font-size: 9pt">Other</FONT><BR>
<FONT STYLE="font-size: 9pt">Comprehensive</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Total</FONT><BR>
<FONT STYLE="font-size: 9pt">Stockholders'</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Shares</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Amount</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Surplus</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Earnings</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Loss</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Equity</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 44%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, January 1, 2018</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">27,436</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,846</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">59,257</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Net income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,544</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,544</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Other comprehensive loss</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,853</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,853</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Cash dividends paid ($0.33 per share)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(577</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(577</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, March 31, 2018</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">&#9;1,746,884</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">28,403</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">(5,699</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">57,371</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, January 1, 2019</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">30,860</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(5,170</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">60,357</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Net income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,716</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,716</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Other comprehensive income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,631</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,631</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Cash dividends paid ($0.37 per share)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(647</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(647</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, March 31, 2019</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">31,929</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">(2,539</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">64,057</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to unaudited interim condensed consolidated financial statements.</P>





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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
INTERIM CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS<BR>
(UNAUDITED)<BR>
(Dollars in Thousands)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center">For the three months ended</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD STYLE="padding-right: -31.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2018</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 73%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><B>Cash flows from operating activities</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,716</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,544</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjustments to reconcile net income to net cash<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;from operating activities:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Write-downs on other real estate owned</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Depreciation and amortization</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">294</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">285</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net amortization on investment securities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">250</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">402</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain on sales of loans</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(57</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(71</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain on sales of other real estate owned</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(61</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings from bank owned life insurance</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(89</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(90</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Origination of loans held for sale</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2,242</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2,825</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sales of loans held for sale</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,299</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">3,050</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net changes in operating assets and liabilities which<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provided cash:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable and other assets</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(842</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(200</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable and other liabilities</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(899</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">282</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash from operating activities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">430</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">2,318</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><B>Cash flows for investing activities</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Activity in available for sale investment securities:</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchases</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(40,109</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maturities, prepayments, sales and calls</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,346</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">4,418</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan principal originations and collections, net</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">(23,541</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">)</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">(704</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sales of other real estate owned</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">-</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">139</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premises and equipment expenditures</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">(214</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 10pt">(51</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 10pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash for investing activities</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(19,409</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(36,307</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><B>Cash flows from financing activities</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acceptances and withdrawals of deposits, net</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">19,247</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">14,598</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Repayment of FHLB advances</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(10,000</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds (repayment) from/of fed funds purchased </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">8,200</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash dividends paid</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(647</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(577</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash from financing activities</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">16,800</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">14,021</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Net decrease in cash and cash equivalents</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(2,179</TD>
    <TD>)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">(19,968</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Cash and cash equivalents, beginning of year</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">20,830</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">40,313</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><B>Cash and cash equivalents, end of year</B></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">18,651</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">20,345</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Supplemental cash flow information</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transfer of loans to other real estate owned</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash paid for interest</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">711</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">341</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash paid for income taxes</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">662</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to unaudited interim condensed consolidated financial statements.</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED
FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Nature of Business</U>: The Corporation
is independently owned and operates a community bank engaged in the business of retail and commercial banking services through
its 13 full-service branches located in the counties of Lapeer, Macomb, and St. Clair in the state of Michigan. Active competition,
principally from other commercial banks, savings banks and credit unions, exists in all of the Bank's primary markets. The
Bank's results of operations can be significantly affected by changes in interest rates or changes in the automotive and
other manufacturing industries which comprise a significant portion of the local economic environment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank is a state-chartered bank and a member
of the Federal Deposit Insurance Corporation (&quot;FDIC&quot;) Bank Insurance Fund and the Federal Reserve System. The Bank
is supervised and regulated by the Michigan Department of Insurance and Financial Services (&quot;DIFS&quot;), the Federal Reserve
Board (&ldquo;FRB&rdquo;), and undergoes periodic examinations by these regulatory authorities. The Corporation is also subject
to regulations of the Federal Reserve Board governing bank holding companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">While the Corporation monitors the revenue streams of various products
and services, operations and financial performance are evaluated on a company-wide basis. Accordingly, all of the financial service
operations are considered by management to be aggregated into one reportable operating segment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><U>Basis of Presentation</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The consolidated financial statements include
the accounts of the Corporation and its wholly owned subsidiary, Lakestone Bank &amp; Trust (the &quot;Bank&quot;). All significant
intercompany accounts and transactions have been eliminated in consolidation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The consolidated financial statements have
been prepared in accordance with generally accepted accounting principles for interim financial information, prevailing practices
within the banking industry and the instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes
required by generally accepted accounting principles for complete financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The accompanying consolidated financial statements
reflect all adjustments ordinary in nature which are, in the opinion of management, necessary for a fair presentation of the Consolidated
Balance Sheets as of March 31, 2019 and December 31, 2018, the Consolidated Statements of Income for the three-month periods ended
March 31, 2019 and March 31, 2018, the Consolidated Statements of Comprehensive Income (Loss) for the three-month periods ended
March 31, 2019 and March 31, 2018, the Consolidated Statements of Stockholders' Equity for the three-month periods ended
March 31, 2019 and March 31, 2018, and the Consolidated Statements of Cash Flows for the three-month periods ended March 31, 2019
and March 31, 2018. Operating results for the three months ended March 31, 2019 are not necessarily indicative of the results that
may be expected for the year ending December 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The accompanying consolidated financial statements
should be read in conjunction with the consolidated financial statements and footnotes thereto for the year ended December 31,
2018.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Use of Estimates</U>:</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The preparation of financial statements
in conformity with accounting principles generally accepted in the United States of America requires management to make estimates
and assumptions that affect the reported amounts of assets and liabilities, reported amounts of income and expenses, and disclosures
concerning reported amounts of contingent assets and liabilities at the date of the financial statements and during the reporting
period. Actual results could differ from those estimates.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Subsequent Events</U>:</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation has evaluated subsequent
events for recognition, measurement, and disclosures.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Allowance for Loan Losses</U>:</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The allowance for loan losses is maintained
at a level believed adequate by management to absorb probable incurred losses inherent in the consolidated loan portfolio. Management's
evaluation of the adequacy of the allowance is an estimate based on reviews of individual loans, assessments of the impact of current
economic conditions on the portfolio and historical loss experience of seasoned loan portfolios. See Note 4 to the interim consolidated
financial statements for additional information.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Management believes the accounting estimate
related to the allowance for loan losses is a &quot;critical accounting estimate&quot; because (1) the estimate is highly susceptible
to change from period to period because of assumptions concerning the changes in the types and volumes of the portfolios and economic
conditions and (2) the impact of recognizing an impairment or loan loss could have a material effect on the Corporation's
assets reported on the consolidated balance sheets as well as its consolidated net income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Recent Accounting Pronouncements</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The FASB issued ASU 2016-02, <I>Leases</I>.
The new standard establishes a right-of-use (ROU) model that requires a lessee to record a ROU asset and a lease liability on the
balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification
affecting the pattern of expense recognition in the income statement. The new standard is effective for fiscal years beginning
after December 15, 2018, including interim periods within those fiscal years. A modified retrospective transition approach is required
for lessees for capital and operating leases existing at, or entered into after, the beginning of the earliest comparative period
presented in the financial statements, with certain practical expedients available. Implementation of the new standard did not
have an impact on the Corporation's consolidated financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The FASB issued ASU No. 2016-13<I>, Financial
Instruments&mdash;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments</I>. This ASU provides financial
statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments
to extend credit held by a reporting entity at each reporting date by replacing the incurred loss impairment methodology in current
generally accepted accounting principles (GAAP) with a methodology that reflects expected credit losses and requires consideration
of a broader range of reasonable and supportable information to inform credit loss estimates. The new guidance attempts to reflect
an entity's current estimate of all expected credit losses and broadens the information that an entity must consider in developing
its expected credit loss estimate for assets measured either collectively or individually to include forecasted information, as
well as past events and current conditions. There is no specified method for measuring expected credit losses, and an entity may
apply methods that reasonably reflect its expectations of the credit loss estimate. Although an entity may still use its current
systems and methods for recording the allowance for credit losses, under the new rules, the inputs used to record the allowance
for credit losses generally will need to change to appropriately reflect an estimate of all expected credit losses and the use
of reasonable and supportable forecasts. Additionally, credit losses on available-for-sale debt securities will have to be presented
as an allowance rather than as a write-down. This ASU is effective for fiscal years beginning after December 15, 2020, and for
interim periods within those years. Management is currently evaluating the impact of this new ASU on its consolidated financial
statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS</B></P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Fair value refers to the price that
would be received to sell an asset or paid to transfer a liability (an exit price) in an orderly transaction between market participants
in the market in which the reporting entity transacts such sales or transfers based on the assumptions market participants would
use when pricing an asset or liability. Assumptions are developed based on prioritizing information within a fair value hierarchy
that gives the highest priority to quoted prices in active markets (Level 1) and the lowest priority to unobservable data, such
as the reporting entity's own data (Level 3).</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A description of each category in the
fair value hierarchy is as follows:</P>

<P STYLE="font: 10pt/10.5pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">Level 1: Valuation is based upon
quoted prices for identical instruments traded in active markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">Level 2: Valuation is based upon
quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are
not active, and model-based valuation techniques for which all significant assumptions are observable in the market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">Level 3: Valuation is generated
from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions
reflect the estimates of assumptions that market participants would use in pricing the asset or liability. The following is a description
of the valuation methodologies and key inputs used by the Corporation to measure financial assets recorded at fair value on a recurring
or non-recurring basis:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Available for sale investment securities are
recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices
are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as
the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors
such as credit loss and liquidity assumptions. Level 1 securities include those traded on an active exchange, such as the New York
Stock Exchange, that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 fair value
measurement is based upon quoted prices for like securities, if available. Level 2 securities include securities from government-sponsored
enterprises, state and municipal bonds, corporate debt securities, mortgage-backed securities, and trust preferred securities.
The Corporation did not hold any investment securities designated as Level 3 as of March 31, 2019 and December 31, 2018, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of collateral dependent impaired
loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. These appraisals
may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments
are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income
data available and, further, adjustments to appraised values are made by management in response to market conditions and other
factors. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Upon transfer from the loan portfolio, other
real estate owned is recorded at fair value less estimated costs to sell and is subsequently carried at the lower of the initial
value or current fair value less estimated costs to sell. Fair value is based upon independent market prices, appraised values
of the collateral or management's estimation of the value of the collateral. When the fair value of the collateral is based
on an observable market price or a current appraised value, the Corporation classifies the other real estate owned as nonrecurring
Level 2. When a current appraised value is not available or management determines the fair value of the collateral is further impaired
below the appraised value and there is no observable market price, the Corporation classifies the other real estate owned as nonrecurring
Level&nbsp;3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Appraisals for both collateral-dependent impaired
loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential
appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation. Management
reviews the assumptions and approaches utilized in the appraisal. Management periodically evaluates the appraised values and will
discount a property's appraised value to account for a number of factors including but not limited to the cost of liquidating
the collateral, the age of the appraisal, observable deterioration since the appraisal, or other factors unique to the property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 2 - FAIR VALUE MEASUREMENTS
</B>(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of servicing rights
is determined based on market prices for comparable mortgage servicing contracts (Level 2), when available, or alternatively based
on a valuation model that calculates the present value of estimated future servicing income. The valuation model utilizes interest
rate, prepayment speed, and default rate assumptions that market participants would use in estimating future net servicing income
and that can be validated against available market date (Level 2).</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Assets Measured at Fair Value on
a Recurring Basis</U>:</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table sets forth by level,
within the fair value hierarchy, the recorded amount of assets measured at fair value on a recurring basis as of:</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 1</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 2</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 3</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Available for sale investment securities:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,969</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,969</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">80,394</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">80,394</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,510</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,510</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">90,640</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">90,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,008</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,008</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Servicing rights</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">843</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">843</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets at fair value</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">194,689</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">194,689</TD></TR>
</TABLE>
<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="text-underline-style: double">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 1</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 2</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 3</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>December 31, 2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Available for sale investment securities:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,856</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,856</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78,453</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78,453</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,358</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,358</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">93,938</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">93,938</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,182</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,182</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Servicing rights</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">879</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">879</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets at fair value</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">195,991</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">195,991</TD></TR>
</TABLE>
<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Assets Measured at Fair Value on
a Non-Recurring Basis</U>:</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table sets forth by level,
within the fair value hierarchy, the recorded amount of assets measured at fair value on a nonrecurring basis as of:</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 1</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 2</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 3</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate owned</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate owned</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">G-11<!-- Field: Sequence; Type: Arabic; Name: PageNo --><!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">There were no impaired loans measured at fair
value on a non-recurring basis as of March 31, 2019 or December 31, 2018.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Other real estate owned as of March 31, 2019
and December 31, 2018 carried at fair value was $754 before a valuation allowance of $246, resulting in charges of $0 for both
periods then ended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">As discussed previously, the fair values of
other real estate owned carried at fair value is determined by third party appraisals. Management makes adjustments to these appraised
values based on the age of the appraisal and the type of the property. The following table presents quantitative information about
level 3 fair value measurements for the larger classes of financial instruments measured at fair value on a non-recurring basis
as of March 31, 2019 and December 31, 2018, respectively:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><BR>
<BR>
<U>March 31, 2019</U></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Fair<BR>
Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Valuation<BR>
Technique</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Unobservable<BR>
Inputs</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Range<BR>
(Weighted<BR>
Average)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 23%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Other real estate owned -<BR>
&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Sales comparison<BR>
&nbsp;&nbsp;approach</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Management discount for<BR>
&nbsp;&nbsp;property type and recent<BR>
&nbsp;&nbsp;market volatility</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center"><BR>
41% (41%)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Other real estate owned -<BR>
&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Sales comparison<BR>
&nbsp;&nbsp;approach</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Management discount for<BR>
&nbsp;&nbsp;property type and recent<BR>
&nbsp;&nbsp;market volatility</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center"><BR>
41% (41%)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Fair Value of Financial Instruments</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount and estimated fair value
of financial instruments, not recorded at fair value in their entirety on a recurring basis, were as follows as of:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Carrying<BR>
Amount</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Estimated<BR>
Fair Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Fair Value<BR>
Level</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Assets:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">18,651</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">18,651</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">948</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">942</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restricted investment securities</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">N/A</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">385,705</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">373,407</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 3</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,397</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,397</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Liabilities:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-maturing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">393,169</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">393,169</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maturing interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">52,377</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">51,959</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">116,154</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">116,154</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FHLBI advances</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">1,000</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">999</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Federal funds purchased</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">8,200</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">8,200</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">67</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS </B>(Continued)</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Carrying<BR>
Amount</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Estimated<BR>
Fair Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Fair Value<BR>
Level</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>December 31, 2018</U></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Assets:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">20,830</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">20,830</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">948</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">950</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restricted investment securities</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">N/A</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">362,164</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">359,530</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 3</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,315</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,315</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Liabilities:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-maturing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">367,214</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">367,214</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maturing interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">53,186</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">52,703</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">122,053</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">122,053</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FHLBI advances</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">11,000</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">11,007</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">81</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">81</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
</TABLE>
<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT SECURITIES</B></P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0 8.25pt 0 0; text-align: justify">The amortized cost and fair
value of available for sale investment securities, including gross unrealized gains and losses, were as follows as of:</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0 8.25pt 0 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Amortized<BR>
Cost</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Gross<BR>
Unrealized<BR>
Gains</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Gross<BR>
Unrealized<BR>
Losses</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Fair<BR>
Value</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 50%; text-align: justify"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Available for sale:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">14,219</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">(250</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,969</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">81,102</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">391</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1,099</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">80,394</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,639</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(129</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,510</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,088</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(80</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,008</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">92,690</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(2,069</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">90,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">197,063</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">410</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">(3,627</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">193,846</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Available for sale:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">14,232</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">(376</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,856</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">81,223</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(2,853</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78,453</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,648</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(290</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,358</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,299</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(117</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,182</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">96,932</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(3,000</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">93,938</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">201,659</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">89</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">(6,636</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">195,112</TD></TR>
</TABLE>
<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Available for sale investment securities
with fair values of $44,702 and $43,641 as of March 31, 2019 and December 31, 2018, respectively, were pledged to secure public
deposits or for other purposes as permitted or required by law.</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT SECURITIES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The amortized cost and fair value of available
for sale investment securities grouped by contractual maturity, were as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Due in</FONT><BR>
<FONT STYLE="font-size: 9pt">One</FONT><BR>
<FONT STYLE="font-size: 9pt">Year</FONT><BR>
<FONT STYLE="font-size: 9pt">or Less</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Due After</FONT><BR>
<FONT STYLE="font-size: 9pt">One Year</FONT><BR>
<FONT STYLE="font-size: 9pt">Through</FONT><BR>
<FONT STYLE="font-size: 9pt">Five Years</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Due After</FONT><BR>
<FONT STYLE="font-size: 9pt">Five Years</FONT><BR>
<FONT STYLE="font-size: 9pt">Through</FONT><BR>
<FONT STYLE="font-size: 9pt">Ten Years</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Over</FONT><BR>
<FONT STYLE="font-size: 9pt">Ten</FONT><BR>
<FONT STYLE="font-size: 9pt">Years</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Securities</FONT><BR>
<FONT STYLE="font-size: 9pt">With Variable</FONT><BR>
<FONT STYLE="font-size: 9pt">Monthly</FONT><BR>
<FONT STYLE="font-size: 9pt">Payments</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<BR>
<FONT STYLE="font-size: 9pt">Total</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-size: 9pt">March 31, 2019</FONT></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Available for sale:</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,016</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">10,203</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">14,219</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">272</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">10,275</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">36,226</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">34,329</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">81,102</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,618</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,021</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,639</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">92,690</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">92,690</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,088</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,088</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">325</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">325</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total amortized</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">4,288</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">25,096</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">38,247</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">34,654</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">94,778</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">197,063</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total fair value</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">4,241</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">24,788</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">37,937</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">34,232</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">92,648</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">193,846</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Expected maturities may differ from contractual
maturities because issuers may have the right to call or prepay obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Due to their variable monthly payments, both
residential and commercial mortgage-backed investment securities are not reported by a specific maturity group.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">There were no sales of available for sale investment
securities during the three-month period ended March 31, 2019 or 2018.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT SECURITIES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Information pertaining to unrealized losses
on available for sale investment securities aggregated by investment category and the length of time that individual securities
have been in a continuous loss position is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Less than 12 Months</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Over 12 Months</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Total</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Fair</FONT><BR>
<FONT STYLE="font-size: 9pt">Value</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Gross</FONT><BR>
<FONT STYLE="font-size: 9pt">Unrealized</FONT><BR>
<FONT STYLE="font-size: 9pt">Loss</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Fair</FONT><BR>
<FONT STYLE="font-size: 9pt">Value</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Gross</FONT><BR>
<FONT STYLE="font-size: 9pt">Unrealized</FONT><BR>
<FONT STYLE="font-size: 9pt">Loss</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Fair</FONT><BR>
<FONT STYLE="font-size: 9pt">Value</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Gross</FONT><BR>
<FONT STYLE="font-size: 9pt">Unrealized</FONT><BR>
<FONT STYLE="font-size: 9pt">Losses</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 47%"><FONT STYLE="font-size: 9pt"><U>March 31, 2019</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Available for sale: </FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13,969</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(250</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13,969</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(250</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">52,435</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1,099</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">52,435</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1,099</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,975</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(46</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,535</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(83</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,510</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(129</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;residential</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">12,479</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(107</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">72,019</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(1,962</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">84,498</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(2,069</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;commercial</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,008</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(80</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,008</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(80</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total available for sale</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investment securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">14,454</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(153</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">144,966</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(3,474</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">159,420</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(3,627</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt"><U>December 31, 2018</U></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">Available for sale: </FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13,856</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(376</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13,856</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(376</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18,467</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(418</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">51,791</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,435</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">70,258</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,853</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,934</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(88</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,424</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(202</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,358</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(290</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;residential</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">34,813</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(533</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">56,317</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(2,467</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">91,130</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(3,000</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;commercial</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,182</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(117</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,182</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(117</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total available for sale</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investment securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">55,214</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(1,039</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">128,570</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(5,597</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">183,784</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(6,636</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">As of March 31, 2019, the Corporation's
investment securities portfolio consisted of 363 securities, 251 of which were in an unrealized loss position.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation reviews its securities portfolio
on a quarterly basis to determine whether unrealized losses are considered to be temporary or other-than-temporary. No other-than-temporary
impairment charges were recorded in the first quarter of 2019 or 2018. Because the decline in the market value is attributable
to changes in interest rates and illiquidity, and not credit quality and because the Corporation does not have the intent to sell
these available for sale investment securities and it is likely that it will not be required to sell these available for sale investment
securities before their anticipated recovery, the Corporation does not consider these available for sale investment securities
to be other than temporary impaired at March 31, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Net loans were as follows at:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">December 31,<BR>
2018</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 63%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">87,057</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">77,108</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">145,619</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136,951</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">14,665</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">105,622</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">104,611</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,432</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,551</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">387,395</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">363,861</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Less allowance for loan losses</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,690</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,697</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">385,705</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">362,164</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following tables present activity in the
allowance for loan losses and the recorded investment in loans, by portfolio segment and based on impairment method, for the period-ending:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Industrial</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Construction</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Residential</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Consumer</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Other</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Unallocated</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Total</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 36%"><FONT STYLE="font-size: 8.5pt"><U>March 31, 2019</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at beginning of period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">182</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">433</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">124</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">1,697</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(9</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">4</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">37</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(11</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(21</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans charged-off</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(42</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(42</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recoveries</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">19</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">35</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at end of period</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">187</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">437</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">162</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">227</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">193</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,690</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">48</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">48</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">187</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">389</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">162</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">227</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">193</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,642</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for loan losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">187</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">437</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">162</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">227</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">193</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,690</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Loans</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance: </FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">534</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">578</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">324</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">695</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">2,131</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">86,523</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">144,984</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">14,341</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">104,021</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">34,432</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">384,301</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans acquired with</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deteriorated credit quality</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">57</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">906</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">963</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">87,057</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">145,619</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">14,665</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">105,622</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">34,432</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">387,395</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Accrued interest receivable</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">186</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">655</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">290</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">58</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">99</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1,288</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total recorded investment</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">87,243</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">146,274</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">14,955</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">105,680</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">34,531</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">388,683</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Industrial</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Construction</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Residential</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Consumer</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Other</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Unallocated</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Total</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 36%"><FONT STYLE="font-size: 8.5pt"><U>December 31, 2018</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">51</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">51</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">182</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">382</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">124</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,646</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for loan losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">182</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">433</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">124</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,697</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">Loans:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">537</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">581</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">324</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">695</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">2,137</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">76,571</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">136,370</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">10,316</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">102,978</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">34,551</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">360,786</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans acquired with</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deteriorated credit quality</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">938</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">938</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">77,108</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">136,951</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">10,640</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">104,611</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">34,551</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">363,861</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">Accrued interest receivable</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">178</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">655</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">290</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">58</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">99</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1,280</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total recorded investment</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">77,286</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">137,606</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">10,930</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">104,669</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">34,650</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">365,141</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt"><U>March 31, 2018</U></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Allowance for loan losses:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at beginning of period</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">168</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">428</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">293</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">269</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">469</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">1,641</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">30</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">38</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(71</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(15</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">17</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans charged-off</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(73</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(73</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recoveries</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">29</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">102</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">133</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at end of period</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">199</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">430</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">52</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">251</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">283</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">486</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,701</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">199</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">430</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">38</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">251</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">283</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">486</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,687</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for loan losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">199</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">430</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">52</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">251</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">283</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">486</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,701</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank's portfolio segments include
commercial and industrial, commercial real estate, real estate construction, residential real estate, and consumer and other with
risk characteristics described as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Commercial and Industrial: </B>Commercial
and industrial loans generally possess a lower inherent risk of loss than real estate based portfolio segments because these loans
are generally underwritten to existing cash flows of operating businesses. Debt coverage is provided by business cash flows and
economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality
of these loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Commercial Real Estate: </B>Commercial
real estate loans generally possess a higher inherent risk of loss than other real estate based portfolio segments. Adverse economic
developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy
rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability
for the properties to produce sufficient cash flow to service debt obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Real Estate Construction: </B>Real
estate construction loans generally possess a higher inherent risk of loss than other real estate based portfolio segments. A major
risk arises from the necessity to complete projects within a specified cost and time line. Trends in the construction industry
significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate
values significantly impact the credit quality of these loans, as property values determine the economic viability of construction
projects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Residential Real Estate: </B>The
degree of risk in residential mortgage lending depends primarily on the loan amount in relation to collateral value, the interest
rate and the borrower's ability to repay in an orderly fashion. These loans generally possess a lower inherent risk of loss than
other real estate based portfolio segments. Economic trends determined by unemployment rates and other key economic indicators
are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay
their obligations may be deteriorating.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Consumer and Other: </B>The consumer
and other loan portfolio is usually comprised of a large number of small loans, including automobile, personal loans, credit cards,
etc. Most loans are made directly for consumer purchases. Economic trends determined by unemployment rates and other key economic
indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate the borrowers' capacity to
repay their obligations may be deteriorating.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank assigns a risk rating to all loans
except pools of homogeneous loans (residential real estate and consumer and other loans) and on a quarterly basis performs detailed
internal reviews of all such loans over a certain threshold to identify credit risks and to assess the overall collectability of
the portfolio. These risk ratings are also subject to examination by the Bank's regulators. During the internal reviews,
management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which the borrowers
operate and the fair values of collateral securing the loans. These credit quality indicators are used to assign a risk rating
to each individual loan. The risk ratings can be grouped into five major categories, defined as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Pass: </B>A pass loan is a credit
with no existing or known potential weaknesses deserving of management's close attention.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Special Mention (or Watch): </B>Loans
classified as special mention (watch) have a potential weakness that deserves management's close attention. If left uncorrected,
this potential weakness may result in deterioration of the repayment prospects for the loan or of the Bank's credit position
at some future date. Special mention (watch) loans are not adversely classified and do not expose the Bank to sufficient risk to
warrant adverse classification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Substandard: </B>Loans classified
as substandard are not adequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged,
if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the repayment of the debt. Well
defined weaknesses include a borrower's lack of marketability, inadequate cash flow or collateral support, failure to complete
construction on time, or the failure to fulfill economic expectations. Substandard loan are characterized by the distinct possibility
that the Bank will sustain some loss if the deficiencies are not corrected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Doubtful: </B>Loans classified
as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses
make collection or repayment in full, on the basis of currently existing facts, conditions, and values, highly questionable and
improbable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Loss: </B>Loans classified as
loss are considered uncollectible and are charged off immediately.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The majority of the Bank's homogeneous
loans (residential real estate and consumer and other loans) are comprised of secured loans that are evaluated at origination on
a centralized basis against standardized underwriting criteria. The ongoing measurement of credit quality of these loan portfolios
is largely done on an exception basis. If payments are made on schedule, as agreed, then no further monitoring is performed. However,
if delinquency occurs, the delinquent loans are turned over to the Bank's collection department for resolution, which generally
occurs fairly rapidly and often through repossession and foreclosure. Credit quality for the entire residential real estate and
consumer and other loan portfolios is measured by the periodic delinquency rate, nonaccrual amounts and actual losses incurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table shows the loans allocated
by management's internal risk ratings as of period-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Commercial Credit Risk Profile by Risk Rating</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Commercial<BR>
and<BR>
Industrial</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Commercial<BR>
Real<BR>
Estate</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Real<BR>
Estate<BR>
Construction</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 46%"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Risk Rating:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pass</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">86,004</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">144,588</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,706</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">244,298</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special mention (watch)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">857</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">637</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,818</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Substandard</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">196</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">394</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">635</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,225</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">87,057</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">145,619</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">14,665</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">247,341</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Risk Rating:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pass</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">76,218</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">135,737</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">9,992</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">221,947</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special mention (watch)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">873</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">691</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,888</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Substandard</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">17</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">523</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">864</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">77,108</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">136,951</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">10,640</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">224,699</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table shows the homogeneous loans allocated by payment
status as of period-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center">Consumer Credit Risk Profile by Payment Status</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Residential<BR>
Real<BR>
Estate</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Consumer<BR>
and<BR>
Other</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Payment activity:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Performing</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">104,344</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">34,249</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">138,593</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-performing</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,278</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">183</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,461</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">105,622</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">34,432</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">140,054</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Payment activity:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Performing</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">103,327</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">34,366</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">137,693</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-performing</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,284</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">185</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,469</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">104,611</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">34,551</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">139,162</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table shows an aging analysis
of the loan portfolio by portfolio segment and days past due as of period-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Current<BR>
(Accruing)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">30-89<BR>
Days Past<BR>
Due<BR>
(Accruing)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">More Than<BR>
89 Days<BR>
Past Due<BR>
(Accruing)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">More Than<BR>
89 Days<BR>
Past Due<BR>
(Nonaccrual)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Total<BR>
Loans</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 41%"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">86,944</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">78</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">87,057</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">145,455</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">164</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">145,619</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">14,665</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">14,665</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">103,967</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">377</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,278</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">105,622</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,231</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">18</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">183</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,432</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">385,262</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">637</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">35</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,461</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">387,395</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">76,968</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">75</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">65</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">77,108</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136,895</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136,951</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,568</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">72</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">103,048</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">279</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,284</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">104,611</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,345</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">21</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">185</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,551</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">361,824</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">503</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,534</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">363,861</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">G-21<!-- Field: Sequence; Type: Arabic; Name: PageNo --><!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table presents information related to impaired loans
by portfolio segment as of period-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Unpaid<BR>
Principal<BR>
Balance</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Related<BR>
Allowance for<BR>
Loan Losses</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with no related allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">534</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">534</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">99</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">99</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,652</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,652</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Loans with an allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">479</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">479</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">48</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">479</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">479</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">48</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,131</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,131</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">48</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><U>December 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with no related allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">537</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">537</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,656</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,656</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Loans with an allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">51</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">51</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,137</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,137</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">51</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES </B>(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">The following table presents information regarding average
balances of impaired loans and interest recognized on impaired loans for the three months ended March 31, 2019 and 2018:</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Average<BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Interest<BR>
Income<BR>
Recognized</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 68%"><U>March 31, 2019</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with no related allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">535</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">8</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,654</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Loans with an allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">7</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,135</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">33</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><U>March 31, 2018</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with no related allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,610</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">23</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,410</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">35</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">317</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">846</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">12</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,183</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">74</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Loans with an allowance for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">7</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,664</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">81</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The recorded investment in loans excludes
accrued interest receivable and loan origination fees, net due to immateriality. For purposes of this disclosure, the unpaid principal
balance is not reduced for partial charge-offs and the interest income recognized approximates the cash basis interest recognized.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">The Bank does not have material commitments to lend additional
funds to borrowers with loans whose terms have been modified in troubled debt restructurings or whose loans are on nonaccrual.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">There were no loans that were modified
in troubled debt restructurings during the three-month period ended March 31, 2019 or 2018. Additionally, there were no troubled
debt restructurings for which there was a payment default, whereby the borrower was past due with respect to principal and/or interest
for 90 days or more, during the 3-month period ended March 31, 2019 or 2018, that had been modified during the 12-month period
prior to the default. A loan is considered to be in payment default once it is 90 days contractually past due under the modified
terms.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES
</B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Purchased Credit Impaired (PCI) Loans:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation purchased loans, for which
there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that
all contractually required payments would not be collected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The contractual unpaid principal balance and carrying amount of
those loans is as follows as of:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">December 31,<BR>
2018</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 68%"><U>Contractual Unpaid Principal Balance</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">132</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">143</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">21</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,117</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,134</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,249</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,298</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Carrying amount, net of discounts and </FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;allowance for loan losses of $0 and $0</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">963</FONT></TD>
    <TD STYLE="font-family: Arial, Helvetica, Sans-Serif; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; font-family: Arial, Helvetica, Sans-Serif; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif">938</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">During the three-month period ended March 31,
2019 and 2018, $73 and $138, respectively, of discount on purchased credit impaired loans was accreted into interest income-loans
in the consolidated statements of income due to the payoff of certain purchase credit impaired loans during the year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 5 &ndash; EARNINGS PER SHARE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.05in 0 0; text-align: justify">Earnings per share (&quot;EPS&quot;)
are based on the weighted average number of shares outstanding during the period. For the three months ended March 31, 2019 and
2018, the Corporation did not have any dilutive securities. This results in the dilutive EPS being equivalent to the basic EPS.
A computation of basic earnings per share follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2019</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">March 31,<BR>
2018</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 66%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Net income available to common stockholders</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,716</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,544</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Weighted average common shares outstanding&nbsp;&nbsp;- basic and diluted</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,746,884</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">1,746,884</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Basic and diluted earnings per share</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">0.98</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">0.88</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 6 &ndash; BUSINESS COMBINATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">ChoiceOne Financial Services, the parent company
of ChoiceOne Bank, and County Bank Corp, the parent company of Lakestone Bank &amp; Trust, jointly announced on March 25, 2019
the signing of a definitive merger agreement pursuant to which County Bank Corp will combine with ChoiceOne Financial Services
in a strategic merger of equals. The agreement was approved by the boards of directors of both companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Under the terms of the merger agreement, each
share of County Bank Corp common stock outstanding immediately prior to completion of the merger will be converted into the right
to receive 2.0632 shares of ChoiceOne Financial Services common stock. The transaction is valued at approximately $50.96 per share
of County Bank Corp common stock, or approximately $89.0 million in the aggregate, based on the closing price of ChoiceOne Financial
Service's common stock of $24.70 on March 22, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO INTERIM CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 6 &ndash; BUSINESS COMBINATION</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Consummation of the proposed merger will require regulatory and
shareholder approval and the merger is currently expected to be completed in late 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;(Continued)</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>




<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">Lapeer, Michigan</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">December 31,
2018 and 2017</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">Lapeer, Michigan</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">CONSOLIDATED
FINANCIAL STATEMENTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">December 31,
2018 and 2017</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-weight: normal">CONTENTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 96%; text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">INDEPENDENT AUDITOR'S REPORT</FONT></TD>
    <TD STYLE="width: 4%; text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-28</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONSOLIDATED BALANCE SHEETS</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-30</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONSOLIDATED STATEMENTS OF INCOME</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-31</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-32</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-33</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;CONSOLIDATED STATEMENTS OF CASH FLOWS</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-34</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-weight: bold">&nbsp;</TD>
    <TD STYLE="text-align: right; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</FONT></TD>
    <TD STYLE="text-align: right; font-weight: bold"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-weight: normal">G-35</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal"></FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><FONT STYLE="font-weight: normal">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0"><IMG SRC="image_001.jpg" ALT="" STYLE="height: 48pt; width: 468pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">INDEPENDENT AUDITOR'S REPORT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Stockholders and Board of Directors</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">County Bank Corp</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Lapeer, Michigan</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Report on the Financial Statements </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We have audited the accompanying consolidated
financial statements of County Bank Corp, which comprise the consolidated balance sheets as of December 31, 2018 and 2017, and
the related consolidated statements of income, comprehensive income (loss), stockholders&rsquo; equity, and cash flows for the
years then ended, and the related notes to consolidated financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Management's Responsibility for
the Financial Statements</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Management is responsible for the preparation
and fair presentation of these consolidated financial statements in accordance with accounting principles generally accepted in
the United States of America; this includes the design, implementation, and maintenance of internal control relevant to the preparation
and fair presentation of consolidated financial statements that are free from material misstatement, whether due to fraud or error.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Auditor's Responsibility</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Our responsibility is to express an opinion
on these consolidated financial statements based on our audits. We conducted our audits in accordance with auditing standards generally
accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance
about whether the consolidated financial statements are free from material misstatement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">An audit involves performing procedures to
obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures selected depend
on the auditor's judgment, including the assessment of the risks of material misstatement of the consolidated financial statements,
whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity's
preparation and fair presentation of the consolidated financial statements in order to design audit procedures that are appropriate
in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity's internal control.
Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and
the reasonableness of significant accounting estimates made by management, as well as evaluating the overall presentation of the
consolidated financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">We believe that the audit evidence we have
obtained is sufficient and appropriate to provide a basis for our audit opinion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>&nbsp;</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B><I>Opinion</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">In our opinion, the consolidated financial
statements referred to above present fairly, in all material respects, the financial position of County Bank Corp as of December
31, 2018 and 2017, and the results of its operations and its cash flows for the years then ended in accordance with accounting
principles generally accepted in the United States of America.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: left; margin-bottom: 0; text-indent: 3.5in"><IMG SRC="image_002.jpg" ALT="" STYLE="height: 27pt; width: 101.35pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: left; margin-left: 3.5in">&nbsp;Crowe LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Grand Rapids, Michigan</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT>June 17, 2019</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
CONSOLIDATED BALANCE SHEETS<BR>
December 31, 2018 and 2017<BR>
(Dollars in Thousands except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 72%"><B>ASSETS</B></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">20,830</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">40,313</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">948</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">950</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Available for sale investment securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">195,112</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">181,589</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Restricted investment securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Net loans</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">362,164</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">342,898</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Premises and equipment, net</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,749</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,458</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Bank owned life insurance</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">16,109</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">15,741</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Core deposit intangible</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,199</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,551</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Accrued interest receivable and other assets</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">6,654</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">5,734</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">616,564</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">602,033</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><B>LIABILITIES AND STOCKHOLDERS' EQUITY</B></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Liabilities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest bearing</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">420,400</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">415,157</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">122,053</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">124,356</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">542,453</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">539,513</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Federal Home Loan Bank advances</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">11,000</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,521</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Federal funds purchased</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-&nbsp;&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-&nbsp;&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Accrued interest payable and other liabilities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,754</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,742</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">556,207</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">542,776</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Stockholders' equity</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common stock, $5 par value, 3,000,000 shares authorized,<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,746,884 and 1,746,884 shares issued and outstanding at<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;December 31, 2018 and 2017, respectively</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<BR>
8,734</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<BR>
8,734</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Surplus</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">25,933</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">25,933</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">30,860</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">27,436</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive loss</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(5,170</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(2,846</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">60,357</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">59,257</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">616,564</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">602,033</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to
consolidated financial statements.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
CONSOLIDATED STATEMENTS OF INCOME<BR>
Years ended December 31, 2018 and 2017<BR>
(Dollars in Thousands except per Share Data)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 70%">Interest income</TD>
    <TD STYLE="width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans (including fees)</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">17,956</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">16,836</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment securities:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,807</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,567</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-taxable</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,913</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,461</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">238</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">170</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">22,914</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">21,034</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Interest expense</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,763</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">909</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrowings</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">206</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">25</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,969</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">934</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><B>Net interest income</B></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">20,945</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">20,100</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Provision for loan losses</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><B>Net interest income after provision for loan losses</B></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">20,945</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">20,100</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Noninterest income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Services charges on deposit accounts</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,874</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,936</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain (loss) on sales or calls of investment securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(382</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(347</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain on sales of loans</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">164</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">338</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain on sales of other real estate owned</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">79</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">261</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings from bank owned life insurance</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">368</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">381</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">629</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">604</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interchange income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,560</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,487</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">939</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">893</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,231</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,553</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Noninterest expense</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9,588</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9,616</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Occupancy and equipment</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,964</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,813</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Advertising</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">304 </TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">221</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Professional fees</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">415</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">566</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Data processing</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,803</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,654</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory fees</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">252</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">302</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Electronic banking fees</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">809</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">753</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors' fees </TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">579</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">445</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Telecommunications expense</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">385</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">492</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Core deposit intangible amortization</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">352</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">385</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,589</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,780</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">18,040</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">18,027</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><B>Income before income tax expense</B></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">8,136</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7,626</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&#9;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Income tax expense</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,218</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,281</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><B>Net income</B></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">6,918</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,345</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Net income per basic share of common stock</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">3.96</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">3.06</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to
consolidated financial statements.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)<BR>
Years ended December 31, 2018 and 2017<BR>
(Dollars in Thousands)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 75%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 5%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><B>Net income</B></TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">6,918</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">5,345</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Other comprehensive income (loss):</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Available for sale investment securities:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unrealized holding gains (losses) arising during the year</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(3,326</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,398</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reclassification adjustment for net realized (gains) losses<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;included in net income (presented in net gain (loss) on sales or<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;calls of investment securities)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<BR>
382</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<BR>
347</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><B>Other comprehensive income (loss) before income tax benefit (expense)</B></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(2,944</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,745</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Income tax benefit (expense) related to other comprehensive<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;income (loss) (includes ($80) and ($118) of<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;income tax (benefit) expense related to reclassification<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;adjustments presented in income tax expense)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<BR>
<BR>
620</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<BR>
<BR>
(932</TD>
    <TD><BR>
<BR>
<BR>
)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total other comprehensive income (loss)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(2,324</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,813</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><B>Comprehensive income (loss)</B></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">4,594</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">7,158</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to
consolidated financial statements.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY<BR>
Years ended December 31, 2018 and 2017<BR>
(Dollars in Thousands except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 9pt">Common Stock</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 9pt">Retained</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><FONT STYLE="font-size: 9pt">Accumulated</FONT><BR>
<FONT STYLE="font-size: 9pt">Other</FONT><BR>
<FONT STYLE="font-size: 9pt">Comprehensive</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Total</FONT><BR>
<FONT STYLE="font-size: 9pt">Stockholders'</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Shares</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Amount</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Surplus</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Earnings</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Loss</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Equity</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 44%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, January 1, 2017</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,748,592</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8,743</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">25,992</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">24,455</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(4,190</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">55,000</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Net income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5,345</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5,345</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Other comprehensive income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,813</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,813</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Repurchase of common stock </FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1,708</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(9</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(59</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(68</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Stranded tax effect reclassification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">469</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(469</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Cash dividends paid ($1.62 per share)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(2,833</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(2,833</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, December 31, 2017</B></FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">27,436</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,846</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">59,257</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Net income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,918</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,918</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Other comprehensive loss</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,324</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,324</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Cash dividends paid ($2.00 per share)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(3,494</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(3,494</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><B>Balance, December 31, 2018</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">1,746,884</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">8,734</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">25,933</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">30,860</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">(5,170</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">60,357</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to
consolidated financial statements.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt/10.25pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP<BR>
CONSOLIDATED STATEMENTS OF CASH FLOWS<BR>
Years ended December 31, 2018 and 2017<BR>
(Dollars in Thousands)</P>

<P STYLE="font: 10pt/10.25pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 0.75pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2018</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">2017</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 79%"><FONT STYLE="font-size: 9pt"><B>Cash flows from operating activities</B></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,918</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">5,345</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjustments to reconcile net income to net cash</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;from operating activities:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Write-downs on other real estate owned</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Depreciation and amortization</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,138</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,082</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net amortization on investment securities</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,593</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,942</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net (gain) loss on sales or calls of investment securities</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">382</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">347</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain on sales of loans</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(164</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(338</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net gain on sales of other real estate owned</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(79</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(261</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Earnings from bank owned life insurance</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(368</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(381</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Origination of loans held for sale</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(5,694</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(14,241</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sales of loans held for sale</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,400</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">14,531</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net changes in operating assets and liabilities which</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provided cash:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable and other assets</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(385</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,694</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable and other liabilities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">1,012</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(1,143</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash from operating activities</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">10,751</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">8,577</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt"><B>Cash flows for investing activities</B></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from redemption of time deposits in other financial institutions</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Activity in available for sale investment securities:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchases</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(59,245</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(31,942</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maturities, prepayments, sales and calls</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">40,805</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">59,367</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase of restricted investment securities</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">(292</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase of bank owned life insurance</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan principal originations and collections, net</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">(20,016</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">(29,403</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sales of other real estate owned</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">371</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">824</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premises and equipment expenditures</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">(1,323</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">(1,143</FONT></TD>
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="font-size: 12pt"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sale of bank branch facility</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">226</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; font-size: 12pt; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="font-size: 12pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash for investing activities</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(39,182</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,589</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt"><B>Cash flows from financing activities</B></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acceptances and withdrawals of deposits, net</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,940</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">19,197</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from FHLBI overdraft line</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">10,000</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Repayment of FHLB advances</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(500)</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1,000</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds (repayment) from/of fed funds purchased </FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(3,000</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Repurchase of common stock</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(68</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash dividends paid</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(3,494</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">(2,833</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash from financing activities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">8,946</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">12,296</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Net change in cash and cash equivalents</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(19,483</FONT></TD>
    <TD><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18,284</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Cash and cash equivalents, beginning of year</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">40,313</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">22,029</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt"><B>Cash and cash equivalents, end of year</B></FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">20,830</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">40,313</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Supplemental cash flow information</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transfer of loans to other real estate owned</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">208</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">187</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans to facilitate sales of other real estate owned</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash paid for interest</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,943</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">988</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash paid for income taxes</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,206</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/10.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">See accompanying notes to
consolidated financial statements.</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/10.25pt Times New Roman, Times, Serif; margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/10.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/10.25pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Nature of Business and Principles of Consolidation</U>:
County Bank Corp (the Corporation) is independently owned and through its wholly owned subsidiary, Lakestone Bank &amp; Trust (the
Bank) is engaged in the business of retail and commercial banking services through its 13 full-service branches located in the
counties of Lapeer, Macomb, and St. Clair in the state of Michigan. All intercompany balances and transactions have been eliminated
in consolidation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Active competition, principally from other
commercial banks, savings banks and credit unions, exists in all of the Bank's primary markets. The Bank's results
of operations can be significantly affected by changes in interest rates or changes in the automotive and other manufacturing industries
which comprise a significant portion of the local economic environment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Concentration Risks</U>: The Bank's
primary deposit products are interest and noninterest-bearing checking accounts, savings accounts and time deposits and its primary
lending products are residential real estate loans, commercial loans of various types and consumer loans. The Bank does not have
significant concentrations with respect to any one industry, borrower, or depositor.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Regulatory Governance</U>: The Bank is a
state chartered bank and a member of the Federal Deposit Insurance Corporation (&ldquo;FDIC&rdquo;) Bank Insurance Fund and the
Federal Reserve System. The Bank is supervised and regulated by the Michigan Department of Insurance and Financial Services (&quot;DIFS&quot;),
the Federal Reserve Board (&quot;FRB&quot;), and undergoes periodic examinations by these regulatory authorities. The Corporation
is also subject to regulations of the Federal Reserve Board governing bank holding companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Subsequent Events</U>: The Corporation has
evaluated subsequent events for recognition and disclosures through <FONT>June 17, 2019</FONT>,
which is the date the consolidated financial statements were available to be issued.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Use of Estimates</U>: To prepare consolidated
financial statements in conformity with accounting principles generally accepted in the United States of America, management makes
estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the consolidated
financial statements and the disclosures provided, and actual results could differ.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Cash and Cash Equivalents</U>: For the purposes
of the consolidated statements of cash flows, cash and cash equivalents include cash, balances due from other financial institutions
and federal funds sold. Generally, federal funds are sold for a one-day period. The Bank maintains noninterest-bearing and interest-bearing
deposit accounts in various financial institutions which generally exceed the FDIC insured limits or are not insured. Management
does not believe the Corporation is exposed to any significant interest, credit or other financial risk as a result of these deposits.
The Corporation reports net cash flows for customer loan and deposit transactions and short-term borrowings such as federal funds
purchased.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Time Deposits in Other Financial Institutions</U>:
Time deposits in other financial institutions consist of $948 of FDIC insured certificates of deposit with contractual maturities
in 2020 ($948).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Available for Sale Investment Securities</U>:
Investment securities are classified as available for sale when they might be sold before maturity and are recorded at fair value,
with unrealized gains and losses, net of income tax benefit (expense), recorded in other comprehensive income (loss). Purchase
premiums and discounts are amortized or accreted into interest income investment securities on the level-yield method without anticipating
prepayments except for mortgage-backed securities where prepayments are anticipated. Realized gains or losses on the sale of investment
securities are recorded in noninterest income on the trade date and are determined using the specific identification method.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Management evaluates available for sale investment
securities for other-than-temporary impairment (&quot;OTTI&quot;) on at least an annual basis, and more frequently when economic
or market conditions warrant such an evaluation.&nbsp;For available for sale investment securities in an unrealized loss position,
management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the
issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a
security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent
or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment in the consolidated
statements of income.&nbsp;For available for sale investment securities that do not meet the aforementioned criteria, the amount
of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the consolidated
statements of income and 2) OTTI related to other factors, which is recognized in other comprehensive income (loss).&nbsp;The credit
loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis.
For equity securities, the entire amount of impairment is recognized in the consolidated statements of income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Restricted Investment Securities</U>: The
Bank is a member of the Federal Reserve Bank (&quot;FRB&quot;) and the Federal Home Loan Bank System of Indianapolis (&quot;FHLBI&quot;)
and is required to invest in capital stock of the FRB and the FHLBI. The amount of the required investment in the FRB is determined
by the FRB and is carried at cost based on the Bank's capital and surplus. The amount of required investment in the FHLBI
is based upon the available balance of the Bank's outstanding residential real estate loans or advances from the FHLBI and
is carried at cost plus the value assigned to stock dividends. These restricted investment securities are periodically evaluated
for impairment based upon the expected recovery of par value. Both cash and stock dividends on restricted investments securities
are recorded in interest income-investments securities taxable in the consolidated statements of income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Loans Held For Sale</U>: Loans originated
and held for sale in the secondary market are carried at the lower of cost or fair value in the aggregate as defined by outstanding
commitments from investors. Net unrealized losses, if any, are recognized through a valuation allowance of which the provision
is accounted for in the consolidated statements of income. As of December 31, 2018 and 2017, loans held for sale were $- and $542,
respectively, which were included in net loans in the consolidated balance sheets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Loans</U>: Loans that management has the
positive intent and ability to hold for the foreseeable future or until maturity or pay-off are generally reported at their outstanding
unpaid principal balances adjusted for charge-offs, the allowance for loan losses, purchase discounts, and any deferred fees or
costs on originated loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct
loan origination costs, are deferred and recognized as an adjustment of the related loan yield using the level-yield method.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The accrual of interest on commercial and industrial,
commercial real estate, real estate construction and residential real estate loans is discontinued at the time the loan is 90 days
past due unless the credit is well-secured and in process of collection. Consumer and other loans are typically charged off no
later than 180 days past due. Past due status is based on contractual terms of the loan. In all cases, loans are placed on non-accrual
or charged off at an earlier date if collection of principal and interest is considered doubtful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">All interest accrued in the current year but
not collected for loans that are placed on nonaccrual or are charged off, is reversed against interest income while interest accrued
but not collected in prior years is reversed against the allowance for loan losses. The interest on these loans is accounted for
on the cash-basis until qualifying for return to accrual status. Under the cash basis, interest income is recorded when the payment
is received in cash. Loans are returned to accrual status when all principal and interest amounts contractually due are brought
current and future payments are reasonably assured. For impaired loans not classified as nonaccrual, interest income is recognized
daily as it is earned according to the terms of the loan agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Nonperforming loans of the loan portfolio are
comprised of those loans accounted for on a nonaccrual basis, accruing loans contractually past due 90 days or more as to interest
or principal payments (120 days or more past due on residential real estate loans) and loans modified under troubled debt restructurings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Purchased Credit Impaired Loans (PCI):</U>
Certain loans acquired in the 2016 acquisition showed evidence of credit deterioration since origination. These purchased credit
impaired loans are recorded at fair value at acquisition in a business combination as there is no carryover of the seller's
allowance for loan losses. After acquisition, further losses are recognized by an increase in the allowance for loan losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Such purchased credit impaired loans are accounted
for individually. The Corporation estimates the amount and timing of expected cash flows for each purchased loan, and the expected
cash flows in excess of the amount paid is recorded as interest income over the remaining life of the loan (accretable yield).
The excess of the loan's contractual principal and interest over the expected cash flows is not recorded (nonaccretable difference).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Over the life of the loan, expected cash flows
continue to be estimated. If the present value of expected cash flows is less than the carrying amount, a loss is recorded as provision
for loan losses in the consolidated statements of income. If the present value of expected cash flows is greater than the carrying
amount, it is recognized as part of future interest income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Allowance for Loan Losses</U>: The allowance
for loan losses is a valuation allowance for probable incurred credit losses, increased by the provision for loan losses and decreased
by charge&#45;offs less recoveries. Management estimates the allowance for loan losses balance required using past loan loss experience,
the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic
conditions, and other factors. Allocations of the allowance for loan losses may be made for specific loans, but the entire allowance
for loan losses is available for any loan that, in management's judgment, should be charged&#45;off. Loan losses are charged
against the allowance for loan losses when management believes the uncollectibility of a loan balance is confirmed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The allowance for loan losses consists of two
primary components, specific reserves and general reserves. The specific component relates to loans that are individually classified
as impaired. The general component covers all other loans and is based on historical losses adjusted for current factors. The historical
loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Bank over the most
recent two years. The Bank places more emphasis, or weight, on the more current quarters in the loss history period. This actual
loss experience is adjusted for economic factors based on the risks present for each portfolio segment. These economic factors
include consideration of the following: levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs
and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other
changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant
staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.
These factors are inherently subjective and are driven by the repayment risk associated with each portfolio segment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank maintains a separate allowance for
loan losses reserve for each portfolio segment. These portfolio segments include commercial and industrial, commercial real estate,
real estate construction, residential real estate, and consumer and other with risk characteristics described as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Commercial and Industrial: </B>Commercial
and industrial loans generally possess a lower inherent risk of loss than real estate based portfolio segments because these loans
are generally underwritten to existing cash flows of operating businesses. Debt coverage is provided by business cash flows and
economic trends influenced by unemployment rates and other key economic indicators are closely correlated to the credit quality
of these loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Commercial Real Estate: </B>Commercial
real estate loans generally possess a higher inherent risk of loss than other real estate based portfolio segments. Adverse economic
developments or an overbuilt market impact commercial real estate projects and may result in troubled loans. Trends in vacancy
rates of commercial properties impact the credit quality of these loans. High vacancy rates reduce operating revenues and the ability
for the properties to produce sufficient cash flow to service debt obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Real Estate Construction: </B>Real
estate construction loans generally possess a higher inherent risk of loss than other real estate based portfolio segments. A major
risk arises from the necessity to complete projects within a specified cost and time line. Trends in the construction industry
significantly impact the credit quality of these loans, as demand drives construction activity. In addition, trends in real estate
values significantly impact the credit quality of these loans, as property values determine the economic viability of construction
projects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Residential Real Estate: </B>The
degree of risk in residential mortgage lending depends primarily on the loan amount in relation to collateral value, the interest
rate and the borrower's ability to repay in an orderly fashion. These loans generally possess a lower inherent risk of loss than
other real estate based portfolio segments. Economic trends determined by unemployment rates and other key economic indicators
are closely correlated to the credit quality of these loans. Weak economic trends indicate that the borrowers' capacity to repay
their obligations may be deteriorating.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Consumer and Other: </B>The consumer
and other loan portfolio is usually comprised of a large number of small loans, including automobile, personal loans, credit cards,
etc. Most loans are made directly for consumer purchases. Economic trends determined by unemployment rates and other key economic
indicators are closely correlated to the credit quality of these loans. Weak economic trends indicate the borrowers' capacity to
repay their obligations may be deteriorating.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in">There are no classes of loans identified within
the above mentioned portfolio segments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A loan is considered impaired when, based on
current information and events, it is probable that the Bank will be unable to collect the scheduled payments of principal or interest
when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include
payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that
experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines
the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances
surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior
payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan
basis for commercial and industrial, commercial real estate and real estate construction loans by either the present value of expected
future cash flows discounted at the loan's effective interest rate, the loans obtained market price, or the fair value of
the collateral, less estimated costs to sell, if the loan is collateral dependent. A loan is collateral dependent if its repayment
is expected to be provided solely by the underlying collateral.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Large groups of smaller balance homogeneous
loans are collectively evaluated for impairment. Accordingly, the Bank does not separately identify individual residential real
estate and consumer and other loans for impairment disclosures unless such loans are the subject of a troubled debt restructuring
agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank evaluates the credit quality of loans
in the residential real estate and consumer and other loan portfolio segments, based primarily on the aging status of the loan
and payment activity. Accordingly, nonaccrual loans, loans past due as to principal or interest 90 days or more and loans modified
under troubled debt restructurings past due in accordance with the loans&rsquo; original contractual terms, are considered in a
nonperforming status for purposes of credit quality evaluation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Under certain circumstances, the Bank will
provide borrowers relief through loan restructurings. A loan restructuring constitutes a troubled debt restructuring (&quot;TDR&quot;),
if for economic or legal reasons related to the borrower's financial difficulties, the Bank grants a concession to the borrower
that it would not otherwise consider. Troubled debt restructurings are separately identified for impairment disclosures and are
measured at the present value of estimated future cash flows using the loan's effective rate at inception. If a troubled
debt restructuring is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral.
For troubled debt restructurings that subsequently default, the Bank determines the amount of reserve in accordance with the accounting
policy for the allowance for loan losses on loans individually identified as impaired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank assigns a risk rating to all loans
except pools of homogeneous loans (residential real estate and consumer and other loans) and on a quarterly basis performs detailed
internal reviews of all such loans over a certain threshold to identify credit risks and to assess the overall collectability of
the portfolio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT
ACCOUNTING POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">These risk ratings are also subject to examination
by the Bank's regulators. During the internal reviews, management monitors and analyzes the financial condition of borrowers
and guarantors, trends in the industries in which the borrowers operate and the fair values of collateral securing the loans. These
credit quality indicators are used to assign a risk rating to each individual loan. The risk ratings can be grouped into five major
categories, defined as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Pass: </B>A pass loan is a credit
with no existing or known potential weaknesses deserving of management's close attention.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Special Mention (or Watch): </B>Loans
classified as special mention (watch) have a potential weakness that deserves management's close attention. If left uncorrected,
this potential weakness may result in deterioration of the repayment prospects for the loan or of the Bank's credit position
at some future date. Special mention (watch) loans are not adversely classified and do not expose the Bank to sufficient risk to
warrant adverse classification.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Substandard: </B>Loans classified
as substandard are not adequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged,
if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the repayment of the debt. Well
defined weaknesses include a borrower's lack of marketability, inadequate cash flow or collateral support, failure to complete
construction on time, or the failure to fulfill economic expectations. Substandard loan are characterized by the distinct possibility
that the Bank will sustain some loss if the deficiencies are not corrected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Doubtful: </B>Loans classified
as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses
make collection or repayment in full, on the basis of currently existing facts, conditions, and values, highly questionable and
improbable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify"><B>Loss: </B>Loans classified as
loss are considered uncollectible and are charged off immediately.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The majority of the Bank's homogeneous
loans (residential real estate and consumer and other loans) are comprised of secured loans that are evaluated at origination on
a centralized basis against standardized underwriting criteria. The ongoing measurement of credit quality of these loan portfolios
is largely done on an exception basis. If payments are made on schedule, as agreed, then no further monitoring is performed. However,
if delinquency occurs, the delinquent loans are turned over to the Bank's collection department for resolution. Credit quality
for the entire residential real estate and consumer and other loan portfolios is measured by the periodic delinquency rate, nonaccrual
amounts and actual losses incurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Although management believes the allowance
for loan losses to be appropriate, realized losses may vary from its estimates. At least quarterly, the Board of Directors reviews
the appropriateness of the allowance for loan losses, including consideration of the relevant risks in the portfolio, current economic
conditions and other factors. If the Board of Directors and management determine that changes are warranted based on those reviews,
the allowance for loan losses is adjusted. In addition, the Bank's primary regulators review the appropriateness of the allowance
for loan losses. The regulatory agencies may require changes to the allowance for loan losses based on their judgment about information
available at the time of their examination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Transfers of Financial Assets</U>: Transfers
of financial assets, including loans held for sale, as described above, are accounted for as sales when control over the assets
has been surrendered. Control over transferred assets is deemed to be surrendered when 1) the assets have been legally isolated
from the Bank, 2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to
pledge or exchange the transferred assets and 3) the Bank does not maintain effective control over the transferred assets through
an agreement to repurchase them before their maturity. Other than servicing, as disclosed in Note 6, the Bank has no continuing
involvement related to these loans that are sold. The Bank sold residential real estate loans to unrelated third parties with proceeds
of $6,400 and $14,531 during 2018 and 2017, respectively, which resulted in net gain on sales of loans of $164 and $338 in 2018
and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Servicing Rights</U>: When residential real
estate loans are sold with servicing retained, servicing rights are initially recorded at fair value at origination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Under the fair value measurement method, the
Corporation measures servicing rights at fair value at each reporting date and reports changes in fair value of servicing rights
in the consolidated statements of income in the period in which the changes occur, and are included in noninterest income-other
in the consolidated statements of income. The fair values of servicing rights are subject to fluctuations as a result of changes
in estimated and actual prepayment speeds and default rates and losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Servicing fee income is included in noninterest
income-other in the consolidated statements of income and is recorded for fees earned for servicing loans for others. The fees
are based on a contractual percentage of the outstanding principal, or a fixed amount per loan and are recorded as income when
earned. Servicing fee income earned on such loans was $240 and $262 during 2018 and 2017, respectively. Late fees and ancillary
fees related to servicing are not material.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Other Real Estate Owned</U>: Assets acquired
through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value, less estimated costs to sell,
on the date of transfer, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management
and the other real estate owned properties are carried at the lower of the carrying amount or fair value less estimated costs to
sell. Gains and losses on sales of other real estate owned and changes in the valuation allowance are included in noninterest income
in the consolidated statements of income. Other real estate owned of $508 and $592 is included in accrued interest receivable and
other assets in the consolidated balance sheets at December 31, 2018 and 2017, respectively. Other real estate owned as of both
year-end dates is presented net of a valuation allowance of $246. Expenses related to other real estate owned amounted to $13 and
$51 in 2018 and 2017, respectively, and are included in noninterest expense in the accompanying consolidated statements of income.
At December 31, 2018, real estate loans with a carrying value of approximately $863 were in the process of foreclosure.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Premises and Equipment</U>: Land is carried
at cost. Buildings and equipment are carried at cost, less accumulated depreciation which is computed principally by the straight-line
method based upon the estimated useful lives of the related assets, which range from 3 to 40 years. Major improvements are capitalized
and appropriately amortized based upon the useful lives of the related assets or the expected terms of the leases, if shorter,
using the straight-line method. Maintenance, repairs and minor alterations are charged to noninterest expense-occupancy and equipment
in the consolidated statements of income as expenditures occur. Management annually reviews these assets to determine whether carrying
values have been impaired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Bank Owned Life Insurance</U>: The Bank
has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be
realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or
other amounts due that are probable at settlement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Core Deposit Intangible</U>: Core deposit
intangibles arising from whole bank acquisition in 2016 were initially measured at fair value and are being amortized on an accelerated
method over their estimated useful life of 9 years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Loan Commitments and Related Financial Instruments</U>:
Financial instruments include off&#45;balance-sheet credit instruments, such as commitments to make loans and standby letters of
credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering
customer collateral or ability to repay. Such financial instruments are recorded when they are funded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Comprehensive Income (Loss)</U>: Comprehensive
income (loss) consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized
gains and losses on available for sale investment securities which is also recognized as a separate component of stockholders'
equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Fair Values of Financial Instruments</U>:
Fair values of financial instruments are estimated using relevant market information and other assumptions as discussed in a separate
note. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments,
and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions
could significantly affect the estimates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Loss Contingencies</U>: Loss contingencies,
including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood
of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there now are such
matters that will have a material effect on the consolidated financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Income Taxes</U>: Income tax expense is
the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets
and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of
assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the
amount expected to be realized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A tax position is recognized as a benefit only
if it is &quot;more likely than not&quot; that the tax position would be sustained in a tax examination, with a tax examination
being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized
on examination. For tax positions not meeting the &quot;more likely than not&quot; test, no tax benefit is recorded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation recognizes interest and/or
penalties related to income tax matters in income tax expense in the consolidated statements of income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Operating Segments</U>: While the Corporation
monitors the revenue streams of various products and services, operations and financial performance are evaluated on a company-wide
basis. Accordingly, all of the financial service operations are considered by management to be aggregated into one reportable operating
segment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT
ACCOUNTING POLICIES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Advertising Costs</U>: The cost of advertising
and promotions are expensed as incurred. The Corporation incurred $304 and $221 in advertising costs in 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/100% Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Net Income per Basic Share of Common
Stock</U>: Net income per basic share of common stock represents net income divided by the weighted average number of common shares
outstanding during the year, which was 1,746,884 for 2018 and 1,748,531 for 2017. The Corporation has no common stock equivalents.</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Reclassifications</U>: Certain amounts presented
in prior year consolidated financial statements have been reclassified to conform to the 2018 presentation. These reclassifications
had no impact on reported net income or stockholders' equity.</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/100% Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Adoption of New Accounting Standards:</U>
In February 2018, the FASB issued ASU 2018-02, &quot;Income Statement &ndash; Reporting Comprehensive Income (Topic 220), Reclassification
of Certain Tax Effects from Accumulated Other Comprehensive Income.&quot; This new ASU allows a reclassification from accumulated
other comprehensive income (loss) to retained earnings for stranded tax effects resulting from the Tax Cuts and Jobs Act. As a
result, this amended guidance eliminates the stranded tax effects due to the Tax Cuts and Job Act. This amended guidance is effective
for the Corporation on January 1, 2019, with early adoption permitted in any period for which financial statements have not yet
been issued. We elected to adopt this amended guidance during 2017 and it resulted in a $469 reclassification between accumulated
other comprehensive loss and retained earnings.</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/100% Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Adoption of New Accounting Standards:</U>
Effective January 1, 2018, the Corporation adopted ASU 2014-09 Revenue from Contracts with Customers and all subsequent amendments
to the ASU (collectively, &quot;ASC 606&quot;), which (i) creates a single framework for recognizing revenue from contracts with
customers that fall within its scope and (ii) revises when it is appropriate to recognize a gain (loss) from the transfer of nonfinancial
assets, such as OREO. ASC 606 was adopted using the modified retrospective method and there was no cumulative effect of adoption
on January 1, 2018. The majority of the Corporation's revenues come from interest income and other sources, including loans,
leases and securities, that are outside of the scope of ASC 606. The Corporation's services that fall within the scope of
ASC 606 are presented within Non-Interest Income and are recognized as revenue as the Corporation satisfies its obligation to the
customer. Services within the Scope of ASC 606 include service charges on deposits, interchange income, wealth management fees,
investment brokerage fees, and the sale of OREO.</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/100% Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Adoption of New Accounting Standards:</U>
Effective January 1, 2018, the Corporation adopted ASU 2016-01, Financial Instruments &ndash; Overall (Subtopic 825-10): Recognition
and Measurement of Financial Assets and Liabilities, and related Updates (collectively, ASU 2016-01). ASU 2016-01 makes revisions
to several elements of Subtopic 825-10, which include: (1) equity investments with readily determinable fair values are to be measured
at fair value with changes in fair value recognized in net income, (2) the impairment assessment of equity investments without
readily determinable fair values is simplified, and (3) public business entities are required to use the exit price notion when
measuring the fair value of financial instruments for disclosure purposes. Adoption of this standard had no impact on the Corporation's
financial condition or results of operations. The requirement to utilize the exit price notion affected the Corporation's
fair value disclosures which are presented in Note 2</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Recent Accounting Pronouncements Not Yet
Effective</U>: The FASB issued ASU No. 2016-13, Financial Instruments&mdash;Credit Losses (Topic 326): Measurement of Credit Losses
on Financial Instruments. This ASU provides financial statement users with more decision-useful information about the expected
credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date
by replacing the incurred loss impairment methodology in current generally accepted accounting principles (GAAP) with a methodology
that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>





<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 1 &ndash; BUSINESS AND SUMMARY OF SIGNIFICANT
ACCOUNTING POLICIES </B>(Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">to inform credit loss estimates. The new
guidance attempts to reflect an entity's current estimate of all expected credit losses and broadens the information that
an entity must consider in developing its expected credit loss estimate for assets measured either collectively or individually
to include forecasted information, as well as past events and current conditions. There is no specified method for measuring expected
credit losses, and an entity may apply methods that reasonably reflect its expectations of the credit loss estimate. Although an
entity may still use its current systems and methods for recording the allowance for credit losses, under the new rules, the inputs
used to record the allowance for credit losses generally will need to change to appropriately reflect an estimate of all expected
credit losses and the use of reasonable and supportable forecasts. Additionally, credit losses on available-for-sale debt securities
will have to be presented as an allowance rather than as a write-down. This ASU is effective for fiscal years beginning after December
15, 2020, and for interim periods within those years. Management is currently evaluating the impact of this new ASU on its consolidated
financial statements.</P>

<P STYLE="font: 10pt/97% Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Fair value refers to the price that would be
received to sell an asset or paid to transfer a liability (an exit price) in an orderly transaction between market participants
in the market in which the reporting entity transacts such sales or transfers based on the assumptions market participants would
use when pricing an asset or liability. Assumptions are developed based on prioritizing information within a fair value hierarchy
that gives the highest priority to quoted prices in active markets (Level 1) and the lowest priority to unobservable data, such
as the reporting entity's own data (Level 3).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A description of each category in the fair
value hierarchy is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">Level 1: Valuation is based upon
quoted prices for identical instruments traded in active markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">Level 2: Valuation is based upon
quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are
not active, and model-based valuation techniques for which all significant assumptions are observable in the market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-align: justify">Level 3: Valuation is generated
from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions
reflect the estimates of assumptions that market participants would use in pricing the asset or liability. The following is a description
of the valuation methodologies and key inputs used by the Corporation to measure financial assets recorded at fair value on a recurring
or non-recurring basis:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Available for sale investment securities are
recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices
are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as
the present value of future cash flows, adjusted for the security's credit rating, prepayment assumptions and other factors
such as credit loss and liquidity assumptions. Level 1 securities include those traded on an active exchange, such as the New York
Stock Exchange, that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 fair value
measurement is based upon quoted prices for like securities, if available. Level 2 securities include securities from government-sponsored
enterprises, state and municipal bonds, corporate debt securities, mortgage-backed securities, and trust preferred securities.
The Corporation did not hold any investment securities designated as Level 3 as of December 31, 2018 or 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of collateral dependent impaired
loans with specific allocations of the allowance for loan losses is generally based on recent real estate appraisals. These appraisals
may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments
are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income
data available and, further, adjustments to appraised values are made by management in response to market conditions and other
factors. Such adjustments are typically significant and result in a Level 3 classification of the inputs for determining fair value.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Upon transfer from the loan portfolio, other
real estate owned is recorded at fair value less estimated costs to sell and is subsequently carried at the lower of the initial
value or current fair value less estimated costs to sell. Fair value is based upon independent market prices, appraised values
of the collateral or management's estimation of the value of the collateral. When the fair value of the collateral is based
on an observable market price or a current appraised value, the Corporation classifies the other real estate owned as nonrecurring
Level 2. When a current appraised value is not available or management determines the fair value of the collateral is further impaired
below the appraised value and there is no observable market price, the Corporation classifies the other real estate owned as nonrecurring
Level 3.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Appraisals for both collateral-dependent impaired
loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential
appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation. Management
reviews the assumptions and approaches utilized in the appraisal. Management periodically evaluates the appraised values and will
discount a property's appraised value to account for a number of factors including but not limited to the cost of liquidating
the collateral, the age of the appraisal, observable deterioration since the appraisal, or other factors unique to the property.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of servicing rights is determined
based on market prices for comparable mortgage servicing contracts (Level 2), when available, or alternatively based on a valuation
model that calculates the present value of estimated future servicing income. The valuation model utilizes interest rate, prepayment
speed, and default rate assumptions that market participants would use in estimating future net servicing income and that can be
validated against available market date (Level 2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Assets Measured at Fair Value on a Recurring
Basis</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table sets forth by level, within
the fair value hierarchy, the recorded amount of assets measured at fair value on a recurring basis as of December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 1</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 2</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 3</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Available for sale investment securities:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,856</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,856</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78,453</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78,453</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,358</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,358</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">93,938</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">93,938</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,182</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,182</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Servicing rights</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">879</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">879</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets at fair value</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">195,991</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">195,991</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 1</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 2</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 3</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>2017</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Available for sale investment securities:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">15,177</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">15,177</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83,184</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83,184</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,594</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,594</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">75,640</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">75,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,669</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,669</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Servicing rights</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">878</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">878</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets at fair value</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">182,467</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">182,467</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Assets Measured at Fair Value on a Non-Recurring
Basis</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table sets forth by level, within
the fair value hierarchy, the recorded amount of assets measured at fair value on a nonrecurring basis as of December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 1</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 2</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Level 3</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate owned</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><U>2017</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other real estate owned</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">512</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">512</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">There were no impaired loans measured at fair
value on a non-recurring basis as of December 31, 2018 or 2017.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Other real estate owned as of December 31,
2018 and 2017 carried at fair value was $754 and $758 before a valuation allowance of $246 and $246, respectively, resulting in
charges of $0 for both years then ended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">As discussed previously, the fair values of
other real estate owned carried at fair value is determined by third party appraisals. Management makes adjustments to these appraised
values based on the age of the appraisal and the type of the property. The following table presents quantitative information about
level 3 fair value measurements for the larger classes of financial instruments measured at fair value on a non-recurring basis
at December 31, 2018 and 2017, respectively:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><BR>
<BR>
<FONT STYLE="font-size: 10pt"><U>2018</U></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Fair<BR>
Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Valuation<BR>
Technique</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Unobservable<BR>
Inputs</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Range<BR>
(Weighted<BR>
Average)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 23%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Other real estate owned -<BR>
&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">508</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Sales comparison<BR>
&nbsp;&nbsp;approach</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Management discount for<BR>
&nbsp;&nbsp;property type and recent<BR>
&nbsp;&nbsp;market volatility</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center"><BR>
41% (41%)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS</B> (Continued)</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify"><BR>
<BR>
<FONT STYLE="font-size: 10pt"><U>2017</U></FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Fair<BR>
Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Valuation<BR>
Technique</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Unobservable<BR>
Inputs</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Range<BR>
(Weighted<BR>
Average)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 16%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 23%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Other real estate owned -<BR>
&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">512</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Sales comparison<BR>
&nbsp;&nbsp;approach</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">Management discount for<BR>
&nbsp;&nbsp;property type and recent<BR>
&nbsp;&nbsp;market volatility</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center"><BR>
41% (41%)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Fair Value of Financial Instruments </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount and estimated fair value
of financial instruments, not recorded at fair value in their entirety on a recurring basis, were as follows at December 31 year-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Carrying<BR>
Amount</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Estimated<BR>
Fair Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Fair Value<BR>
Level</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Assets:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">20,830</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">20,830</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">948</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">950</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restricted investment securities</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">N/A</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">362,164</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">359,530</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 3</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,315</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,315</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Liabilities:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-maturing interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">367,214</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">367,214</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maturing interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">53,186</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">52,703</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">122,053</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">122,053</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FHLBI advances</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">11,000</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">11,007</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">81</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">81</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center">Assets at Fair Value</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Carrying<BR>
Amount</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Estimated<BR>
Fair Value</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center">Fair Value<BR>
Level</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: justify"><U>2017</U></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">Assets:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">40,313</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">40,313</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits in other financial institutions</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">950</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">950</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Restricted investment securities</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,799</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">N/A</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">342,898</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">344,834</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 3</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest receivable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,005</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">2,005</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">Liabilities:</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-maturing interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">350,055</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">350,055</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Maturing interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">65,102</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">65,311</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing deposits</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">124,356</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">124,356</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FHLBI advances</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">1,521</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">1,542</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest payable</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">55</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">55</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: center">Level 2</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 2 - FAIR VALUE MEASUREMENTS</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following methods and assumptions were
used to estimate fair value for financial instruments:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Cash and Cash Equivalents</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amounts of cash, balances due
from other financial institutions and federal funds sold approximate fair values (Level 1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Time Deposits in Other Financial Institutions</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount of time deposits in other
financial institutions is based on current rates for similar certificates of deposits (Level 2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Restricted Investment Securities</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">It is not practicable to determine the fair
value of Federal Reserve Bank Stock and Federal Home Loan Bank Stock due to restrictions placed on their transferability (N/A).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Net Loans</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The estimated fair value for loans in 2017
was based on the rates charged at December 31 for new loans with similar maturities applied until the loan is assumed to reprice
of be paid. The estimated fair value for loans in 2018 follows the guidance in ASU 2016-1 which prescribes an &quot;exit price&quot;
approach, which incorporates discounts for credit, liquidity and marketability. The allowance for loan losses is considered to
be a reasonable estimate of discount for credit quality concerns (Level 3).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Accrued Interest Receivable</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amounts reported in the consolidated
balance sheets for interest receivable approximate their fair values (Level 2)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Interest and Noninterest-Bearing Deposits</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair values of demand deposit accounts,
such as interest and noninterest-bearing checking, savings and money market accounts are equal to the amounts payable on demand.
The estimated fair value of deposits is based on comparing the average rate paid on deposits compared to the market rate the Bank
anticipates paying based on conditions in the market and surveys of competitor rates. (Level 2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>FHLB Advances</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The fair value of FHLB advances are based on the discounted value
of contractual cash flows using a current market interest rate for advances with similar maturities (Level 2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Federal Funds Purchased</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amounts reported in the consolidated
balance sheets for federal funds purchased approximate their fair values given the short-term duration of the borrowings (Level
1).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>Accrued Interest Payable</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amounts reported in the consolidated
balance sheets for interest payable approximate their fair values (Level 2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Commitments to Extend Credit, Standby Letters of Credit, and
Undisbursed Loans</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation's unused loan commitments,
standby letters of credit and undisbursed loans have no carrying amount and have been estimated to have no realizable fair value.
Historically, a majority of the unused loan commitments have not been drawn upon and, generally, the Corporation does not receive
fees in connection with these commitments (Level 3).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT SECURITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 8.25pt 0 0; text-align: justify">The amortized cost and fair value
of available for sale investment securities, including gross unrealized gains and losses, were as follows as of December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Amortized<BR>
Cost</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Gross<BR>
Unrealized<BR>
Gains</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Gross<BR>
Unrealized<BR>
Losses</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Fair<BR>
Value</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 50%; text-align: justify"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Available for sale:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">14,232</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">(376</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">13,856</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">81,223</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(2,853</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">78,453</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,648</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(290</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6,358</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,299</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(117</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,182</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">96,932</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(3,000</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">93,938</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">201,659</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">89</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">(6,636</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">195,112</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><U>2017</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Available for sale:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">15,503</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">(326</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">15,177</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">84,742</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">237</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1,795</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83,184</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,664</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">11</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(81</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,594</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,774</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(105</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,669</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">77,184</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">6</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(1,550</TD>
    <TD STYLE="text-align: justify">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">75,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">325</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">185,192</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">254</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">(3,857</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">181,589</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Other than government-sponsored enterprises
and mortgage-backed securities: residential, which are issued and guaranteed by US government agencies, we have no investments
in any discrete obligor that exceeds 10% of stockholders&rsquo; equity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Available for sale investment securities with
fair values of $43,641 and $58,724 at December 31, 2018 and 2017, respectively, were pledged to secure public deposits or for other
purposes as permitted or required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 8.2pt 0 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT SECURITIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The amortized cost and fair value of available
for sale investment securities grouped by contractual maturity at December 31, were as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Due in</FONT><BR>
<FONT STYLE="font-size: 9pt">One</FONT><BR>
<FONT STYLE="font-size: 9pt">Year</FONT><BR>
<FONT STYLE="font-size: 9pt">or Less</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Due After</FONT><BR>
<FONT STYLE="font-size: 9pt">One Year</FONT><BR>
<FONT STYLE="font-size: 9pt">Through</FONT><BR>
<FONT STYLE="font-size: 9pt">Five Years</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Due After</FONT><BR>
<FONT STYLE="font-size: 9pt">Five Years</FONT><BR>
<FONT STYLE="font-size: 9pt">Through</FONT><BR>
<FONT STYLE="font-size: 9pt">Ten Years</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Over</FONT><BR>
<FONT STYLE="font-size: 9pt">Ten</FONT><BR>
<FONT STYLE="font-size: 9pt">Years</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Securities</FONT><BR>
<FONT STYLE="font-size: 9pt">With Variable</FONT><BR>
<FONT STYLE="font-size: 9pt">Monthly</FONT><BR>
<FONT STYLE="font-size: 9pt">Payments</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<BR>
<FONT STYLE="font-size: 9pt">Total</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 50%; text-align: justify"><FONT STYLE="font-size: 9pt"><U>2018</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 5%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Available for sale:</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,003</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">12,229</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">14,232</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">273</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">9,972</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">34,861</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">36,117</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">81,223</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,626</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,022</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,648</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">96,932</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">96,932</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,299</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,299</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">325</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">325</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total amortized cost</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">2,276</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">26,827</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">36,883</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">36,442</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">99,231</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">201,659</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total fair value</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">2,245</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">26,156</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">35,758</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">34,832</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">96,121</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">195,112</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt"><U>2017</U></FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">Available for sale:</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">12,753</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,750</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15,503</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">661</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">9,450</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">42,604</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">32,027</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">84,742</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,558</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,076</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,664</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: residential</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">77,184</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">77,184</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities: commercial</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,774</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">2,774</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Trust preferred securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">325</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 9pt">325</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total amortized cost</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">661</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">24,791</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">47,430</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">32,352</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">79,958</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">185,192</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total fair value</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">663</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">24,450</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">46,778</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">31,389</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">78,309</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9pt">181,589</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Expected maturities may differ from contractual
maturities because issuers may have the right to call or prepay obligations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT SECURITIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Due to their variable monthly payments, both
residential and commercial mortgage-backed investment securities are not reported by a specific maturity group.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">During 2018 and 2017, proceeds from sales of
available for sale investment securities amounted to approximately $20,132 and $37,062, respectively. Gross realized gains amounted
to $6 and $29 during 2018 and 2017, respectively and gross realized losses amounted to $388 and $376 during 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Information pertaining to unrealized losses
on available for sale investment securities aggregated by investment category and the length of time that individual securities
have been in a continuous loss position at December 31 is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Less than 12 Months</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Over 12 Months</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Total</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Fair</FONT><BR>
<FONT STYLE="font-size: 9pt">Value</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Gross</FONT><BR>
<FONT STYLE="font-size: 9pt">Unrealized</FONT><BR>
<FONT STYLE="font-size: 9pt">Loss</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Fair</FONT><BR>
<FONT STYLE="font-size: 9pt">Value</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Gross</FONT><BR>
<FONT STYLE="font-size: 9pt">Unrealized</FONT><BR>
<FONT STYLE="font-size: 9pt">Loss</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9pt">Fair</FONT><BR>
<FONT STYLE="font-size: 9pt">Value</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9pt">Gross</FONT><BR>
<FONT STYLE="font-size: 9pt">Unrealized</FONT><BR>
<FONT STYLE="font-size: 9pt">Losses</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 47%"><FONT STYLE="font-size: 9pt"><U>2018</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">Available for sale: </FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13,856</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(376</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">13,856</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(376</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">18,467</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(418</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">51,791</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,435</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">70,258</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(2,853</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">1,934</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(88</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,424</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(202</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">6,358</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(290</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;residential</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">34,813</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(533</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">56,317</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(2,467</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">91,130</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(3,000</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;commercial</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,182</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(117</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,182</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(117</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total available for sale</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investment securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">55,214</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(1,039</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">128,570</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(5,597</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">183,784</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(6,636</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt"><U>2017</U></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">Available for sale: </FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Government-sponsored enterprises</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15,177</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(326</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">15,177</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(326</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;States and municipal</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">24,417</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(261</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">38,379</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1,534</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">62,796</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(1,795</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Corporate</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">505</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(10</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,070</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(71</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">4,575</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 9pt">(81</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;residential</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">14,375</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(204</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">59,460</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(1,346</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">73,835</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(1,550</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage-backed securities:</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;commercial</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">-</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,669</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(105</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">2,669</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(105</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total available for sale</FONT><BR>
<FONT STYLE="font-size: 9pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investment securities</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">39,297</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(475</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">119,755</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(3,382</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">159,052</FONT></TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><BR>
<FONT STYLE="font-size: 9pt">(3,857</FONT></TD>
    <TD STYLE="text-align: justify"><BR>
<FONT STYLE="font-size: 9pt">)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 3 &ndash; AVAILABLE FOR SALE INVESTMENT
SECURITIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">As of December 31, 2018, the Corporation's
investment securities portfolio consisted of 418 securities, 305 of which were in an unrealized loss position.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">At December 31, 2018, the Corporation held
87 mortgage-backed securities in an unrealized loss position of which 84 were issued by Ginnie Mae, Fannie Mae or Freddie Mac which
are U.S. government-sponsored agencies that the government has affirmed its commitment to support. The remaining 3 mortgage-backed
securities were issued by the Small Business Administration and are collateralized by commercial loans as opposed to residential
mortgage loans which collateralize the Ginnie Mae, Fannie Mae and Freddie Mac mortgage-backed securities. Additionally, the Corporation
held 7 government-sponsored enterprise securities, 10 corporate bonds, and 201 state and municipal securities in an unrealized
loss position. Because the decline in the market value is attributable to changes in interest rates and illiquidity, and not credit
quality and because the Corporation does not have the intent to sell these available for sale investment securities and it is likely
that it will not be required to sell these available for sale investment securities before their anticipated recovery, the Corporation
does not consider these available for sale investment securities to be other than temporary impaired at December 31, 2018.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Net loans were as follows at December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 65%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">77,108</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">64,973</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136,951</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">137,409</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,640</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,131</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">104,611</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">103,312</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,551</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">33,714</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">363,861</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">344,539</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Less allowance for loan losses</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,697</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,641</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">362,164</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">342,898</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following tables present activity in the
allowance for loan losses and the recorded investment in loans, by portfolio segment and based on impairment method, for the year-ending
and at December 31:</P>

<P STYLE="font: 8.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Industrial</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Construction</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Residential</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Consumer</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Other</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Unallocated</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Total</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 36%"><FONT STYLE="font-size: 8.5pt"><U>2018</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at beginning of year</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">168</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">428</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">293</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">269</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">469</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">1,641</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">25</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">29</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">38</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(64</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(43</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">15</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans charged-off</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(12</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(25</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(24</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(151</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(212</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recoveries</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">72</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">32</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">162</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">268</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at end of year</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">182</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">433</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">124</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,697</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">51</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">51</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">182</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">382</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">124</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,646</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acquired with deteriorated</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;credit quality</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for loan losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">182</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">433</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">124</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">237</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">484</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,697</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">Loans:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">537</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">581</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">324</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">695</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">2,137</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">76,571</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">136,370</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">10,316</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">102,978</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">34,551</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">360,786</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans acquired with</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deteriorated credit quality</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">938</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">938</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">77,108</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">136,951</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">10,640</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">104,611</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">34,551</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">363,861</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Accrued interest receivable</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">178</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">655</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">290</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">58</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">99</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">1,280</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total recorded investment</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">77,286</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">137,606</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">10,930</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">104,669</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">34,650</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">365,141</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 8.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 8.5pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 8.5pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">G-53<!-- Field: Sequence; Type: Arabic; Name: PageNo --><!-- Field: /Sequence --></TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Industrial</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Commercial</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Construction</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Residential</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Real</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Estate</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 8.5pt">Consumer</FONT><BR>
<FONT STYLE="font-size: 8.5pt">and</FONT><BR>
<FONT STYLE="font-size: 8.5pt">Other</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Unallocated</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<FONT STYLE="font-size: 8.5pt">Total</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 36%"><FONT STYLE="font-size: 8.5pt"><U>2017</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Allowance for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at beginning of year</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">102</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">621</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">51</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">181</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">248</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">481</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">1,684</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(42</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(204</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(53</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">151</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">160</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(12</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans charged-off</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(11</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(157</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(42</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(252</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">(462</FONT></TD>
    <TD><FONT STYLE="font-size: 8.5pt">)</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Recoveries</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">119</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">168</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">16</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">3</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">113</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">419</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance at end of year</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">168</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">428</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">293</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">269</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">469</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,641</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">18</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">18</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">168</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">410</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">293</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">269</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">469</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,623</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Acquired with deteriorated</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;credit quality</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for loan losses</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">168</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">428</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">14</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">293</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">269</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">469</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">1,641</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">Loans:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Ending balance:</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Individually evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,422</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">2,989</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">320</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">712</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">5,443</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;impairment</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">63,551</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">133,895</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">4,811</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">101,609</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">33,714</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">337,580</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans acquired with</FONT><BR>
<FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deteriorated credit quality</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">525</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">991</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><BR>
<FONT STYLE="font-size: 8.5pt">1,516</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans</FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">64,973</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">137,409</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">5,131</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">103,312</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">33,714</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-size: 8.5pt">344,539</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">Accrued interest receivable</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">159</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">518</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">20</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">200</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">99</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 8.5pt">996</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 8.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total recorded investment</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">65,132</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">137,927</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">5,151</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">103,512</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">33,813</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 8.5pt">345,535</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table shows the loans allocated
by management's internal risk ratings as of December 31 year-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center">Commercial Credit Risk Profile by Risk Rating</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Commercial<BR>
and<BR>
Industrial</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Commercial<BR>
Real<BR>
Estate</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Real<BR>
Estate<BR>
Construction</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 46%"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Risk Rating:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pass</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">76,218</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">135,737</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">9,992</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">221,947</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special mention (watch)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">873</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">691</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,888</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Substandard</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">17</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">523</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">864</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">77,108</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">136,951</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">10,640</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">224,699</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><U>2017</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Risk Rating:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pass</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">62,973</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">132,783</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">4,811</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">200,567</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special mention (watch)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,970</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,709</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">171</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,850</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Substandard</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">30</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">917</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">149</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,096</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">64,973</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">137,409</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,131</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">207,513</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table shows the homogeneous loans
allocated by payment status as of December 31 year-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="8" STYLE="border-bottom: Black 1pt solid; text-align: center">Consumer Credit Risk Profile by Payment Status</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Residential<BR>
Real<BR>
Estate</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Consumer<BR>
and<BR>
Other</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Total</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 61%"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Payment activity:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Performing</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">103,327</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">34,366</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">137,693</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-performing</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,284</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">185</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,469</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">104,611</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">34,551</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">139,162</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><U>2017</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Payment activity:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Performing</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">102,747</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">33,682</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">136,429</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-performing</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">565</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">32</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">597</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">103,312</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">33,714</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">137,026</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table shows an aging analysis
of the loan portfolio by portfolio segment and days past due as of December 31 year-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Current<BR>
(Accruing)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">30-89<BR>
Days Past<BR>
Due<BR>
(Accruing)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">More Than<BR>
89 Days<BR>
Past Due<BR>
(Accruing)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">More Than<BR>
89 Days<BR>
Past Due<BR>
(Nonaccrual)</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
Total<BR>
Loans</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 38%"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">76,968</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">75</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">65</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">77,108</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136,895</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">56</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136,951</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,568</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">72</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">10,640</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">103,048</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">279</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,284</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">104,611</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,345</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">21</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">185</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,551</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">361,824</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">503</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,534</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">363,861</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><U>2017</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">64,912</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">61</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">64,973</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">137,409</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">137,409</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,049</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">82</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">5,131</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">102,706</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">41</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">565</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">103,312</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">33,515</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">167</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">32</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">33,714</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">343,591</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">290</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">658</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">344,539</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table presents information related
to impaired loans by portfolio segment as of December 31 year-end:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Unpaid<BR>
Principal<BR>
Balance</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Related<BR>
Allowance for<BR>
Loan Losses</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Average<BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Interest<BR>
Income<BR>
Recognized</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%"><U>2018</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with no related allowance<BR>
&nbsp;&nbsp;for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">537</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">537</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">543</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">100</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">102</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">8</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">324</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">213</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">21</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">695</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">704</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">30</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,656</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,656</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,562</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">89</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with an allowance for loan<BR>
&nbsp;&nbsp;losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">51</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">463</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">25</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">481</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">51</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">463</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">25</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,137</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,137</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">51</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,025</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">114</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Unpaid<BR>
Principal<BR>
Balance</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Related<BR>
Allowance for<BR>
Loan Losses</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Average<BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Interest<BR>
Income<BR>
Recognized</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%"><U>2017</U></TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 12%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 9%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with no related allowance<BR>
&nbsp;&nbsp;for loan losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,422</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,422</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,452</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">83</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,176</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,176</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,275</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">136</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">320</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">320</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">336</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">20</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">712</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">712</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">634</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,630</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,630</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">4,697</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">266</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Loans with an allowance for loan<BR>
&nbsp;&nbsp;losses recorded:</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">813</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">813</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">18</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">834</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">48</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer and other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">813</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">813</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">18</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">834</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">48</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,443</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,443</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">18</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,531</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">314</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The recorded investment in loans excludes accrued
interest receivable and loan origination fees, net due to immateriality. For purposes of this disclosure, the unpaid principal
balance is not reduced for partial charge-offs and the interest income recognized approximates the cash basis interest recognized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank does not have material commitments
to lend additional funds to borrowers with loans whose terms have been modified in troubled debt restructurings or whose loans
are on nonaccrual.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A summary of loans that were modified in troubled
debt restructurings during 2018 and 2017 is as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<BR>
<BR>
Number of<BR>
Loans</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Pre-<BR>
Modification<BR>
Outstanding<BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">Post-<BR>
Modification<BR>
Outstanding<BR>
Recorded<BR>
Investment</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 42%"><U>2018</U></TD>
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 13%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD>
    <TD STYLE="width: 11%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">705</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">705</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><U>2017</U></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">644</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">644</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><BR>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table details the number of loans
and the recorded investment in loans considered to be troubled debt restructurings by type of modification made during 2018 and
2017:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Total Modifications</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9.5pt">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Principal Deferrals</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Interest Rate Reductions</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Principal Forgiveness</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-size: 9.5pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Number</FONT><BR>
<FONT STYLE="font-size: 9.5pt">of</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Loans</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9.5pt">Recorded</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Investment</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Number</FONT><BR>
<FONT STYLE="font-size: 9.5pt">of</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Loans</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9.5pt">Recorded</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Investment</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 9.5pt">Number</FONT><BR>
<FONT STYLE="font-size: 9.5pt">of</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Loans</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9.5pt">Recorded</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Investment</FONT></TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center"><BR>
<FONT STYLE="font-size: 9.5pt">Total</FONT><BR>
<FONT STYLE="font-size: 9.5pt">Modifications</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 35%"><FONT STYLE="font-size: 9.5pt"><U>2018</U></FONT></TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">705</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">705</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-size: 9.5pt"><U>2017</U></FONT></TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-size: 9.5pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">644</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">-</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><FONT STYLE="font-size: 9.5pt">644</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Modifications involving a deferral of principal
were for periods ranging from 12 months to 5 years. The troubled debt restructurings described above did not increase the allowance
for loan losses or result in any charge-offs during the years-ending December 31, 2018 and 2017.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">During 2018 one loan was in a default status.
There was not a charge off during 2018 with respect to the loan, however the loan was placed in a non-accrual status. During 2017,
there were no troubled debt restructurings for which there was a payment default, whereby the borrower was past due with respect
to principal and/or interest for 90 days or more, during the 12-months ended December 31, 2017 , that had been modified during
the 12-month period prior to the default. A loan is considered to be in payment default once it is 90 days contractually past due
under the modified terms.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Purchased Credit Impaired (PCI) Loans:</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation purchased loans, for which
there was, at acquisition, evidence of deterioration of credit quality since origination and it was probable, at acquisition, that
all contractually required payments would not be collected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The contractual unpaid principal balance and carrying amount of
those loans is as follows as of December 31, 2018 and 2017:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 96.75pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD><U>Contractual Unpaid Principal Balance</U></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD><B>&nbsp;</B></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD><B>&nbsp;</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 68%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial</FONT></TD>
    <TD STYLE="width: 1%; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="width: 8%; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD>
    <TD STYLE="width: 7%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="width: 8%; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">-</FONT></TD>
    <TD STYLE="width: 7%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">143</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">811</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate construction</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">21</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">21</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Residential real estate</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,134</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,182</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">1,298</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">2,014</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-underline-style: double">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-underline-style: double">&nbsp;</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; text-underline-style: double">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif">Carrying amount, net of discounts and</FONT><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;allowance for loan losses of $0 and $0</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;938</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right; font-family: Arial, Helvetica, Sans-Serif"><BR>
<FONT STYLE="font-family: Times New Roman, Times, Serif">1,516</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">During 2018 and 2017, $138 and $481 of discount
on purchased credit impaired loans was accreted into interest income-loans in the consolidated statements of income due to the
payoff of certain purchase credit impaired loans during the year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 5 - SERVICING</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation services loans for others which
generally consists of collecting mortgage payments, maintaining escrow accounts, disbursing payments to investors and taxing authorities,
and processing foreclosures. Loans serviced as of December 31, 2018 and 2017, approximated $88,888 and $99,650, respectively, of
which such loans are not included in the consolidated balance sheets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Activity for servicing rights during the years ended December 31:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 6%; font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 70%; font-weight: bold; text-align: justify"><FONT STYLE="font-weight: normal">Servicing rights:</FONT></TD>
    <TD STYLE="width: 1%; font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 8%; font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 6%; font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 7%; font-weight: bold; text-align: justify">&nbsp;</TD>
    <TD STYLE="width: 1%; font-weight: bold; text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Beginning of year</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">878</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">898</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change in fair value</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">1</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(20</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;End of year</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">879</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">878</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Fair value at year-end 2018 and 2017 was $879
and $878, respectively. Fair value at year-end 2018 was determined using discount rates ranging from 9.85% to 10.75%, prepayment
speeds ranging from 5.90% to 16.30%, depending on the stratification of the specific right, and a weighted average default rate
of 0.80%. . Fair value at year-end 2017 was determined using discount rates ranging from 9.25% to 11.00%, prepayment speeds ranging
from 5.71% to 17.95%, depending on the stratification of the specific right, and a weighted average default rate of 0.70%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 6 - PREMISES AND EQUIPMENT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Premises and equipment, net of accumulated
depreciation, consists of the following amounts at December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 67%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Land and improvements</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">2,544</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">2,608</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Buildings and improvements</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">8,935</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9,026</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Furniture and equipment</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">8,413</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7,880</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Construction in process</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">777</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">58</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">20,669</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">19,572</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Less accumulated depreciation</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">9,920</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">9,114</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premises and equipment, net</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">10,749</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">10,458</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Depreciation expense was $807 and $752 for 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">At December 31, 2018 and 2017, there were no
significant construction projects included in construction in process.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 7 &ndash; CORE DEPOSIT INTANGIBLE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: justify">Intangible assets consist of a core
deposit intangible with an acquisition date fair value of $2,063. Accumulated amortization at year end 2018 is $864. The amortization
expense was $352 and $385 for 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">Estimated amortization expense for each of the next five
years:</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 64%">2019</TD>
    <TD STYLE="width: 1%; text-align: right">$</TD>
    <TD STYLE="width: 5%; text-align: right">306</TD>
    <TD STYLE="width: 15%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>2020</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">261</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>2021</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">215</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>2022</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">169</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>2023</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">124</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 8 - DEPOSITS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The following is a summary of the distribution of deposits at December
31:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 67%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Money market and NOW accounts</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">224,322</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">206,668</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Savings</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">142,892</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">143,387</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Time, $250 and over</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">7,604</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">8,924</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Time, less than $250</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">42,890</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">52,458</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>CDARS*</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,692</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">3,720</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">420,400</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">415,157</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Noninterest-bearing</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">122,053</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">124,356</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">542,453</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">539,513</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in">(*)</TD><TD>The Certificate of Deposit Account Registry Service</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.25in; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 8 - DEPOSITS</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Interest expense on time deposits including
time deposits issued in denominations of $250 or more, less than $250, and CDARS was $368 in 2018 and $311 in 2017.</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Scheduled maturities of time deposits, including
CDARS, for each of the five years subsequent to December 31, 2018, are summarized as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><U>Year</U></TD>
    <TD COLSPAN="2" STYLE="text-align: center">Amount</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 61%">&nbsp;</TD>
    <TD STYLE="width: 1%; border-top: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; border-top: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 15%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>2019</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">34,512</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>2020</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">9,290</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>2021</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,560</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>2022</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,779</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>2023</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,045</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">53,186</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="text-underline-style: double">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 9 &ndash; BORROWINGS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.05in 0 0; text-align: justify">The Bank established lines of credit
for the purchase of federal funds with Comerica and Bank of Montreal each in the amount of $15,000. These are not committed facilities
and Comerica Bank and Bank of Montreal have the right to cancel the lines at any time at their discretion. The amount outstanding
on the line of credit at December 31, 2018 and 2017 was $0 and $0, respectively. The Bank has an established overdraft line of
credit with the FHLB in the amount of $10,000. At December 31, 2018 the bank had drawn the line $10,000 at a rate of 2.87%.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.05in 0 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The Bank also had advances from the FHLB at year end 2018 and 2017.
The advances at year-end 2018 and 2017 were as follows:</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 70%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Maturities through September 2019, fixed rate at 3.46%</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,000</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Maturities from September 2018 through September 2019, fixed<BR>
rate at rates from 2.67% to 3.46%, weighted average of 3.20%</TD>
    <TD STYLE="text-align: right"><BR>
$</TD>
    <TD STYLE="text-align: right"><BR>
-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
$</TD>
    <TD STYLE="text-align: right"><BR>
1,500</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The outstanding balance of FHLB advance as of December 31, 2017
includes $21 of purchase discount that will be accreted against interest expense during the remaining contractual terms of the
outstanding FHLB advances as of year-end 2018.</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Each advance is payable at its maturity date, with a prepayment
penalty for fixed rate advances. The advances were collateralized by residential real estate loans of $101,324 and $100,738 under
a blanket lien arrangement at year-end 2018 and 2017, respectively. Based on this collateral and the Bank's holdings of FHLB
stock, the Bank is eligible to borrow up to approximately $59,569 at year&#45;end 2018.</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Payment Information: Required payments based on contractual maturities
for FHLB advances:</P>

<P STYLE="font: 9pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 15%">&nbsp;</TD>
    <TD STYLE="width: 61%">2019</TD>
    <TD STYLE="width: 1%; text-align: right">$</TD>
    <TD STYLE="width: 8%; text-align: right">1,000</TD>
    <TD STYLE="width: 15%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Total</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,000</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 10 - INCOME TAXES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">On December 22, 2017, the Tax Cuts and Jobs
Act (H.R. 1) was signed into law. The law permanently reduced the corporate tax rate from 34% to 21% effective for tax years beginning
after December 31, 2017. Accounting Standards Codification (ASC) 740, requires the Corporation to account for the effects of this
change in the period when the legislation becomes law and recognize the amount as a component of income tax expense from continuing
operations in the period of enactment. The Corporation recorded $296 in additional income tax expense in 2017 to reflect the impact
on the value of the deferred tax asset using the new corporate rate. The net deferred tax asset reported in the consolidated balance
sheet for 2018 and 2017 is based on the new corporate tax rate of 21%</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The income tax expense consists of the following
components for the years ended December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 71%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Current tax expense</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,204</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,368</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Deferred tax expense</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">14</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">617</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Expense &ndash; tax reform</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">296</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax expense</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,218</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,281</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A reconciliation between income tax expense
reported and the amount computed by applying the statutory income tax rates of 21% and 34% in 2018 and 2017 to income before income
tax expense is as follows for the years ended December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 71%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Income tax expense at statutory</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">1,708</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">2,593</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Effect of tax-exempt interest income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(401</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(508</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Bank owned life insurance</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(77</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(130</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Expense related to tax reform</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">296</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Other &ndash; net</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(12</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">30</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax expense</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,218</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">2,281</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The net deferred income tax asset presented
in the accompanying consolidated balance sheets is comprised of the following amounts as of December 31:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%">Deferred tax assets</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-accrual interest</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">10</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">4</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred compensation</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">273</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">228</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net unrealized losses on available for sale<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investment securities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
1,374</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
756</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other liabilities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">145</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">116</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Business combination adjustments</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Alternative minimum tax credit carryforwards</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">346</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">408</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">91</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">78</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deferred tax assets</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,239</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">1,608</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 10 - INCOME TAXES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%">Deferred tax liabilities</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Servicing rights</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">185</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">184</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Depreciation</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">259</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">143</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accretion</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">71</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">61</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prepaid expenses</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">30</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">28</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan losses</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">138</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">292</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Business combination adjustments</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">52</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">15</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deferred tax liabilities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">750</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">723</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Net deferred tax asset</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">1,489</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">885</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">A valuation allowance related to deferred tax
assets is required when it is considered more likely than not that all or part of the benefits related to such assets will not
be realized. The Corporation believes it is more likely than not that all of its deferred tax assets as of December 31, 2018 will
be realized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation has evaluated the provisions
of ASC Topic 740, <I>Accounting for Uncertainty in Income Taxes. </I>The evaluation was performed for the years 2015 through 2018,
the years which remain subject to examination by major tax jurisdictions as of December 31, 2018. The Corporation concluded that
there are no significant uncertain tax positions requiring recognition in the Corporation's consolidated financial statements.
The Corporation does not expect the total amount of unrecognized tax benefits (&quot;UTB&quot;) (e.g. tax deductions, exclusions,
or credits claimed or expected to be claimed) to significantly change in the next 12 months. The Corporation does not have any
amounts accrued for interest and penalties related to UTBs at December 31, 2018 or 2017, and it is not aware of any claims for
such amounts by federal or state income tax authorities. The Corporation and its subsidiary are subject to U.S. federal income
tax. The Corporation is no longer subject to examination by taxing authorities for years before 2015.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 11 - RELATED PARTY TRANSACTIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><U>Loans</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">In the ordinary course of business, the Corporation
grants loans to certain directors, executive officers and their affiliates. Such loans aggregated to approximately $14,786 and
$11,698 as of December 31, 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 12 - OFF-BALANCE SHEET ACTIVITIES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation is a party to credit related
financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.
These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such
commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated
balance sheets. The Corporation's exposure to credit loss is represented by the contractual amount of these commitments.
The Corporation follows the same credit policy in making commitments, including requirements for collateral, as it does for on-balance-sheet
instruments. No significant losses are anticipated as a result of these commitments.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 12 - OFF-BALANCE SHEET ACTIVITIES</B> (Continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">At December 31, 2018 and 2017, the following
financial instruments were outstanding whose contract amounts represent potential credit risk:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center">Contract Amount</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 71%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Unfunded commitments under lines of credit</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">96,561</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">55,217</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>Commitments to grant loans</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">17,530</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">12,828</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>Commercial and standby letters of credit</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">72</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">82</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Unfunded commitments under commercial lines of credit, revolving home equity lines of credit and overdraft
protection agreements are commitments for possible future extensions of credit to existing customers. These commitments for lines
of credit may expire without being drawn upon. $27,517,218 of commitments outstanding at year end 2018 were commitments to make
loans at fixed rates. The fixed rate loan commitments have interest rate ranging from 4.25% to 7.00% and maturities ranging from
one year to 30 years.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Commitments to grant loans are agreements to
lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed
expiration dates or other termination clauses and may require payment of a fee. Commitments to grant loans are generally made for
periods of 180 days or less. The commitments may expire without being drawn upon. Therefore, the total commitment amounts do not
necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Corporation,
is based on management's credit evaluation of the customer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Commercial and standby letters of credit are
conditional commitments issued by the Corporation to guarantee the performance of a customer to a third party. These letters of
credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have
expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved
in extending loan facilities to customers. The Corporation considers standby letters of credit to be guarantees; however, as the
amount of the liability related to such guarantees on the commitment date is not significant, a liability related to such guarantees
is not recorded at December 31, 2018 or 2017.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 13 - REGULATORY REQUIREMENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><U>Capital Requirements</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank is subject to regulatory capital requirements
administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations,
involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting
practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital
requirements can initiate regulatory action. The final rules implementing Basel Committee on Banking Supervision's capital
guidelines for U.S. banks (Basel III rules) became effective for the Bank on January 1, 2015 with full compliance with all of the
requirements being phased in over a multi-year schedule and fully phased in by January 1, 2019. Under the Basel III rules, the
Bank must hold a capital conservation buffer above the adequately capitalized risk-based capital ratios. The capital conservation
buffer is being phased in from 0.00% in 2015 to 2.50% by 2019. The capital conservation buffer for 2018 is 1.875%. The net unrealized
gain or loss on available for sale investment securities is not included in computing regulatory capital. Management believes as
of December 31, 2018, the Bank meets all capital adequacy requirements to which they are subject.<BR STYLE="clear: both">
</P>

<P STYLE="font: 1pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><B>NOTE 13 - REGULATORY REQUIREMENTS</B> (Continued)</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Prompt corrective action regulations provide
five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically
undercapitalized, although these terms are not used to present the overall financial condition. If adequately capitalized, regulatory
approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and
expansion, and capital restoration plans are required. At year&#45;end 2018 and 2017, the most recent regulatory notifications
categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or
events since that notification that management believes have changed the Bank's category.</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Actual and required capital amounts, excluding the required capital
buffer, and ratios are presented below at December 31 year end.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><BR>
<BR>
<BR>
<BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">Actual</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><BR>
<BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">Minimum Required</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">For Capital</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">Adequacy Purposes</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="4" STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Minimum Required</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">To Be Well</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">Capitalized Under</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">Prompt Corrective</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">Action Regulations</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Amount</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Ratio</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Amount</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Ratio</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Amount</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: center; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">Ratio</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 46%; text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif"><U>2018</U></FONT></TD>
    <TD STYLE="width: 1%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 6%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 2%; text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 7%; text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Total capital to risk weighted assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">65,607</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">16.1</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">%</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">32,579</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">8.0</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">%</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">40,723</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">10.0</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Tier 1 capital to risk weighted assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">63,910</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">15.7</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">24,434</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">6.0</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">32,579</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">8.0</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Common equity Tier 1 to risk weighted</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">63,910</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">15.7</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">18,325</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">4.5</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">26,470</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">6.5</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Tier 1 capital to average assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">63,910</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">10.3</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">24,850</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">4.0</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">31,063</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">5.0</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif"><U>2017</U></FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Total capital to risk weighted assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">61,783</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">16.6</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">%</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">29,810</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">8.0</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">%</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">$</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">37,263</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">10.0</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">%</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Tier 1 capital to risk weighted assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">60,142</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">16.1</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">22,358</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">6.0</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">29,810</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">8.0</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Common equity Tier 1 to risk weighted</FONT><BR>
<FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">60,142</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">16.1</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">16,768</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">4.5</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">24,221</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">6.5</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;Tier 1 capital to average assets:</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank</FONT></TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">60,142</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">10.2</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">23,597</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">4.0</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">29,496</FONT></TD>
    <TD STYLE="text-align: justify; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD>
    <TD STYLE="text-align: right; font-family: Arial, Helvetica, Sans-Serif"><FONT STYLE="font: 9pt Times New Roman, Times, Serif">5.0</FONT></TD>
    <TD STYLE="text-align: left; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Restrictions on Cash and Cash Equivalents</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Bank is required by regulatory agencies
to maintain legal cash reserves based on the level of certain customer deposits. The required reserve balances were $6,897 and
$7,470 at December 31, 2018 and 2017, respectively.</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Restrictions on Dividends, Loans and Advances</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Federal and state banking regulations place
certain restrictions on the amount of loans or advances that can be extended to the Corporation by the Bank and dividends that
can be paid to the Corporation by the Bank. The total amount of dividends which may be paid at any date is generally limited to
the retained earnings of the Bank, and loans or advances are limited to 10% of the Bank's common stock and surplus on a secured
basis. In addition, dividends paid by the Bank to the Corporation would be prohibited if the effect thereof would cause the Bank's
capital to be reduced below applicable minimum capital requirements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 14 - EMPLOYEE BENEFIT PLANS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>401(k) Plan</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation sponsors a defined contribution
savings plan qualified under Section 401(k) of the Internal Revenue Code. Substantially all employees of the Corporation are covered
under the plan. The Corporation contributes up to 20% of employees pre-tax contributions, up to 5% of compensation. The cost of
the plan amounted to $55 and $34 in 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><U>Profit-sharing Plan</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Corporation maintains a defined contribution
profit-sharing plan in which all qualified employees participate. Contributions to the plan are made at the discretion of the Board
of Directors. Contributions to the plan were $696 and $552 in 2018 and 2017, respectively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 15 &ndash; PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Condensed financial information of County Bank
Corp follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CONDENSED BALANCE SHEETS<BR>
December 31</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 69%">ASSETS</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Cash and cash equivalents</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">40</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">60</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Investment in banking subsidiary</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">59,939</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">58,947</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Other assets</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">397</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">250</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">60,376</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">59,257</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>LIABILITIES AND EQUITY</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Accrued expense and other liabilities</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">19</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Shareholders' equity</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">60,357</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">59,257</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and shareholders' equity</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">60,376</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">59,257</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CONDENSED STATEMENTS OF INCOME<BR>
Years ended December 31</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 69%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Dividends from subsidiary</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">3,644</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">2,968</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Other income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">150</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Other expense</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(203</TD>
    <TD>)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(86</TD>
    <TD>)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Income before income tax<BR>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and undistributed subsidiary income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
3,591</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right"><BR>
2,885</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Income tax expense (benefit)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(11</TD>
    <TD>)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">83</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Equity in undistributed subsidiary income</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">3,316</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,543</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Net income</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">6,918</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">5,345</TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Continued)</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">COUNTY BANK CORP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">December 31, 2018 and 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in Thousands Except per Share Data)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 15 &ndash; PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION</B>
(Continued)</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">CONDENSED STATEMENTS OF CASH FLOWS<BR>
Years ended December 31</P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center">2018</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center">2017</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Cash flows from operating activities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">6,918</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">$</TD>
    <TD STYLE="text-align: right">5,345</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Adjustments</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Equity in undistributed subsidiary income</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(3,316</TD>
    <TD COLSPAN="2">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(2,543</TD>
    <TD COLSPAN="2">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change in other assets</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(147</TD>
    <TD COLSPAN="2">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">125</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Change in other liabilities</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">19</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">-</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash from operating activities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">3,474</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">2,927</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>Cash flows from financing activities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchase of common stock</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">-</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(68</TD>
    <TD COLSPAN="2">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends paid</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(3,494</TD>
    <TD COLSPAN="2">)</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">(2,833</TD>
    <TD COLSPAN="2">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash for financing activities</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(3,494</TD>
    <TD COLSPAN="2">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(2,901</TD>
    <TD COLSPAN="2">)</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Net change in cash and cash equivalents</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">(20</TD>
    <TD COLSPAN="2">)</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">26</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Beginning cash and cash equivalents</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">60</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">34</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>Ending cash and cash equivalents</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">40</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">$</TD>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right">60</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="width: 68%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 6%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 7%">&nbsp;</TD>
    <TD STYLE="width: 1%">&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>NOTE 16 &ndash; SUBSEQUENT EVENTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">ChoiceOne Financial Services, the parent company
of ChoiceOne Bank, and County Bank Corp, the parent company of Lakestone Bank &amp; Trust, jointly announced on March 25, 2019
the signing of a definitive merger agreement pursuant to which County Bank Corp will combine with ChoiceOne Financial Services
in a strategic merger of equals. The agreement was approved by the boards of directors of both companies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Under the terms of the merger agreement, each
share of County Bank Corp common stock outstanding immediately prior to completion of the merger will be converted into the right
to receive 2.0632 shares of ChoiceOne Financial Services common stock. The transaction is valued at approximately $50.96 per share
of County Bank Corp common stock, or approximately $89,000 in the aggregate, based on the closing price of ChoiceOne Financial
Service's common stock of $24.70 per share on March 22, 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Consummation of the proposed merger will require
regulatory and shareholder approval and the merger is currently expected to be completed in late 2019.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<P STYLE="font: 10pt/10.75pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>



<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B><A NAME="annexh"></A>ANNEX H</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B>RECONCILIATION
OF NON-GAAP FINANCIAL MEASURES </B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; background-color: white"><I>Reconciliation of
Comparative Per Share Data</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; background-color: white"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<B>ChoiceOne</B><BR>
<B>Historical</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<B>County</B><BR>
<B>Historical</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<BR>
<B>Pro Forma</B><BR>
<B>Combined</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>Equivalent</B><BR>
<B>Pro Forma</B><BR>
<B>Per Share</B><BR>
<B>of County</B></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="11" STYLE="text-align: center; line-height: 115%">(Amounts in thousands, except per share data)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 48%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 11%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Three Months ended March 31, 2019</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">82,702</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">64,057</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">173,209</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less goodwill and intangibles</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,966</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">48,170</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible book value</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">68,974</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">62,091</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">125,039</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Number of common shares outstanding</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3,619,510</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">7,223,681</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Book value per share</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.85</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">36.67</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">23.98</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">49.47</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible book value per share</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">19.06</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">35.54</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">17.31</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">35.71</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Year ended December 31, 2018</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">80,477</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">60,357</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">167,214</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less goodwill and intangibles</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,078</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">48,486</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible book value</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">66,749</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">58,279</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">118,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Number of common shares outstanding</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3,616,483</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">7,220,654</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Book value per share</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.25</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">34.55</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">23.16</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">47.78</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tangible book value per share</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">18.46</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">33.36</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">16.44</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">33.92</TD></TR>
</TABLE>


<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; background-color: white"><BR></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><BR>
<BR>
</P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; background-color: white"><I>ChoiceOne Reconciliation
of Non-GAAP Financial Measures</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; background-color: white"><B>&nbsp;</B></P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>three months</B><BR>
<B>ended March 31,</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><BR>
<B>As of and for the years</B><BR>
<B>ended December 31,</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 48%; line-height: 115%"><I>($ in thousands, except per share data)</I></TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 10%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="width: 2%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%"><B>Net interest margin on a fully taxable basis:</B></TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Net interest margin (GAAP)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Net interest income</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">5,496</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">5,307</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">22,064</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">20,563</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Average interest-earning assets</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">608,482</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">572,516</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">582,459</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">575,199</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Net interest margin</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.61</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.71</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.79</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.57</TD>
    <TD STYLE="line-height: 115%">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Net interest income</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">5,496</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">5,307</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">22,064</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">20,563</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Plus impact of fully tax equivalent adjustment</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">102</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">98</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">398</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">548</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Net interest income on a fully tax equivalent<BR>
&nbsp;&nbsp;&nbsp;basis</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">5,598</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">5,405</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">22,462</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">21,111</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Net interest margin on a fully tax equivalent<BR>
&nbsp;&nbsp;&nbsp;basis&nbsp;(Non-GAAP)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.68</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.78</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.86</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3.67</TD>
    <TD STYLE="line-height: 115%">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><B>Tangible common equity ratio:</B></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Common shareholders' equity</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">82,702</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">75,614</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">80,477</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">76,550</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Less intangible assets</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Tangible common equity</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">68,974</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">61,886</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">66,749</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">62,822</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Total assets</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">670,420</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">622,742</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">670,544</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">646,544</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Less intangible assets</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right; line-height: 115%">13,728</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Tangible assets</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">656,692</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">609,014</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">656,816</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">632,816</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Common equity ratio</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">12.34</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">12.14</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">12.00</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">11.84</TD>
    <TD STYLE="line-height: 115%">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Tangible common equity ratio</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">10.50</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">10.16</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">10.16</TD>
    <TD STYLE="line-height: 115%">%</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">9.93</TD>
    <TD STYLE="line-height: 115%">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%"><B>Tangible common equity per share of</B><BR>
<B>&nbsp;&nbsp;&nbsp;common stock:</B></TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Common shareholders' equity</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">82,702</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">75,614</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">80,477</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">76,550</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Tangible common equity</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">68,974</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">61,886</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">66,749</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">62,822</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Common stock shares outstanding (1)</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3,619,510</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3,611,829</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3,616,483</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">3,620,997</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="line-height: 115%">Common equity per share of common stock</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.85</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">20.94</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">22.25</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">21.14</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="line-height: 115%">Tangible common equity per share of common<BR>
&nbsp;&nbsp;&nbsp;stock</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">19.06</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">17.13</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">18.46</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD>
    <TD STYLE="text-align: right; line-height: 115%">$</TD>
    <TD STYLE="text-align: right; line-height: 115%">17.35</TD>
    <TD STYLE="line-height: 115%">&nbsp;</TD></TR>
</TABLE>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 4%; line-height: 115%">(1)</TD>
    <TD STYLE="vertical-align: bottom; width: 96%; text-align: justify; line-height: 115%">Shares outstanding for the three months ended March 31, 2018 and the year ended December 31, 2017 have been adjusted for the 5% stock dividend paid in May 2018.</TD></TR>
</TABLE>
<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; background-color: white"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt"><BR>
</P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 6pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">H-2</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 6pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt/115% Times New Roman, Times, Serif; margin: 0 0 10pt">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0; background-color: white"><I>County Reconciliation of Non-GAAP
Financial Measures</I></P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt/normal Times New Roman, Times, Serif; margin: 0 0 0 0.5in; background-color: white"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the</B><BR>
<B>three months</B><BR>
<B>ended March 31,</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="5" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>As of and for the years</B><BR>
<B>ended December 31,</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><I>($ in thousands, except&nbsp;per share data)</I></TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2019</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2018</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: center; line-height: 115%"><B>2017</B></TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 50%; line-height: 115%"><B>Net interest margin on a fully taxable basis:</B></TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 3%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 2%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; width: 9%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 1%; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest margin (GAAP)</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,438</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,205</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,945</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,100</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Average interest earning assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">578,363</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">565,200</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">569,333</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">546,979</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest margin</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.76</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.68</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.68</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.66</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,438</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,205</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,945</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,100</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Plus: impact of fully tax equivalent adjustment</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">113</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">126</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">506</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">729</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest income on a fully tax equivalent<BR>
&nbsp;&nbsp;&nbsp;basis</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,551</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,331</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">21,451</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,829</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest margin on a fully tax equivalent<BR>
&nbsp;&nbsp;&nbsp;basis (Non-GAAP)</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.84</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.77</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.77</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">3.81</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">%</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Tangible common equity ratio:</B></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Common shareholders&rsquo; equity</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">64,057</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">57,371</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">60,357</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">59,257</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Less: intangible assets</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,966</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,341</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,078</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,429</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tangible common equity</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">62,091</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">55,030</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">58,279</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">56,828</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Total assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">636,812</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">614,843</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">616,564</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">602,033</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Less: intangible assets</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">1,966</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,341</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,078</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">2,429</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tangible assets</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">634,846</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">612,502</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">614,486</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">599,604</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Common equity ratio</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">10.06</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.33</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.79</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.84</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tangible common equity ratio</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.78</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">8.98</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.48</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">9.48</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Tangible common equity per share of</B><BR>
<B>&nbsp;&nbsp;&nbsp;common stock:</B></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Common shareholders&rsquo; equity</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">64,057</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">57,371</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">60,357</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">59,257</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tangible common equity</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">62,091</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">55,030</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">58,279</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">56,828</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Shares of common stock</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,746,884</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Common equity per share of common stock</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">36.67</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">32.84</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">34.55</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">33.92</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Tangible common equity per share of common<BR>
&nbsp;&nbsp;&nbsp;stock</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">35.54</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">31.50</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">33.36</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">32.53</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%"><B>Adjusted efficiency ratio:</B></TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Net interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,438</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,205</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,945</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">$</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">20,100</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Non interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,341</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,445</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,231</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,553</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Add back: net losses on sales of securities</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">382</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">347</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Less: net gains on sale of assets</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">0</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(61</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">)</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(105</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">)</TD>
    <TD STYLE="vertical-align: top; text-align: right; border-bottom: Black 1pt solid; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; border-bottom: Black 1pt solid; text-align: right; line-height: 115%">(261</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">)</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Adjusted non interest income</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,341</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">1,384</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,508</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">5,639</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Non interest expense</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">4,769</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">4,838</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">18,040</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">18,027</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Efficiency ratio</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.35</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">72.75</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">68.92</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.27</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="white-space: nowrap; vertical-align: bottom; line-height: 115%">Adjusted efficiency ratio</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.35</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">73.43</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">68.20</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD>
    <TD STYLE="vertical-align: top; text-align: right; line-height: 115%">&nbsp;</TD>
    <TD STYLE="white-space: nowrap; vertical-align: bottom; text-align: right; line-height: 115%">70.04</TD>
    <TD STYLE="vertical-align: top; line-height: 115%">%</TD></TR>
</TABLE>


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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
