<SEC-DOCUMENT>0001140361-22-037743.txt : 20221019
<SEC-HEADER>0001140361-22-037743.hdr.sgml : 20221019
<ACCEPTANCE-DATETIME>20221019085802
ACCESSION NUMBER:		0001140361-22-037743
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20221018
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20221019
DATE AS OF CHANGE:		20221019

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000739421
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232265045
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-41410
		FILM NUMBER:		221317295

	BUSINESS ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
		BUSINESS PHONE:		570-662-0444

	MAIL ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
</SEC-HEADER>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 12pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pursuant to Section 13 or 15(d)</div>

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">of the Securities Exchange Act of 1934</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Exact name of Registrant as Specified in Its Charter)</div>

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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Former Name or Former Address, if Changed Since Last Report)</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions
        (see General Instructions A.2. below):</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

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    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0);">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
            </td>

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              <div style="color: rgb(0, 0, 0);">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0);">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
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    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0);">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
            </td>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

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    <td style="width: 33.31%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Title of each class</span></div>
            </td>

    <td style="width: 34%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Trading symbol</span></div>
            </td>

    <td style="width: 33.34%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Name of each exchange on which registered</span></div>
            </td>

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    <td style="width: 33.31%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_21be992692eb4143b0f6dd601752a72a" contextRef="c20221018to20221018">Common Stock, Par Value $1.00 Per Share</ix:nonNumeric><br />
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    <td style="width: 34%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt; text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_6160e1c647d24b419742f02d3e2681dc" contextRef="c20221018to20221018">CZFS</ix:nonNumeric></td>

    <td style="width: 33.34%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_34a91556342048a7871d4804a8f32a02" contextRef="c20221018to20221018" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br />
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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter)
        or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_3e118a8e38af48dd8f3a85e02c84d0b0" contextRef="c20221018to20221018" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised
        financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
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    <td style="width: 54pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 1.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">Entry into a Material Definitive Agreement.</div>
            </td>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">On October 18, 2022, Citizens Financial Services, Inc., a Pennsylvania corporation (the &#8220;Company&#8221; or &#8220;CZFS&#8221;) entered into an Agreement and Plan of Merger (the &#8220;Merger
        Agreement&#8221;) with HV Bancorp, Inc. (&#8220;HVBC&#8221;), Huntingdon Valley Bank (&#8220;HVB&#8221;), HVBC&#8217;s subsidiary bank, First Citizens Community Bank (&#8220;FCCB&#8221;), the Company&#8217;s subsidiary bank, and CZFS Acquisition Company, LLC, FCCB&#8217;s direct shareholder, pursuant to
        which the Company will acquire HVBC.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Subject to the terms and conditions of the Merger Agreement, which has been approved by the boards of directors of each party, HVBC will merge with and into the Company,
        with the Company as the surviving entity (the &#8220;Merger&#8221;), and immediately thereafter, HVB will merge with and into FCCB, with FCCB as the surviving bank.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement provides that shareholders of HVBC will have the right to elect to receive, for each share of HVBC common stock, either (x) $30.50 in cash or (y)
        0.4000 shares of Company common stock. Elections will be subject to proration procedures whereby 80% of the shares of HVBC common stock will be exchanged for Company common stock and 20% of the shares of HVBC common stock will be exchanged for
        cash.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The Merger is subject to customary closing conditions, including (1) the receipt of regulatory approvals, (2) the approval of the Merger by the shareholders of HVBC, (3)
        the effectiveness of the registration statement on Form S-4 for the Company common stock issued in the Merger, (4) the approval for listing on Nasdaq for the Company common stock to be issued in the Merger, and (5) the absence of any order, decree
        or injunction preventing the completion of the Merger. The Merger is expected to close in the first half of 2023.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Following the Merger, Travis J. Thompson, currently the Chairman and Chief Executive Officer of HVBC, and Robert J. Marino, currently the President of HVBC, will be
        employed as senior officers of FCCB. Effective at the closing of the transaction, one member of the current board of directors of HVBC will be appointed to the board of directors of the Company, to serve until the next annual meeting of the
        Company, at which time the director will be nominated for re-election, and two members of the current board of directors of HVB will be appointed to the board of directors of FCCB, to serve until the next annual meeting of FCCB at which time the
        directors will be nominated for re-election.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">The Merger Agreement provides certain termination rights for both HVBC and the Company and</span><span style="font-family: 'Times New Roman'; font-size: 10pt;"> further provides that if the Merger is not consummated under specified circumstances, HVBC may be required to pay the Company a termination fee of approximately $2.7 million.</span></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement also contains customary representations and warranties that the Company and HVBC made to each other as of specific dates. The assertions embodied in
        those representations and warranties were made solely for purposes of the contract between the Company and HVBC, and may be subject to important qualifications and limitations agreed to by the parties in connection with negotiating its terms.
        Moreover, the representations and warranties are subject to a contractual standard of materiality that may be different from what may be viewed as material to shareholders, and the representations and warranties may have been used to allocate risk
        between the Company and HVBC rather than establishing matters as facts. Each party has also agreed to customary covenants, including, among others, covenants relating to the conduct of HVBC&#8217;s and the Company&#8217;s businesses during the interim period
        between the execution of the Merger Agreement and the effective time of the Merger and, in the case of HVBC, its obligation to call a meeting of its shareholders to adopt the Merger Agreement, its obligation, subject to certain exceptions, to
        recommend that its shareholders approve the Merger Agreement and the Merger, and its non-solicitation obligations relating to alternative acquisition proposals.</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br />
      </div>

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      </div>

      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">The foregoing description of the Merger Agreement does not purport to be complete and is
          qualified in its entirety by reference to the full text of the Merger Agreement, which is attached hereto as Exhibit 2.1 and is incorporated herein by reference. The representations, warranties and covenants of each party set forth in the Merger
          Agreement have been made only for purposes of, and were and are solely for the benefit of the parties to, the Merger Agreement, may be subject to limitations agreed upon by the contracting parties, including being qualified by confidential
          disclosures made for the purposes of allocating contractual risk between HVBC and CZFS instead of establishing these matters as facts, and may be subject to standards of materiality applicable to the contracting parties that differ from those
          applicable to investors. Accordingly, the representations and warranties may not describe the actual state of affairs at the date they were made or at any other time, and investors should not rely on them as statements of fact. In addition, such
          representations and warranties (1) will not survive consummation of the Merger, unless otherwise specified therein, and (2) were made only as of the date of the Merger Agreement or such other date as is specified in the Merger Agreement.
          Moreover, information concerning the subject matter of the representations and warranties may change after the date of the Merger Agreement, which subsequent information may or may not be fully reflected in the parties&#8217; public disclosures.
          Accordingly, the Merger Agreement is included with this filing only to provide investors with information regarding the terms of the Merger Agreement, and not to provide investors with any other factual information regarding HVBC or CZFS, their
          respective affiliates or their respective businesses. The Merger Agreement should not be read alone, but should instead be read in conjunction with the other information regarding HVBC, CZFS, their respective affiliates or their respective
          businesses, the Merger Agreement and the Merger that will be contained in, or incorporated by reference into, the Registration Statement on Form S-4 that will include a proxy statement of HVBC and a prospectus of CZFS, as well as in the Annual
          Reports on Form 10-K, Quarterly Reports on Form 10-Q and other filings that each of HVBC and CZFS make with the Securities and Exchange Commission (the &#8220;SEC&#8221;).</span></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">The Voting Agreement</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Concurrently with entering into the Merger Agreement, the Company entered into Voting Agreements with each of the directors and certain of the executive officers of HVBC
        (the &#8220;Voting Agreements&#8221;), pursuant to which, among other things, such shareholders agreed to vote their shares of HVBC in favor of the Merger. <span style="color: rgb(0, 0, 0);">The foregoing description of the Voting Agreements does not purport
          to be complete and is qualified in its entirety by reference to the form of Voting Agreement, which is attached to this Current Report as Exhibit 10.1, and incorporated by reference herein.</span></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

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    <td style="width: 54pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 8.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">Other Events.</div>
            </td>

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</table>
      <div> <br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">On October 19, 2022, the Company and HVBC issued a joint press release to announce the signing of the Merger Agreement, a copy of which is filed as Exhibit 99.1 hereto
        and incorporated herein by reference.</div>
<div>
      &#160;
      </div>
<div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Important Additional Information and Where to Find It</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the proposed transaction, CZFS expects to file with the SEC a registration statement on Form S-4 that will include a proxy statement of
        HVBC that also constitutes a prospectus of CZFS (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus will be mailed or otherwise disseminated to HVBC&#8217;s shareholders when it becomes available. CZFS and HVBC also plan to file other
        relevant documents with the SEC regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM
        S-4, AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT CZFS, HVBC AND THE PROPOSED
        TRANSACTION. You may obtain a free copy of the registration statement, including the proxy statement/prospectus (when it becomes available) and other relevant documents filed by CZFS and HVBC with the SEC, without charge, at the SEC&#8217;s website at
        www.sec.gov. Copies of the documents filed by CZFS with the SEC will be available free of charge on CZFS&#8217; website at www.firstcitizensbank.com or by directing a request to Citizens Financial Services, Inc., 15 S. Main Street, Mansfield, PA 16933,
        attention: Corporate Secretary (570) 622-2121. Copies of the documents filed by HVBC with the SEC will be available free of charge on HVBC&#8217;s website at www.myhvb.com or by directing a request to HV Bancorp, Inc., 2005 South Easton Road, Suite 304,
        Doylestown, PA 18901, attention: Corporate Secretary (267) 280-4000.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">No Offer</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made except by means of
        a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law.</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br />
      </div>

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      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Participants in Solicitation</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS and HVBC and their respective directors and executive officers and other members of management and employees may be deemed to be participants in the solicitation of
        proxies in respect of the proposed transaction. You can find information about CZFS&#8217; executive officers and directors in CZFS&#8217; definitive proxy statement filed with the SEC on March 10, 2022. You can find information about HVBC&#8217;s executive officers
        and directors in HVBC&#8217;s definitive proxy statement filed with the SEC on April 14, 2022. Additional information regarding the interests of such potential participants will be included in the proxy statement/prospectus and other relevant documents
        filed with the SEC when they become available. You may obtain free copies of these documents from CZFS or HVBC using the sources indicated above.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Forward Looking Statements</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This report contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about CZFS and HVBC
        and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding CZFS&#8217; or HVBC&#8217;s future financial condition, results of operations, business plans,
        liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to CZFS or HVBC, are forward-looking statements. Words such as &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;expects,&#8221; &#8220;forecasts,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221;
        &#8220;projects,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should&#8221; and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the
        following: (1) the businesses of CZFS and HVBC may not be combined successfully, or such combination may take longer to accomplish than expected; (2) the cost savings from the merger may not be fully realized or may take longer to realize than
        expected; (3) operating costs, customer loss and business disruption following the merger, including adverse effects on relationships with employees, may be greater than expected; (4) governmental approvals of the merger may not be obtained, or
        adverse regulatory conditions may be imposed in connection with governmental approvals of the merger; (5) the shareholders of HVBC may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete than
        anticipated, including as a result of unexpected factors or events; (7) diversion of management&#8217;s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and
        operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate HVBC&#8217;s operations and those of CZFS; (9) such integration may be more difficult, time consuming or costly than expected; (10) revenues
        following the proposed transaction may be lower than expected; (11) CZFS&#8217;s and HVBC&#8217;s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; (12) the dilution caused by CZFS&#8217;s issuance
        of additional shares of its capital stock in connection with the proposed transaction; (13) changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government;
        (14) legislative and regulatory changes; and (15) uncertainty as to the extent of the duration, scope, and impacts of the COVID-19 pandemic on CZFS, HVBC and the proposed transaction. Further information about these and other relevant risks and
        uncertainties may be found in CZFS&#8217; and HVBC&#8217;s respective Annual Reports on Form 10-K for the fiscal year ended December 31, 2021 and in subsequent filings with the SEC.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS and HVBC do not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking
        statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance on these forward-looking statements.</div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br />
      </div>

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    <td style="width: 54pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0); font-weight: bold;">Financial Statements and Exhibits</div>
            </td>

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      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

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    <td style="width: 18pt; vertical-align: top; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(d)</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Exhibits</span></div>
            </td>

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      <div> <br />
      </div>

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    <td style="width: 6.23%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit</div>
              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Number</div>
            </td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Description</div>
            </td>

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    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;" rowspan="1">&#160;</td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;" rowspan="1">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;" rowspan="1">&#160;</td>

  </tr>

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    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><a href="brhc10043044_ex2-1.htm">2.1*</a></div>
            </td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;">Agreement and Plan of Merger, dated October 18, 2022, by and among Citizens Financial Services, Inc., First Citizens Community Bank, CZFS Acquisition Company, LLC, HV Bancorp, Inc. and Huntingdon Valley Bank.</div>
            </td>

  </tr>

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    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;" rowspan="1">&#160;</td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;" rowspan="1">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;" rowspan="1">&#160;</td>

  </tr>

  <tr>

    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><a href="brhc10043044_ex10-1.htm">10.1</a></div>
            </td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;">Form of Voting Agreement, dated October 18, 2022, by and among Citizens Financial Services, Inc. and certain stockholders of HV Bancorp, Inc.</div>
            </td>

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    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><a href="brhc10043044_ex99-1.htm">99.1</a></div>
            </td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;">Joint Press Release of Citizens Financial Services, Inc. and HV Bancorp, Inc., dated October 19, 2022.</div>
            </td>

  </tr>

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    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 6.23%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">
              <div style="text-align: left; color: rgb(0, 0, 0);">104</div>
            </td>

    <td style="width: 3%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 91%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;">Cover Page Interactive Data File (embedded within the Inline XBRL document)</div>
            </td>

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</table>
      <div><br />
      </div>

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    <td style="width: 2.04%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">*</div>
            </td>

    <td style="width: 97.84%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">Citizens Financial Services, Inc. has omitted certain schedules and exhibits pursuant to Item 601(a)(5) of Regulation S-K and shall furnish supplementally to the SEC copies of any of the
                omitted schedules and exhibits upon request by the SEC.</div>
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</table>
      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto
        duly authorized.</div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0); font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">October 19, 2022</div>
            </td>

    <td colspan="2" rowspan="1" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 3%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">By:</div>
            </td>

    <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">/s/ Stephen J. Guillaume</div>
              </div>
            </td>

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    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 3%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td style="width: 47%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Stephen J. Guillaume</div>
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Chief Financial Officer</div>
            </td>

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</table>
      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
      </div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>brhc10043044_ex2-1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 2.1</font><br>
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  <div style="text-align: right;"><font style="font-weight: bold;"> <br>
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    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">&#160; </div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">AGREEMENT AND PLAN OF MERGER</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">DATED AS OF OCTOBER 18, 2022</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">BY AND AMONG</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.,</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CZFS ACQUISITION COMPANY, LLC,</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FIRST CITIZENS COMMUNITY BANK,</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">HV BANCORP, INC.</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">AND</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">HUNTINGDON VALLEY BANK</div>
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TABLE OF CONTENTS</div>
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            <td style="width: 10%; vertical-align: top;">&#160;</td>
            <td style="width: 83%; vertical-align: top;">&#160;</td>
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              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Page</div>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE I THE MERGER</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">2</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.01</div>
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            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Terms of the Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">2</div>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.02</div>
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            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax Consequences</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.03</div>
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            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name of the Surviving Corporation and the Surviving Bank</div>
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            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">2</div>
            </td>
          </tr>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.04</div>
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            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
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              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">2</div>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.06</div>
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            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Effect of the Merger</div>
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            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
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              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.08</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Alternative Structure</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.09</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Additional Actions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 1.10</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Absence of Control</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">4</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
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          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE II CONSIDERATION; EXCHANGE PROCEDURES</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">4</div>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.01</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Merger Consideration</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">4</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.02</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proration</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">5</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.03</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Rights as Shareholders; Stock Transfers</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.04</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Election and Exchange Procedures</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">7</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.05</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Anti-Dilution Provisions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.06</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Reservation of Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.07</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Listing of Additional Shares</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 2.08</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Treatment of Equity Awards</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">10</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE III REPRESENTATIONS AND WARRANTIES OF HVBC AND HVB</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.01</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Making of Representations and Warranties</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.02</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Organization, Standing and Authority of HVBC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.03</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Organization, Standing and Authority of HVB</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">11</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.04</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC and HVB Capital Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">12</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.05</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Subsidiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.06</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Corporate Power; Minute Books</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.07</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Execution and Delivery</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.08</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Approvals; No Defaults</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">13</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.09</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Financial Statements; SEC Documents</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">14</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.10</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Absence of Certain Changes or Events</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">15</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.11</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">[Reserved]</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.12</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.13</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Legal Proceedings; Regulatory Action</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.14</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Compliance with Laws</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">17</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.15</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Material Contracts; Defaults</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">18</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.16</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Brokers</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">18</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.17</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Employee Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">18</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.18</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Labor Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">20</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.19</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Environmental Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">21</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.20</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">21</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.21</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Investment Securities</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">23</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.22</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Derivative Transactions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">23</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.23</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Loans; Nonperforming and Classified Assets</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">24</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.24</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tangible Properties and Assets</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">24</div>
            </td>
          </tr>

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      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">i</font></div>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.25</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Intellectual Property</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">25</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.26</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Fiduciary Accounts</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">25</div>
            </td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.27</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">26</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.28</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Antitakeover Provisions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">26</div>
            </td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.29</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Fairness Opinion</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">26</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.30</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proxy Statement/Prospectus</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">26</div>
            </td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.31</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CRA, Anti-money Laundering and Customer Information Security</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">26</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.32</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Transactions with Affiliates</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">27</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 3.33</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Disclosure</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">27</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE IV REPRESENTATIONS AND WARRANTIES OF CZFS, CZFSAC AND FCCB</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">27</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.01</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Making of Representations and Warranties</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">27</div>
            </td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.02</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Organization, Standing and Authority of CZFS and CZFSAC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">28</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.03</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Organization, Standing and Authority of FCCB</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">28</div>
            </td>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.04</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">28</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.05</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Subsidiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">28</div>
            </td>
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            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.06</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Corporate Power; Minute Books</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">29</div>
            </td>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.07</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Execution and Delivery</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.08</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Approvals; No Defaults</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">29</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.09</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Absence of Certain Changes or Events</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.10</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">SEC Documents; Financial Statements; and Financial Controls and Procedures</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">30</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.11</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">31</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.12</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Legal Proceedings</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.13</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Compliance With Laws</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">32</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.14</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Brokers</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.15</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Employee Benefit Plans.</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">33</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.16</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Labor Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.17</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">34</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.18</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Loans; Nonperforming Assets.</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.19</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Deposit Insurance</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.20</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS Stock</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.21</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Antitakeover Provisions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.22</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proxy Statement/Prospectus</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.23</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Environmental Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.24</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Available Funds..</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 4.25</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Disclosure</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE V COVENANTS</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.01</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Covenants of HVBC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">36</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.02</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Covenants of CZFS</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">40</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.03</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Reasonable Best Efforts</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">40</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.04</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Shareholder Approval</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.05</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Merger Registration Statement; Proxy Statement/Prospectus</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.06</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Cooperation and Information Sharing</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.07</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Supplements or Amendment</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.08</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Approvals</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.09</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Press Releases</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">42</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.10</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Access; Information</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.11</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">No Solicitation by HVBC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">43</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.12</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Certain Policies</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.13</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indemnification</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">46</div>
            </td>
          </tr>

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        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">ii</font></div>
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          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.14</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Employees; Benefit Plans</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">47</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.15</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Notification of Certain Changes</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">50</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.16</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Current Information</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">50</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.17</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Board Packages</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">50</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.18</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Transition; Informational Systems Conversion</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">51</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.19</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Assumption of Debt</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">51</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.20</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 16 Matters</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">51</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 5.21</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Additional Actions by HVBC</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">51</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE VI CONDITIONS TO CONSUMMATION OF THE MERGER</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">52</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 6.01</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Conditions to Obligations of the Parties to Effect the Merger</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">52</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 6.02</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Conditions to Obligations of CZFS</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">52</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 6.03</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Conditions to Obligations of HVBC</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">53</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 6.04</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Frustration of Closing Conditions</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">53</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">&#160;</td>
            <td rowspan="1" style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE VII TERMINATION</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 7.01</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Termination</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">54</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 7.02</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Termination Fee</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">56</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 7.03</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Effect of Termination and Abandonment</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">56</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top;" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE VIII MISCELLANEOUS</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.01</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Survival</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.02</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Waiver; Amendment</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.03</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Counterparts</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.04</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Governing Law and Venue</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.05</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Expenses</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.06</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Notices</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.07</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Entire Understanding; No Third-Party Beneficiaries</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.08</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Severability</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.09</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Enforcement of the Agreement</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.10</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Interpretation</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.11</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Assignment</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.12</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Waiver of Jury Trial<font style="font-size: 10pt; font-family: 'Times New Roman';">.</font>.</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59<br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 8.13</div>
            </td>
            <td style="width: 83%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Electronic Transmission..</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE IX ADDITIONAL DEFINITIONS</div>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Section 9.01</div>
            </td>
            <td style="width: 83%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Additional Definitions</div>
            </td>
            <td style="width: 5%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">EXHIBITS</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" id="z5fd4a587e7a94340a2c448d857124243" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

          <tr>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Exhibit A</div>
            </td>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Form of Voting Agreement</div>
            </td>
          </tr>
          <tr>
            <td style="width: 10%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Exhibit B</div>
            </td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 88%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Plan of Bank Merger</div>
            </td>
          </tr>
          <tr>
            <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Exhibit C</div>
            </td>
            <td style="width: 2%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
            <td style="width: 88%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Form of Settlement and Non-Competition Agreement</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">iii</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
      </div>
      <!--PROfilePageNumberReset%Num%1%%%-->
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TABLE OF DEFINITIONS</div>
      <div>
        <div> <br>
        </div>
        <div style="float: left; width: 48%;" class="BRPFTCL">
          <div style="text-align: left;">
            <table cellspacing="0" cellpadding="0" id="zcf8e16f9366a463eaf45386cfbec1d38" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

                <tr>
                  <td style="width: 90.38%; vertical-align: top;">&#160;</td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Page</div>
                  </td>
                </tr>
                <tr>
                  <td rowspan="1" style="width: 90.38%; vertical-align: top;">&#160;</td>
                  <td rowspan="1" style="width: 9.62%; vertical-align: top;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Acquisition Proposal</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Acquisition Transaction</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Affiliate</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Agreement</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Bank Merger</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Bank Regulator</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">BCL</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">BOLI</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">26</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Business Day</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Certificate</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">5</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Closing</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Closing Date</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Code</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Community Reinvestment Act</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Confidentiality Agreement</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">46</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS Board</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS Disclosure Schedule</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS Pension Plan</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">33</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CZFS Stock</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Derivative Transaction</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Effective Date</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Effective Time</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Environmental Law</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ERISA</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Exchange Act</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FCCB</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FDIC</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FHLB</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Finance Laws</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">17</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FRB</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">GAAP</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Governmental Authority</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Hazardous Substance</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVB</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVB Board</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Benefit Plans</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">18</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Board</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Disclosure Schedule</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Employees</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">18</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Financial Statements</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Intellectual Property</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Meeting</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90.38%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Pension Plan</div>
                  </td>
                  <td style="width: 9.62%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">19</div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="float: right; width: 48%;" class="BRPFTCR">
          <div style="text-align: left;">
            <table cellspacing="0" cellpadding="0" id="za6477bc5a18f4121bedd4d3557b39a90" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

                <tr>
                  <td style="width: 92.3%; vertical-align: top;">&#160;</td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Page</div>
                  </td>
                </tr>
                <tr>
                  <td rowspan="1" style="width: 92.3%; vertical-align: top;">&#160;</td>
                  <td rowspan="1" style="width: 7.7%; vertical-align: top;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Recommendation</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Representatives</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">43</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Stock</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">12</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">HVBC Subsequent Determination</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indemnified Parties</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">46</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indemnifying Party</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">46</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Informational Systems Conversion</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">51</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Insurance Policies</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">25</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Intellectual Property</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">IRS</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">63</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Knowledge</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">63</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Leases</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">25</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Lien</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">63</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Loans</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">24</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Material Adverse Effect</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">63</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Material Contract</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">18</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Merger</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Merger Registration Statement</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NASDAQ</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Notice of Superior Proposal</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Notice Period</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">OREO</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">24</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">PADOBS</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Pandemic</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Pandemic Measures</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Person</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Premium Limit</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">47</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proceeding</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">46</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proxy Statement/Prospectus</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Approvals</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">29</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Order</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Rights</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Securities Act</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Software</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Subsidiary</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Superior Proposal</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Surviving Bank</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Surviving Company</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">64</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax Returns</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">65</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Taxes</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">65</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Transactions</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Voting Agreement</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 92.3%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Willful Breach</div>
                  </td>
                  <td style="width: 7.7%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">65</div>
                  </td>
                </tr>

            </table>
            &#160;</div>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: rgb(0, 0, 0); width: 100%;" id="zad1df0c2a39d4589b137b999b63b4f8d">

            <tr>
              <td style="width: 100%;">
                <div>&#160;</div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">iv</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
    </div>
    <!--PROfilePageNumberReset%Num%1%%%-->
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">This AGREEMENT AND PLAN OF MERGER</font> (this &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Agreement</u></font>&#8221;) is dated as of October 18, 2022, by and among Citizens Financial Services, Inc., a Pennsylvania corporation (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS</u></font>&#8221;),

      CZFS Acquisition Company, LLC, a Pennsylvania limited liability company and wholly-owned subsidiary of CZFS (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFSAC</u></font>&#8221;), First Citizens Community Bank, a
      Pennsylvania-chartered bank and wholly-owned subsidiary of CZFSAC (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FCCB</u></font>&#8221;), HV Bancorp, Inc., a Pennsylvania corporation (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC</u></font>&#8221;), and Huntingdon Valley Bank, a Pennsylvania-chartered bank and wholly-owned subsidiary of HVBC (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVB</u></font>&#8221;).</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>WITNESSETH</u></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, the Board of Directors of CZFS (on behalf of CZFS and
      on behalf of CZFSAC in CZFS&#8217; capacity as the sole member of CZFSAC) and the Board of Directors of HVBC have each (i) determined that this Agreement and the business combination and related transactions contemplated hereby are in the best interests of
      their respective entities and shareholders; (ii) determined that this Agreement and the transactions contemplated hereby are consistent with and in furtherance of their respective business strategies; and (iii) approved and declared advisable this
      Agreement and the transactions contemplated hereby;</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, in accordance with the terms of this Agreement, HVBC
      will merge with and into CZFS, with CZFS surviving (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger</u></font>&#8221;), and immediately thereafter, HVB will merge with and into FCCB, with FCCB surviving (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Bank Merger</u></font>&#8221; and, together with the Merger, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Transactions</u></font>&#8221;);</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, as a material inducement to CZFS to enter into this
      Agreement, each of the directors and certain executive officers of HVBC set forth on the <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 6.02(c)</u></font> has entered into a voting agreement with CZFS
      dated as of the date hereof (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Voting Agreement</u></font>&#8221;), substantially in the form attached hereto as <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit A</u></font>
      pursuant to which each such director or executive officer has agreed, among other things, to vote all shares of HVBC Stock (as defined herein) owned by such person in favor of the approval of this Agreement and the transactions contemplated hereby,
      upon the terms and subject to the conditions set forth in such agreement;</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, for United States federal income tax purposes, the
      parties intend the Merger to qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code of 1986, as amended and the regulations and formal guidance issued thereunder (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Code</u></font>&#8221;), and that this Agreement be and hereby is adopted as a &#8220;plan of reorganization&#8221; within the meaning of Sections 354, 361 and 368 of the Code;</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, as a material inducement to CZFS to enter into this
      Agreement, each of the individuals set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 6.02(d)</u></font> has entered into a settlement and non-competition agreement with HVBC, HVB and CZFS (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Settlement and Non-Competition Agreement</u></font>&#8221;) substantially in the form attached hereto as <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit C</u></font>;
      and</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, the parties desire to make certain representations,
      warranties and agreements in connection with the transactions described in this Agreement and to prescribe certain conditions thereto.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">NOW, THEREFORE,</font> in consideration of the mutual promises herein
      contained and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:</div>
    <div>&#160;</div>
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    </div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE I</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">THE MERGER</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.01 </font><u>Terms of the Merger</u></font>.&#160; Subject to the terms and conditions of this Agreement, at the Effective Time, HVBC shall merge with and into CZFS, and CZFS shall be the surviving entity (hereinafter sometimes referred to as the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Surviving Corporation</u></font>&#8221;).&#160; Immediately thereafter, pursuant to the Plan of Bank Merger described in the following sentence, HVB shall merge with and into FCCB, and FCCB shall be
      the surviving entity (hereinafter sometimes referred to as the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Surviving Bank</u></font>&#8221;) and shall continue to be governed by the laws of the Commonwealth of Pennsylvania.&#160; As soon
      as practicable after the execution of this Agreement, CZFS (on behalf of CZFSAC in CZFS&#8217; capacity as the sole member of CZFSAC) will cause FCCB to, and HVBC will cause HVB to, execute and deliver a Plan of Bank Merger substantially in the form
      attached to this Agreement as <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit B</u></font>.&#160; As part of the Merger, shares of HVBC Stock shall, at the Effective Time, be converted into the right to receive the Merger
      Consideration pursuant to the terms of <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font></u>.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.02 </font><u>Tax Consequences</u></font>.&#160; It is intended that the Merger shall constitute a reorganization within the meaning of Section 368(a) of the Code, and that this Agreement shall constitute a &#8220;plan of reorganization&#8221; as that term is
      used in Sections 354, 361 and 368 of the Code.&#160; From and after the date of this Agreement and until the Closing, each party hereto shall use its reasonable best efforts to cause the Merger to qualify, and will not knowingly take any action, cause any
      action to be taken, fail to take any action or cause any action to fail to be taken, which action or failure to act would reasonably be expected to prevent the Merger from qualifying as a reorganization under Section 368(a) of the Code.&#160; CZFS and
      HVBC each hereby agree to deliver a certificate substantially in compliance with IRS published advance ruling guidelines, with customary exceptions and modifications thereto, to enable its counsel to deliver the legal opinions contemplated by <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01(e)</font></u>.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.03 </font><u>Name of the Surviving Corporation and the Surviving Bank</u></font>.&#160; The name of the Surviving Corporation shall be &#8220;Citizens Financial Services, Inc.&#8221; The name of the Surviving Bank shall be &#8220;First Citizens Community Bank.&#8221;</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.04</font> <u>Charter and Bylaws of the Surviving Corporation and the Surviving Bank</u></font>.&#160; The charter and bylaws of the Surviving Corporation upon consummation of the Merger shall be the charter and bylaws of CZFS as in effect
      immediately prior to consummation of the Merger. The charter and bylaws of the Surviving Bank upon consummation of the Bank Merger shall be the charter and bylaws of FCCB as in effect immediately prior to consummation of the Bank Merger.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.05 </font><u>Directors

          and Officers of the Surviving Corporation and the Surviving Bank</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 27pt;"> (a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; At the Effective Time, the board of directors of the Surviving Corporation immediately prior to the Effective Time shall continue to be the directors of the Surviving Corporation, provided
      that, at the Effective Time, the number of persons constituting the board of directors of the Surviving Corporation shall be increased by one (1) director to be selected by CZFS upon consultation with HVBC who is a member of the board of directors of
      HVBC immediately prior to the Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>New Corporation Board Member</u></font>&#8221;) and the New Corporation Board Member shall be appointed to the board of directors of the
      Surviving Corporation for a term to expire at the next annual meeting of the shareholders of CZFS, subject to CZFS&#8217;s customary background screening and evaluation procedures for potential directors. CZFS shall nominate and recommend to CZFS&#8217;s
      shareholders the New Corporation Board Member for election for a three-year term at CZFS&#8217;s first annual shareholder meeting following the Effective Time. Each of the directors of the Surviving Corporation immediately after the Effective Time shall
      hold office until his or her successor is elected and qualified or otherwise in accordance with the charter and bylaws of the Surviving Corporation.</div>
    <div>&#160; <br>
    </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, the board of directors of the
        Surviving Bank immediately prior to the Effective Time shall continue to be the directors of the Surviving Bank, provided that at the Effective Time, the number of persons constituting the board of directors of the Surviving Bank shall be increased
        by two (2) directors to be selected by CZFS upon consultation with HVBC who are members of the board of directors of HVB immediately prior to the Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>New Bank Board
            Members</u></font>&#8221;), and the New Bank Board Members shall be appointed to the board of directors of the Surviving Bank for a term to expire at the next annual meeting of the shareholders of the Surviving Bank, subject to the Surviving Bank&#8217;s
        customary background screening and evaluation procedures for potential directors. CZFS (on behalf of CZFSAC in CZFS&#8217; capacity as the sole member of CZFSAC) shall appoint each of the New Bank Board Members for a one-year term at the Surviving Bank&#8217;s
        first annual shareholder meeting following the Effective Time. Each of the directors of the Surviving Bank immediately after the Effective Time shall hold office until his or her successor is elected and qualified or otherwise in accordance with
        the charter and bylaws of the Surviving Bank.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, the officers of the Surviving
        Corporation and the Surviving Bank shall consist of the officers of the Surviving Corporation and the Surviving Bank in office immediately prior to the Effective Time with the addition of Robert J. Marino and Travis J. Thompson as senior officers
        of the Surviving Bank with such titles to be determined by CZFS prior to the Closing.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.06</font></font> <u>Effect of the Merger</u></font>.&#160; At the Effective Time, the effect of the Merger shall be as provided under applicable provisions of the Pennsylvania
      Business Corporation Law of 1988 (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>BCL</u></font>&#8221;) and the regulations respectively promulgated thereunder.&#160; Without limiting the generality of the foregoing, and subject thereto,
      at the Effective Time, the separate corporate existence of HVBC shall cease and all of the rights, privileges, powers, franchises, properties, assets, debts, liabilities, obligations, restrictions, disabilities and duties of HVBC shall be vested in
      and assumed by CZFS.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.07 </font></font></font><u>Effective Date and Effective Time; Closing</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to the terms and conditions of this Agreement,
        CZFS will make all such filings as may be required by applicable laws and regulations to consummate the Merger.&#160; On the Closing Date, which shall take place not more than three (3) Business Days following the receipt of all necessary regulatory,
        governmental and shareholder approvals and consents and the expiration of all statutory waiting periods in respect thereof and the satisfaction or waiver of all of the conditions to the consummation of the Merger specified in <u> <font style="font-size: 10pt; font-family: 'Times New Roman';">Article VI</font></u> of this Agreement (other than the delivery of certificates and other instruments and documents to be delivered at the Closing), or on such other date as the parties
        shall mutually agree to, CZFS and HVBC shall file articles of merger with the Department of State of the Commonwealth of Pennsylvania in accordance with the BCL.&#160; The date of such filings is herein called the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Effective Date</u></font>,&#8221; and the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Effective Time</u></font>&#8221; of the Merger shall be as specified in such filing.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The closing (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Closing</u></font>&#8221;) shall take place remotely via the electronic exchange of documents and signatures immediately prior to the Effective Time at 10:00 a.m., Eastern time, or in person at the principal offices
        of Hogan Lovells US LLP in Washington, D.C., or such other place, at such other time, or on such other date as the parties may mutually agree upon (such date, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Closing Date</u></font>&#8221;).&#160;

        At the Closing, there shall be delivered to CZFS and HVBC the certificates and other documents required to be delivered under <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article VI</font></u> hereof.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.08 </font><u>Alternative Structure</u></font>.&#160; CZFS may, at any time prior to the Effective Time, change the method of effecting the combination of CZFS and HVBC, and FCCB and HVB, respectively, (including the provisions of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article I</font></u>) if and to the extent it deems such change to be necessary, appropriate or desirable; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that no such change shall (a) alter or change the Merger Consideration; (b) adversely affect the tax treatment of HVBC&#8217;s shareholders pursuant to this Agreement; (c) adversely affect the tax treatment of CZFS or
      HVBC pursuant to this Agreement; or (d) be reasonably likely to materially impede or delay consummation of the transactions contemplated by this Agreement.&#160; In the event CZFS makes such a change, HVBC agrees to execute an appropriate amendment to
      this Agreement in order to reflect such change.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.09 </font><u>Additional Actions</u></font>.&#160; If, at any time after the Effective Time, CZFS shall consider or be advised that any further deeds, documents, assignments or assurances in law or any other acts are necessary or desirable to (i)
      vest, perfect or confirm, or record or otherwise, in CZFS its right, title or interest in, to or under any of the rights, properties or assets of HVBC or HVB, or (ii) otherwise carry out the purposes of this Agreement, HVBC, HVB and their respective
      officers and directors shall be deemed to have granted to CZFS an irrevocable power of attorney to execute and deliver, in such official corporate capacities, all such deeds, assignments or assurances in law or any other acts as are necessary or
      desirable to (a) vest, perfect or confirm, of record or otherwise, in CZFS or FCCB its right, title or interest in, to or under any of the rights, properties or assets of HVBC or HVB or (b) otherwise carry out the purposes of this Agreement, and the
      officers and directors of CZFS or FCCB are authorized in the name of HVBC or HVB or otherwise to take any and all such action.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          1.10 </font><u>Absence of Control</u></font>.&#160; It is the intent of the parties to this Agreement that CZFS or FCCB by reason of this Agreement shall not be deemed (until consummation of the transactions contemplated herein) to control, directly
      or indirectly, HVBC or HVB and shall not exercise or be deemed to exercise, directly or indirectly, a controlling influence over the management or policies of HVBC or HVB.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE II</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CONSIDERATION; EXCHANGE PROCEDURES</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">
      <div style="margin-left: 27pt; text-indent: 72pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.01</font> <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Consideration</u></font>.</font></div>
      <font style="font-size: 10pt; font-family: 'Times New Roman';"><u></u></font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to the provisions of this Agreement, at the
        Effective Time, automatically by virtue of the Merger and without any action on the part of any Person:</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each share of CZFS Stock that is
        issued and outstanding immediately prior to the Effective Time shall remain issued and outstanding following the Effective Time and shall be unchanged by the Merger.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All shares of HVBC Stock issued and
        outstanding immediately prior to the Effective Time (other than shares of HVBC Stock to be cancelled pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.01(b)</u></font>) shall become and be converted into the
        right to receive, without interest, at the election of the holder thereof and in accordance with the procedures set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Sections 2.04</u></font> and subject to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.02</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>2.05</u></font>, the following:</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(A)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">for each share of HVBC Stock with
        respect to which an election to receive cash has been effectively made and not revoked or lost, pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.04</u></font> (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Cash Election</u></font>&#8221;), the right to receive in cash from CZFS, without interest, an amount equal to $30.500 (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Cash Consideration</u></font>&#8221;)
        (collectively, &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Cash Election Shares</u></font>&#8221;);</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(B)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">for each share of HVBC Stock with
        respect to which an election to receive CZFS Stock has been effectively made and not revoked or lost, pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.04</u></font> (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Stock Election</u></font>&#8221;), the right to receive from CZFS the number of shares of CZFS Stock equal to the Exchange Ratio (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Stock
            Consideration</u></font>&#8221;) (collectively, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Stock Election Shares</u></font>&#8221;); and</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(C)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 12pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">for each share of HVBC Stock other than shares as to which a Cash Election or a Stock Election has been effectively made and not revoked or lost, pursuant to <u>Section 2.04</u> (collectively, &#8220;<u>Non-Election
            Shares</u>&#8221;), the right to receive from CZFS the Stock Consideration or the Cash Consideration as is determined in accordance with <u>Section 2.02</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">For purposes of this Agreement: (x) &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange Ratio</u></font>&#8221;
      means 0.4000 shares of CZFS Stock and (y) the Cash Consideration and Stock Consideration are sometimes referred to herein collectively as the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Consideration</u></font>&#8221;.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, all shares of HVBC Stock that are
        owned by HVBC as treasury stock and all shares of HVBC Stock that are owned directly or indirectly by CZFS or HVBC, including any shares of HVBC Stock held by CZFS or HVBC or any of their respective Subsidiaries in respect of a debt previously
        contracted, other than shares that are held by CZFS or HVBC, if any, in a fiduciary capacity, shall be canceled and shall cease to exist and no Merger Consideration shall be delivered in exchange therefor. All shares of CZFS Stock that are owned by
        HVBC shall become treasury stock of CZFS.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">80% of the aggregate Merger Consideration to be paid to
        holders of HVBC Stock will be paid with CZFS Stock and 20% of the aggregate Merger Consideration to be paid to holders of HVBC will be paid in cash. In the event that the foregoing clauses of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.01</u></font> result in less than 80% of the aggregate Merger Consideration being paid with CZFS Stock or less than 20% of the aggregate Merger Consideration being paid in cash, pro rata adjustments will be made in
        accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.02</u></font> to result in payment of 80% of the aggregate Merger Consideration in CZFS Stock and 20% of the aggregate Merger Consideration in cash.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If either of the tax opinions referred to in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(c)</u></font> cannot be rendered (as reasonably determined, in each case, by the counsel charged with giving such opinion) as a result of the Merger potentially failing to
        satisfy the &#8220;continuity of interest&#8221; requirements under applicable federal income tax principles relating to reorganizations under Section 368(a) of the Code, then CZFS shall reduce the Cash Consideration and increase the Stock Consideration to the
        minimum extent necessary to enable the relevant tax opinions to be rendered.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">
      <div style="text-indent: 99pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.02</font> <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proration</u></font>.</font></div>
      <font style="font-size: 10pt; font-family: 'Times New Roman';"><u></u></font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding any other provision contained in this
        Agreement, the <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">number of shares of HVBC Stock to be converted into Cash Consideration </font>(the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Cash

            Conversion Number</u></font>&#8221;) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">shall be equal to</font> the product obtained by multiplying (x) the number of shares of HVBC Stock issued and outstanding as of
        the Effective Time (excluding shares of HVBC Stock to be canceled as provided in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.01(b)</u></font>) by (y) 0.20.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Within five (5) Business Days after the Effective Time,
        CZFS shall cause the Exchange Agent (as defined below) to effect the allocation among holders of HVBC Stock of rights to receive the Cash Consideration and the Stock Consideration as follows:</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If the number of Cash Election Shares
        is greater than the Cash Conversion Number, then:</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(A)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">all Stock Election Shares and all
        Non-Election Shares shall be converted into the right to receive the Stock Consideration; and</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(B)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">the Cash Election Shares of each
        holder thereof shall be converted into the right to receive the Stock Consideration in respect of that number of Cash Election Shares (rounded to the nearest whole share) equal to the product obtained by multiplying (x) the number of Cash Election
        Shares held by such holder by (y) a fraction, the numerator of which is the amount by which (1) the Cash Election Shares exceed (2) the Cash Conversion Number and the denominator of which is the total number of Cash Election Shares, with the
        remaining number of such holder&#8217;s Cash Election Shares being converted into the right to receive the Cash Consideration.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If the number of Cash Election
        Shares is less than the Cash Conversion Number, then:</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(A)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">all Cash Election Shares shall be
        converted into the right to receive the Cash Consideration;</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(B)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">the Stock Election Shares of each
        holder thereof shall be converted into the right to receive the Cash Consideration in respect of that number of Stock Election Shares (rounded to the nearest whole share) equal to the product obtained by multiplying (x) the number of Stock Election
        Shares held by such holder by (y) a fraction, the numerator of which is the amount by which (1) the Cash Conversion Number exceeds (2) the Cash Election Shares and the denominator of which is the sum of (I) the total number of Stock Election Shares
        plus (II) the total number of Non-Election Shares, with the remaining number of such holder&#8217;s Stock Election Shares being converted into the right to receive the Stock Consideration; and</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 108pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(C)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">the Non-Election Shares of each
        holder thereof shall be converted into the right to receive the Cash Consideration in respect of that number of Non-Election Shares (rounded to the nearest whole share) equal to the product obtained by multiplying (x) the number of Non-Election
        Shares held by such holder by (y) a fraction, the numerator of which is the amount by which (1) the Cash Conversion Number exceeds (2) the Cash Election Shares and the denominator of which is the sum of (I) the total number of Stock Election Shares
        plus (II) the total number of Non-Election Shares, with the remaining number of such holder&#8217;s Non-Election Shares being converted into the right to receive the Stock Consideration.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
    </div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(iii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If the number of Cash Election
        Shares is equal to the Cash Conversion Number, then all Cash Election Shares shall be converted into the right to receive the Cash Consideration and all Stock Election Shares and Non-Election Shares shall be converted into the right to receive the
        Stock Consideration.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 36pt; text-indent: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          2.03 </font><u>Rights as Shareholders; Stock Transfers</u></font>.&#160; All shares of HVBC Stock, when converted as provided in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.01(a)(ii)</font></u>, shall no longer be
      outstanding and shall automatically be cancelled and retired and shall cease to exist, and each certificate previously evidencing such shares of HVBC Stock (each, a &#8220;Certificate&#8221;, it being understood that any reference herein to &#8220;Certificate&#8221; shall
      be deemed to include reference to book-entry account statements relating to the ownership of shares of HVBC Stock) shall thereafter represent only the right to receive for each such share of HVBC Stock, the Merger Consideration and, if applicable,
      any cash in lieu of fractional shares of CZFS Stock in accordance with <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.04(l)</font></u>.&#160; At the Effective Time, holders of the HVBC Stock shall cease to be, and shall have
      no rights as, shareholders of HVBC other than the right to receive the Merger Consideration and cash in lieu of fractional shares of CZFS Stock as provided under this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font></u>.&#160;

      After the Effective Time, there shall be no transfers on the stock transfer books of HVBC of shares of HVBC Stock.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.04 </font><u>Election

          and Exchange Procedures</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each holder of HVBC Stock may specify in a request made
        in accordance with the provisions of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.04</u></font> (herein called an &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Election</u></font>&#8221;) (x) the
        number of shares of HVBC Stock owned by such Holder with respect to which such holder of HVBC Stock desires to make a Stock Election and (y) the number of shares of HVBC Stock owned by such holder of HVBC Stock with respect to which such holder of
        HVBC Stock desires to make a Cash Election.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFS shall prepare a form reasonably acceptable to HVBC
        (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Form of Election</u></font>&#8221;) which shall be mailed to HVBC&#8217;s shareholders entitled to vote at the HVBC Meeting so as to permit HVBC shareholders to exercise their right to
        make an Election prior to the Election Deadline.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The Form of Election shall be mailed to each holder of
        HVBC Stock not more than forty-five (45) nor less than thirty (30) calendar days prior to the anticipated Effective Time or on such date as HVBC and CZFS shall mutually agree (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Mailing

            Date</u></font>&#8221;).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Any Election shall have been made properly only if the
        Person authorized to receive Elections and to act as Exchange Agent under this Agreement, which Person shall be designated by CZFS and reasonably acceptable to HVBC (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange
            Agent</u></font>&#8221;), pursuant to an agreement entered into prior to Closing shall have received, by 5:00 p.m. local time in the city in which the principal office of such Exchange Agent is located, on the date that is the twenty-fifth (25<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup>)
        calendar day following the Mailing Date (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Election Deadline</u></font>&#8221;), a Form of Election properly completed and signed accompanied by the Certificates representing HVBC Stock
        as to which such Form of Election is being made or by an appropriate guarantee of delivery of such Certificates, as set forth in the Form of Election.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Any HVBC stockholder may, at any time prior to the
        Election Deadline, change or revoke his or her Election by written notice received by the Exchange Agent prior to the Election Deadline accompanied by a properly completed and signed, revised Form of Election. If CZFS, after consultation with the
        Exchange Agent, shall determine in its reasonable discretion that any Election is not properly made with respect to any shares of HVBC Stock, such Election shall be deemed to be not in effect, and the shares of HVBC Stock covered by such Election
        shall, for purposes hereof, be deemed to be Non-Election Shares, unless a proper Election is thereafter timely made.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All Elections shall be revoked automatically if the
        Exchange Agent is notified in writing by CZFS or HVBC that this Agreement has been terminated in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article VII</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If any portion of the Merger Consideration is to be paid
        to a Person other than the Person in whose name a Certificate surrendered pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.04(i)</u></font> is registered, it shall be a condition to such payment that such
        Certificate shall be properly endorsed or otherwise be in proper form for transfer, as applicable, and the Person requesting such payment shall inform the Exchange Agent, pursuant to an agreement entered into prior to Closing, whether any transfer
        or other similar Taxes are required as a result of such payment to a Person other than the registered holder of such Certificate, or establish to the reasonable satisfaction of the Exchange Agent that such Taxes are not payable. If such transfer or
        other similar Taxes are payable pursuant to the preceding sentence, then the Exchange Agent shall withhold and deduct from the Merger Consideration (including cash in lieu of fractional shares of CZFS Stock) otherwise payable pursuant to this
        Agreement to the designated Person other than the registered holder such amounts as the Exchange Agent determines is necessary based on the information supplied by the registered holder. The Exchange Agent (or, subsequent to the twelve-month
        anniversary of the Effective Time, CZFS) shall be entitled to deduct and withhold from the Merger Consideration (including cash in lieu of fractional shares of CZFS Stock) otherwise payable pursuant to this Agreement to any holder of HVBC Stock
        such amounts as the Exchange Agent or CZFS, as the case may be, is required to deduct and withhold under the Code, or any provision of state, local or foreign Tax law, with respect to the making of such payment. To the extent that any amounts are
        withheld by the Exchange Agent or CZFS, as the case may be, such withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of shares of HVBC Stock in respect of whom such deduction and withholding was
        made by the Exchange Agent or CZFS, as the case may be.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At least one (1) business day prior to the Effective
        Time, CZFS shall deposit, or shall cause to be deposited, with the Exchange Agent, for the benefit of the holders of HVBC Stock pursuant to this Article II (i) certificates, or at CZFS&#8217;s option, evidence of shares in book-entry form, representing
        the shares of CZFS Stock, sufficient to pay the aggregate Stock Consideration required pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font></u>, and (ii) an aggregate amount of cash sufficient to pay
        the Cash Consideration and the estimated amount of cash to be paid in lieu of fractional shares of CZFS Stock, each to be given to the holders of HVBC Stock in exchange for Certificates pursuant to this <u>Article II</u>. Until the twelve (12)
        month anniversary of the Effective Time, CZFS shall make available on a timely basis or cause to be made available to the Exchange Agent the following: (i) certificates, or at CZFS&#8217;s option, evidence of shares in book-entry form, representing the
        shares of CZFS Stock, sufficient to pay the aggregate Stock Consideration required pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font></u>, and (ii) an aggregate amount of cash sufficient to pay the
        Cash Consideration and the estimated amount of cash to be paid in lieu of fractional shares of CZFS Stock, each to be given to the holders of HVBC Stock in exchange for Certificates pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font></u>. Upon such twelve (12) month anniversary, any such cash or certificates remaining in the possession of the Exchange Agent, together with any earnings in respect thereof, shall be delivered to CZFS.&#160; Any
        holder of Certificates who has not theretofore exchanged his or her Certificates or for the Merger Consideration pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font> </u>who has not theretofore
        submitted a letter of transmittal, if required, shall thereafter be entitled to look exclusively to CZFS, and only as a general creditor thereof, for the Merger Consideration, as applicable, to which he or she may be entitled upon exchange of such
        Certificates pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font></u>.&#160; If outstanding Certificates are not surrendered, or the payment for the Certificates is not claimed prior to the date on which
        such payment would otherwise escheat to or become the property of any Governmental Authority, the unclaimed items shall, to the extent permitted by abandoned property and any other applicable law, become the property of CZFS (and to the extent not
        in its possession shall be delivered to it), free and clear of all Liens of any Person previously entitled to such property.&#160; Neither the Exchange Agent nor any of the parties hereto shall be liable to any holder of HVBC Stock represented by any
        Certificate for any consideration paid to a public official pursuant to applicable abandoned property, escheat or similar laws.&#160; CZFS and the Exchange Agent shall be entitled to rely upon the stock transfer books of HVBC to establish the identity
        of those Persons entitled to receive the Merger Consideration, which books shall be conclusive with respect thereto.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0px; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0); clear: both;"></div>
    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Promptly after the Effective Time, but in no event later
        than five (5) Business Days thereafter, CZFS shall cause the Exchange Agent to mail or deliver to each Person who did not surrender, or who improperly surrendered, such shareholder&#8217;s Certificates to the Exchange Agent and who was, immediately prior
        to the Effective Time, a holder of record of HVBC Stock a notice advising such holders of the effectiveness of the Merger, including a form of letter of transmittal in a form reasonably satisfactory to CZFS and HVBC containing instructions for use
        in effecting the surrender of Certificates in exchange for the Merger Consideration which shall specify that delivery shall be effected, and risk of loss and title to Certificates shall pass, only upon with respect to shares evidenced by
        Certificates, proper delivery of such Certificates to the Exchange Agent, proper delivery of the Certificates and the transmittal materials, duly, completely and validly executed in accordance with the instructions thereto. Upon surrender to the
        Exchange Agent of a Certificate for cancellation together with such letter of transmittal, duly executed and completed in accordance with the instructions thereto, the holder of such Certificate shall promptly be provided in exchange therefor, but
        in no event later than five (5) Business Days after due surrender, (x) a certificate, or at the election of CZFS, a statement reflecting shares issued in book-entry form, representing the number of whole shares of CZFS Stock that such holder is
        entitled pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';">Article II</font>, and (y) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">a check in the amount equal to the sum of (A)
          the cash portion of the Merger Consideration that such holder has the right to receive in respect of such Certificate surrendered pursuant to this <u>Article II</u>, (B) any cash in lieu of fractional shares </font>pursuant to <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.04(l)</font></u> and (C) any dividends or other distributions that such holder is entitled pursuant to <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
            2.04(k)</font></u>, and the Certificate so surrendered shall forthwith be canceled.&#160; No interest will accrue or be paid with respect to any property to be delivered upon surrender of Certificates.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">In the event any Certificates shall have been lost,
        stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate(s) to be lost, stolen or destroyed and, if required by CZFS or the Exchange Agent, the posting by such Person of a bond in customary amount as
        indemnity against any claim that may be made against it or the Surviving Corporation with respect to such Certificate(s), CZFS shall cause the Exchange Agent to issue the Merger Consideration deliverable, <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">and any cash, unpaid dividends or other distributions that would be payable or deliverable,</font> in respect of the shares of HVBC Stock represented by such lost, stolen or destroyed Certificates.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No dividends or other distributions with respect to CZFS
        Stock with a record date after the Effective Time shall be paid to the holder of any unsurrendered Certificate with respect to the shares of CZFS Stock represented thereby, and no cash payment in lieu of fractional shares shall be paid to any such
        holder pursuant to subsection (f) below, and all such dividends, other distributions and cash in lieu of fractional shares of CZFS Stock shall be paid by CZFS to the Exchange Agent, in each case until the surrender of such Certificate in accordance
        with subsection (f) below. Subject to the effect of applicable abandoned property, escheat or similar laws, following surrender of any such Certificate there shall be paid to the Holder of the whole shares of CZFS Stock issued in exchange therefor,
        without interest, (i) at the time of such surrender, the amount of dividends or other distributions with a record date after the Effective Time theretofore paid with respect to such whole shares of CZFS Stock and the amount of any cash payable in
        lieu of a fractional share of CZFS Stock to which such holder is entitled pursuant to subsection (g), and (ii) at the appropriate payment date, the amount of dividends or other distributions with a record date after the Effective Time but prior to
        such surrender and with a payment date subsequent to such surrender payable with respect to such whole shares of CZFS Stock. CZFS shall make available to the Exchange Agent cash for these purposes, if necessary.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding any other provision hereof, no
        fractional shares of CZFS Stock and no certificates or scrip therefor, or other evidence of ownership thereof, will be issued in the Merger; no dividend or distribution by CZFS shall relate to such fractional share interests; and such fractional
        share interests will not entitle the owner thereof to vote or to any rights as a stockholder of CZFS. In lieu of any such fractional shares, CZFS shall pay to each holder of a fractional share of CZFS Stock an amount of cash (without interest)
        determined by multiplying the fractional share interest to which such holder would otherwise be entitled by the average of the daily closing prices during the regular session of CZFS Stock as reported on NASDAQ for the five (5) consecutive trading
        days ending on the third Business Day immediately prior to the Closing Date, rounded to the nearest whole cent (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Measurement Price</u></font>&#8221;).&#160; Notwithstanding any other
        provision contained in this Agreement, funds utilized to acquire fractional shares as aforesaid shall be furnished by CZFS on a timely basis and shall in no event be derived from or diminish the Cash Consideration available for distribution as part
        of the Merger Consideration.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          2.05 </font><u>Anti-Dilution Provisions</u></font>.&#160; In the event CZFS or HVBC changes (or establishes a record date for changing) the number of, or provides for the exchange of, shares of CZFS Stock or HVBC Stock issued and outstanding prior to
      the Effective Time as a result of a stock split, stock dividend, recapitalization, reclassification, or similar transaction with respect to the outstanding CZFS Stock or HVBC Stock and the record date therefor shall be prior to the Effective Time,
      the Exchange Ratio shall be proportionately and appropriately adjusted; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that, for the avoidance of doubt, no such adjustment shall be made with regard to CZFS Stock if (a) CZFS issues additional shares of CZFS Stock and receives consideration for such shares in a bona fide third party
      transaction, (b) CZFS issues additional shares of CZFS Stock under the Citizens Financial Services, Inc. 2016 Equity Incentive Plan, or (c) CZFS grants employee or director stock grants or similar equity awards or shares of CZFS Stock upon the
      exercise or settlement thereof.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          2.06 </font><u>Reservation of Shares</u></font>.&#160; Effective upon the date of this Agreement, CZFS shall reserve for issuance a sufficient number of shares of the CZFS Stock for the purpose of issuing shares of CZFS Stock to HVBC shareholders in
      accordance with this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article II</u></font><u>.</u></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          2.07 </font><u>Listing of Additional Shares</u></font>.&#160; Prior to the Effective Time, CZFS shall notify NASDAQ of the additional shares of CZFS Stock to be issued by CZFS in exchange for the shares of HVBC Stock.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          2.08 </font><u>Treatment of Equity Awards</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Treatment of Stock Options</u></font>.&#160; Effective as of the Effective Time, each HVBC Option, <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">whether vested or unvested, that is outstanding as of
          immediately prior to the Effective Time, shall be cancelled and automatically converted into the right to receive a cash payment from HVBC equal to (i) the number of shares of HVBC Stock subject to such HVBC Option at the Effective Time,
          multiplied by (ii) the amount by which $30.50 exceeds the per share exercise price of such HVBC Option, less applicable taxes and withholdings and without interest. Notwithstanding the foregoing, if the per share exercise price for an HVBC Option
          is equal to or in excess of $30.50, such HVBC Option shall be cancelled at the Effective Time in exchange for no consideration. For the avoidance of doubt, CZFS shall not assume any HVBC Options.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <u>Treatment of Restricted Stock Awards</u></font>.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Immediately prior to the Effective Time, any vesting restrictions on each share of restricted stock outstanding immediately prior thereto (&#8220;<u>HVBC Restricted Stock</u>&#8221;)
        pursuant to the HVBC Equity Plans shall automatically lapse, and each share of HVBC Restricted Stock shall be treated as an issued and outstanding share of HVBC Stock for the purposes of this Agreement</font>.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Prior<font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> to the Effective Time, if directed by CZFS, HVBC shall take all actions that may be necessary or required (under any HVBC Equity Plan, any applicable law, the applicable award agreements or otherwise) (i) to
          effectuate the provisions of this Section 2.08, (ii) to terminate each HVBC Equity Plan as of the Effective Time without any further obligation or liability and (iii) to ensure that, from and after the Effective Time, holders of HVBC Options
          shall have no rights with respect to thereto other than those rights specifically provided in Section 2.08(a).</font></font></div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE III</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">REPRESENTATIONS AND WARRANTIES OF HVBC AND HVB</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">As a material inducement to CZFS to enter into this Agreement and to consummate the transactions contemplated hereby, HVBC and HVB hereby make to CZFS,
      CZFSAC and FCCB the representations and warranties contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font></u>, provided, however, that HVBC or HVB shall not be deemed to have breached a representation
      or warranty as a consequence of the existence of any fact, event or circumstance unless such fact, circumstance or event, individually or taken together with all other facts, events or circumstances inconsistent with any representation or warranty
      contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font></u>, has had or is reasonably likely to have, a Material Adverse Effect (disregarding for purposes of this proviso any materiality or Material
      Adverse Effect qualification or exception contained in any representation or warranty). Notwithstanding the immediately preceding sentence, the representations and warranties contained in (x) <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Sections 3.04(a)</font></u> and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font></u> shall be deemed untrue and incorrect if not true and correct except to a de minimis extent, (y) <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Sections 3.02</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">3.05</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">3.06</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">3.07</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">3.14(a)</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">3.16</font></u>,
      and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">3.28</font></u> shall be deemed untrue and incorrect if not true and correct in all material respects and (z) <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section




          3.10(a)</font></u> shall be deemed untrue and incorrect if not true and correct in all respects.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          3.01 </font><u>Making of Representations and Warranties</u></font>.&#160; Except as set forth in the HVBC Disclosure Schedule or the HVBC SEC Documents, each of HVBC and HVB hereby represents and warrants to CZFS and FCCB that the statements
      contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font></u> are correct as of the date of this Agreement and will be correct as of the Closing Date, except as to any representation or warranty that
      specifically relates to an earlier date, which only need be correct as of such earlier date.</div>
    <div><u>&#160;</u></div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.02 </font></font><u>Organization, Standing and Authority of HVBC</u></font>.&#160; HVBC is a Pennsylvania corporation duly organized and validly existing under the laws of the
      Commonwealth of Pennsylvania, and is duly registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>BHC Act</u></font>&#8221;). HVBC is duly licensed
      or qualified to do business in the States of the United States and foreign jurisdictions where its ownership or leasing of property or the conduct of its business requires such qualification <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on HVBC</font>.&#160; The charter and bylaws of HVBC, copies of which have been made available to CZFS,
      are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"> <br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.03 </font></font><u>Organization, Standing and Authority of HVB</u></font>.&#160; HVB is a Pennsylvania-chartered bank duly organized and validly existing under the laws of the
      Commonwealth of Pennsylvania.&#160; HVB&#8217;s deposits are insured by the FDIC in the manner and to the fullest extent provided by applicable law, and all premiums and assessments required to be paid in connection therewith have been paid by HVB when due.&#160; No
      proceedings for the revocation or termination of such deposit insurance are pending or, to the Knowledge of HVBC, threatened. HVB is a nonmember bank and its primary federal bank regulator is the FDIC.&#160; HVB is a member in good standing of the FHLB
      and owns the requisite amount of stock of the FHLB as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.03</u></font>.&#160; The charter and bylaws of HVB, copies of which have been made
      available to CZFS, are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</div>
    &#160;
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: rgb(0, 0, 0); background-color: rgb(0, 0, 0);"></div>
    </div>
    <div style="text-align: left; margin-left: 99pt;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.04 </font></font></font><u>HVBC and HVB Capital Stock</u></font>. </div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The authorized capital stock of HVBC consists solely of
        20,000,000 shares of common stock, par value $0.01 per share, of which 2,354,025 shares (including unvested shares of restricted stock) are issued and 2,238,902 shares are outstanding as of the date hereof (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Stock</u></font>&#8221;) and 2,000,000 shares of preferred stock, par value $0.01 per share, of which no shares are outstanding as of the date hereof.&#160; As of the date hereof, there are 115,123 shares of HVBC
        Stock held in treasury by HVBC.&#160; The outstanding shares of HVBC Stock have been duly authorized and validly issued and are fully paid and non-assessable.&#160; Except for the HVBC Options listed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.04(c)(i)</u></font>, HVBC does not have any Rights issued or outstanding with respect to HVBC Stock and HVBC does not have any commitment to authorize, issue or sell any HVBC Stock or Rights. </font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The authorized capital stock of HVB consists solely of
        10,000,000 shares of common stock, par value of $0.01 per share, of which 100 shares are outstanding as of the date hereof (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVB Stock</u></font>&#8221;) and 1,000,000 shares of preferred
        stock, par value $0.01 per share, of which no shares are outstanding as of the date hereof. The outstanding shares of HVB Stock have been duly authorized and validly issued, are fully paid and non-assessable, are owned by HVBC free and clear of all
        clear of all Liens (except as provided under 12 U.S.C. &#167; 55 or any comparable provision of applicable state law) and were not issued in violation of any preemptive rights. HVB does not have any Rights issued or outstanding with respect to HVB Stock
        and HVB does not have any commitment to authorize, issue or sell any HVB Stock or Rights.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><u>HVBC Disclosure Schedule 3.04(c)(i)</u> contains a list setting forth, as of the date of this Agreement, with respect to each outstanding HVBC Option, (i) the name of the holder of such HVBC Option, (ii) whether
          the holder is a current or former employee, director or other individual service provider of HVBC and any of its Subsidiaries, (iii) the number of shares of HVBC Stock covered by such HVBC Option, (iv) the exercise price per share with respect to
          such HVBC Option, (v) the date of grant of such HVBC Option, (vi) the date of expiration of such HVBC Option, (vii) the vesting schedule applicable to such HVBC Option, including whether such HVBC Option is subject to accelerated vesting in
          connection with the consummation of the transactions contemplated hereby, (viii) whether such HVBC Option is an incentive stock option or a nonqualified stock option, and (ix) the applicable HVBC Equity Plan under which such HVBC Option was
          granted.</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Upon issuance in accordance with the
          terms of the applicable HVBC Equity Plan and award agreements, the shares of HVBC Stock issued pursuant to the HVBC Options have been and shall be issued in compliance with all applicable laws. <u>HVBC Disclosure Schedule 3.04(c)(ii)</u>
          contains a list setting forth, as of the date of this Agreement, with respect to each outstanding share of HVBC Restricted Stock, (i) the name of the holder of such HVBC Restricted Stock, (ii) whether the holder is a current or former employee,
          director or other individual service provider of HVBC and any of its Subsidiaries, (iii) the number of shares of HVBC Stock covered by such HVBC Restricted Stock award, (iv) the date of grant of such HVBC Restricted Stock award, (v) the vesting
          schedule applicable to such HVBC Restricted Stock, including whether such HVBC Restricted Stock is subject to accelerated vesting in connection with the consummation of the transactions contemplated hereby, and (vi) the applicable HVBC Equity
          Plan under which such HVBC Restricted Stock was granted</font>.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.05</font></font></font> <u>Subsidiaries</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160;</font>Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.05</u></font>, HVBC does not, directly or indirectly, own or control any Affiliate.&#160;
      Except as disclosed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.05</u></font>, HVBC does not have any equity interest, direct or indirect, in any other bank or corporation or in any
      partnership, joint venture or other business enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary capacity, and the business carried on by HVBC has not been
      conducted through any other direct or indirect Subsidiary or Affiliate of HVBC.&#160; No such equity investment identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.05</u></font> is prohibited
      by the applicable federal or state laws and regulations.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.06 </font></font></font><u>Corporate Power; Minute Books</u></font>.&#160; Each of HVBC and HVB has the corporate
      power and authority to carry on its business as it is now being conducted and to own all its properties and assets; and each of HVBC and HVB has the corporate power and authority to execute, deliver and perform its obligations under this Agreement
      and to consummate the transactions contemplated hereby, subject to receipt of all necessary approvals of Governmental Authorities and the approval of HVBC&#8217;s shareholders of this Agreement.&#160; Neither HVBC nor HVB exercises trusts powers or acts as a
      fiduciary in any manner requiring PADOBS or FDIC approval.&#160; The minute books of HVBC contain true, complete and accurate records, in all material respects, of all meetings and other corporate actions held or taken by shareholders of HVBC and the HVBC
      Board (including committees of the HVBC Board). The minute books of HVB contain true, complete and accurate records, in all material respects, of all meetings and other corporate actions held or taken by shareholders of HVB and the HVB Board
      (including committees of the HVB Board).</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.07</font></font></font> <u>Execution and Delivery</u></font>.&#160; Subject to the approval of this Agreement by the
      shareholders of HVBC, this Agreement and the transactions contemplated hereby have been authorized by all necessary corporate action of HVBC, the HVBC Board, HVB and the HVB Board on or prior to the date hereof.&#160; The HVBC Board has directed that this
      Agreement be submitted to HVBC&#8217;s shareholders for approval at a meeting of such shareholders and, except for the approval and adoption of this Agreement by the requisite affirmative vote of the holders of the outstanding shares of HVBC Stock entitled
      to vote thereon, no other vote of the shareholders of HVBC is required by law, the charter or bylaws of HVBC or otherwise to approve this Agreement and the transactions contemplated hereby.&#160; HVBC and HVB have duly executed and delivered this
      Agreement and, assuming due authorization, execution and delivery by CZFS, CZFSAC and FCCB, this Agreement is a valid and legally binding obligation of HVBC and HVB, enforceable in accordance with its terms (except as enforceability may be limited by
      applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.08 </font></font></font><u>Regulatory Approvals; No Defaults</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No consents or approvals of, or waivers by, or filings
        or registrations with, any Governmental Authority or with any third party are required to be made or obtained by HVBC or any of its Subsidiaries in connection with the execution, delivery or performance by HVBC or HVB of this Agreement or to
        consummate the transactions contemplated hereby, except for (i) filings of applications, notices or waiver requests, and consents, approvals or waivers described in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.08</font></u>,
        and (ii) the approval of this Agreement by the requisite affirmative vote of the holders of the outstanding shares of HVBC Stock.&#160; As of the date hereof, HVBC has no Knowledge of any reason why the approvals set forth above and referred to in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01(a)</font></u> will not be received in a timely manner.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to receipt of the consents, approvals and
        waivers and the making of the filings referred to in the preceding paragraph, and the expiration of related waiting periods, the execution, delivery and performance of this Agreement by HVBC and HVB, as applicable, and the consummation of the
        transactions contemplated hereby do not and will not (i) constitute a breach or violation of, or a default under, the charter or bylaws of HVBC (or similar governing documents) or similar governing documents of any of its Subsidiaries, (ii) violate
        any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to HVBC or any of its Subsidiaries, or any of its properties or assets or (iii) violate, conflict with, result in a breach of any provision of or
        the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.08(b)</u></font> accelerate the performance required by, or result in the creation of any Lien upon any of the properties or assets of HVBC or any of its
        Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, contract, agreement or other instrument or obligation to which HVBC or any of its Subsidiaries is a party, or by
        which it or any of its properties or assets may be bound or affected, except for such violations, conflicts, breaches or defaults under clause (ii) or (iii) hereof which, either individually or in the aggregate, would not reasonably be expected to
        have a Material Adverse Effect on HVBC or HVB.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.09 </font></font></font></font><u>Financial
          Statements; SEC Documents</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC has previously made available to CZFS copies of the
        HVBC Financial Statements. The HVBC Financial Statements (including the related notes, where applicable) fairly present in all material respects (subject, in the case of the unaudited statements, to recurring audit adjustments normal in nature and
        amount), the results of the operations and financial position of HVBC and its consolidated Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth; each of such statements (including the related notes, where
        applicable) complies with applicable accounting requirements; and each of such statements (including the related notes, where applicable) has been prepared in accordance with GAAP consistently applied during the periods involved, except as
        indicated in the notes thereto.&#160; The books and records of HVBC have been, and are being, maintained in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions.&#160; S.R. Snodgrass, P.C. has
        not resigned or been dismissed as independent public accountants of HVBC as a result of or in connection with any disagreements with HVBC on a matter of accounting principles or practices, financial statement disclosure or auditing scope or
        procedure.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">HVBC&#8217;s Annual Report on Form 10-K, as amended through the date of this Agreement, for the fiscal year ended December 31, 2021 (the &#8220;<u>HVBC 2021 Form 10-K</u>&#8221;), and all other reports, registration statements,
          definitive proxy statements or information statements required to be filed or furnished by HVBC or any of its Subsidiaries subsequent to January 1, 2022, under the Securities Act, or under Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act
          (collectively, the &#8220;<u>HVBC SEC Documents</u>&#8221;), with the Securities and Exchange Commission (the &#8220;<u>SEC</u>&#8221;), and all of the HVBC SEC Documents filed with the SEC after the date of this Agreement, in the form filed or to be filed, (i) complied
          or will comply as to form in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not and will not contain any untrue statement of a material fact or omit to state a
          material fact required to be stated therein or necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading. Except for those liabilities that are fully reflected or reserved against in
          the most recent audited consolidated balance sheet of HVBC and its Subsidiaries contained in the HVBC 2021 Form 10-K and, except for liabilities reflected in HVBC SEC Documents filed prior to the date of this Agreement or incurred in the ordinary
          course of business consistent with past practices or in connection with this Agreement, since December 31, 2021, neither HVBC nor any of its Subsidiaries has any liabilities or obligations of any nature (whether accrued, absolute, contingent or
          otherwise) required by GAAP to be set forth on its consolidated balance sheet or in the notes thereto.</font></font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">HVBC and each of its Subsidiaries,
        officers and directors are in compliance with, and have complied in all material respects, with (1) the applicable provisions of Sarbanes-Oxley and the related rules and regulations promulgated under such act and the Exchange Act and (2) the
        applicable listing and corporate governance rules and regulations of NASDAQ. HVBC (i) has established and maintained disclosure controls and procedures and internal control over financial reporting (as such terms are defined in paragraphs (e) and
        (f), respectively, of Rule 13a-15 under the Exchange Act) as required by Rule 13a-15 under the Exchange Act, and (ii) has disclosed based on its most recent evaluations, to its outside auditors and the audit committee of the HVBC Board (A) all
        significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect HVBC&#8217;s ability to record,
        process, summarize and report financial data and (B) any fraud, whether or not material, that involves management or other employees who have a significant role in HVBC&#8217;s internal control over financial reporting.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.10</font></font></font></font> <u>Absence of
          Certain Changes or Events</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Since December 31, 2021, there has been no change or
        development or combination of changes or developments which, individually or in the aggregate, has had or is reasonably likely to have a Material Adverse Effect on HVBC.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.10(b)</u></font>, since December 31, 2021, each of HVBC and its Subsidiaries has carried on its business only in the ordinary and usual course of business consistent with its
        past practices (except for actions in connection with the transactions contemplated by this Agreement).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.10(c)</u></font>, since December 31, 2021, none of HVBC or any of its Subsidiaries has (i) except in the ordinary course of business consistent with past practice, increased
        the wages, salaries, compensation, pension, or other fringe benefits or perquisites payable to any employee, director or other individual service provider from the amount thereof in effect as of December 31, 2021, except as disclosed in the HVBC
        SEC Documents, granted any severance, termination pay, bonus, retention bonus, or change in control benefits, entered into any contract to make or grant any severance, termination pay, bonus, retention bonus, or change in control benefits, or paid
        any bonus or retention bonus, (ii) except as disclosed in the HVBC SEC Documents, declared, set aside or paid any dividend or other distribution (whether in cash, stock or property) with respect to any of HVBC&#8217;s capital stock, (iii) effected or
        authorized any split, combination or reclassification of any of HVBC&#8217;s capital stock or any issuance or issued any other securities in respect of, in lieu of or in substitution for shares of HVBC&#8217;s capital stock, (iv) except as disclosed in the
        HVBC SEC Documents, changed any accounting methods (or underlying assumptions), principles or practices of HVBC affecting its assets, liabilities or business, including without limitation, any reserving, renewal or residual method, practice or
        policy, (v) made any tax election by HVBC or any settlement or compromise of any income tax liability by HVBC, (vi) made any material change in HVBC&#8217;s policies and procedures in connection with underwriting standards, origination, purchase and sale
        procedures or hedging activities with respect to any Loans, (vii) suffered any strike, work stoppage, slowdown, or other labor disturbance, (viii) been a party to a collective bargaining agreement, contract or other agreement or understanding with
        a labor union or organization, (ix) had any union organizing activities or (x) made any agreement or commitment (contingent or otherwise) to do any of the foregoing.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
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    </div>
    <div style="text-align: left; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.11 <u>[Reserved]</u></font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          3.12 </font><u>Regulatory Matters</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of HVBC and its Subsidiaries has timely filed all
        reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since January 1, 2020 with any Governmental Authority, and has paid all fees and assessments due and payable
        in connection therewith.&#160; Except for normal examinations conducted by any Governmental Authority in the regular course of the business of HVBC, and except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC
            Disclosure </u><u>Schedule 3.12</u></font>, no Governmental Authority has initiated any proceeding, or to the Knowledge of HVBC, investigation into the business or operations of HVBC or any of its Subsidiaries, since January 1, 2020.&#160; HVB is
        &#8220;well-capitalized&#8221; as defined in applicable laws and regulations, and HVB has a Community Reinvestment Act of 1977, as amended (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Community Reinvestment Act</u></font>&#8221;), rating
        of &#8220;satisfactory&#8221; or better.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.12</u></font>, since January 1, 2020, HVBC has timely filed with the SEC and NASDAQ all documents required by the Securities Act and the Exchange Act and such documents, as the
        same may have been amended, complied, at the time filed with the SEC, in all material respects with the Securities Act and the Exchange Act.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither HVBC nor HVB, nor any of their properties is a
        party to or is subject to any order, decree, agreement, memorandum of understanding or similar arrangement with, or a commitment letter or similar submission to, or extraordinary supervisory letter (each a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Order</u></font>&#8221;) from, any Governmental Authority charged with the supervision or regulation of financial institutions or issuers of securities or engaged in the insurance of deposits (including,
        without limitation, the PADOBS, the FRB, the FDIC and the SEC) or the supervision or regulation of it.&#160; HVBC and HVB have not been advised by, or has any Knowledge of facts which could give rise to an advisory notice by, any Governmental Authority
        that such Governmental Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) any Regulatory Order.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.13 </font></font><u>Legal Proceedings; Regulatory Action</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.13</u></font>, (i) there are no pending or, to HVBC&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or
        regulatory investigations against HVBC or any of its Subsidiaries and (ii) to HVBC&#8217;s Knowledge, there are no facts which would reasonably be expected to give rise to such litigation, claim, suit, investigation or other proceeding.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither HVBC nor HVB is a party to any, nor are there
        any pending or, to HVBC&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against HVBC or HVB in which, to the Knowledge of HVBC, there is a reasonable
        probability of any material recovery against or a Material Adverse Effect on HVBC or which challenges the validity or propriety of the transactions contemplated by this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">There is no injunction, order, judgment or decree
        imposed upon HVBC or any of its Subsidiaries, or their respective assets, and to HVBC&#8217;s Knowledge, no such action has been threatened against HVBC or any of its Subsidiaries.</font></div>
    <div>&#160; <br>
    </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">None of HVBC or any of its
        Subsidiaries has been subject to any order or directive by, or been ordered to pay any civil money penalty by, or has been since January 1, 2020, a recipient of any supervisory letter from, or since January 1, 2020, has adopted any policies,
        procedures or board resolutions at the request or suggestion of, any Governmental Authority that currently regulates in any material respect the conduct of its business or that in any manner relates to its capital adequacy, its ability to pay
        dividends, its credit or risk management policies, its management or its business, other than those of general application that apply to similarly-situated banks or financial holding companies or their subsidiaries.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither HVBC nor HVB has been advised by a Governmental
        Authority that it will issue, or has Knowledge of any facts which would reasonably be expected to give rise to the issuance by any Governmental Authority or has Knowledge that such Governmental Authority is contemplating issuing or requesting (or
        is considering the appropriateness of issuing or requesting), any such order, decree, agreement, board resolution, memorandum of understanding, supervisory letter, commitment letter, condition or similar submission.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.14 </font></font><u>Compliance with Laws</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of HVBC and its Subsidiaries is in compliance in
        all material respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable thereto or to the employees conducting such businesses, including, without
        limitation, the Investment Company Act of 1940, as amended, the Equal Credit Opportunity Act, as amended, the Fair Housing Act, as amended, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the Bank Secrecy Act of 1970, as amended,
        the USA PATRIOT Act, and all other applicable fair lending and fair housing laws or other laws relating to discrimination;</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of HVBC and its Subsidiaries has all permits,
        licenses, authorizations, orders and approvals of, and have made all filings, applications and registrations with, all Governmental Authorities that are required in order to permit it to own or lease its properties and to conduct its business as
        presently conducted <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">except where the failure to hold such permits, licensees, authorizations, orders or approvals, or the failure to make such filings,
          applications or registrations would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on </font>HVBC <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or </font>its

        Subsidiaries; all such permits, licenses, certificates of authority, orders and approvals are in full force and effect and, to HVBC&#8217;s Knowledge, no suspension or cancellation of any of them is threatened;</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any Subsidiary has received, since
        January 1, 2020, any notification or communication from any Governmental Authority (i) asserting that it is not in material compliance with any of the statutes, regulations or ordinances which such Governmental Authority enforces or (ii)
        threatening to revoke any license, franchise, permit or governmental authorization (nor, to HVBC&#8217;s Knowledge, do any grounds for any of the foregoing exist); and</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Since January 1, 2020, HVBC has conducted any finance
        activities (including, without limitation, mortgage banking and mortgage lending activities and consumer finance activities) in all material respects in compliance with all applicable statutes and regulations regulating the business of consumer
        lending, including, without limitation, state usury laws, the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Consumer Credit Protection Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Homeowners
        Ownership and Equity Protection Act, the Fair Debt Collection Practices Act and other federal, state, local and foreign laws regulating lending (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Finance Laws</u></font>&#8221;), and with
        all applicable origination, servicing and collection practices with respect to any loan or credit extension by such entity.&#160; In addition, there is no pending or, to the Knowledge of HVBC, threatened charge by any Governmental Authority that HVBC
        has violated, nor any pending or, to HVBC&#8217;s Knowledge, threatened investigation by any Governmental Authority with respect to possible violations of, any applicable Finance Laws.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.15</font></font> <u>Material Contracts; Defaults</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.15</u></font> or as filed with the HVBC SEC Documents, none of HVBC or any of its Subsidiaries is a party to, bound by or subject to any agreement, contract,
        arrangement, commitment or understanding (whether written or oral): (i) with respect to the employment or service of any current or former employees, or directors of HVBC or any of its Subsidiaries; (ii) which would entitle any current or former
        employee, director, other individual service provider or agent of HVBC or any of its Subsidiaries to indemnification from HVBC or such Subsidiaries; (iii) any agreement, arrangement, or commitment (whether written or oral) which, upon the
        consummation of the transactions contemplated by this Agreement would result in any payment (whether of change in control, bonus, retention bonus, severance pay or otherwise) becoming due from HVBC or any of its Subsidiaries to any employee,
        director, or other individual service provider thereof; (iv) which is not terminable on sixty (60) days or less notice and involving the payment of more than $50,000 per annum; (v) is material to the financial condition, results of operations or
        business of HVBC or any of its Subsidiaries; (vi) is a Lease; or (vii) which materially restricts the conduct of any business by HVBC.&#160; HVBC has previously delivered or made available to CZFS true, complete and correct copies of each such
        document.&#160; Each contract, arrangement, commitment or understanding of the type of described in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.15(a)</font></u>, whether or not set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.15</u></font> is referred to herein as a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Material Contract</u></font>.&#8221;</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">To its Knowledge, none of HVBC or any of its
        Subsidiaries is in default under any Material Contract, and there has not occurred any event that, with the lapse of time or the giving of notice or both, would constitute such a default.&#160; No power of attorney or similar authorization given
        directly or indirectly by HVBC or any of its Subsidiaries is currently outstanding.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.16 </font></font><u>Brokers</u></font>.&#160; Neither HVBC nor any of its Subsidiaries nor any of their respective officers or directors has employed any broker or finder or
      incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this Agreement, except that HVBC has engaged, and will pay a fee or commission to, The Kafafian Group.&#160; A true,
      complete and correct copy of the engagement letter with The Kafafian Group has been provided to CZFS.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.17 </font></font><u>Employee Benefit Plans</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All benefit and compensation plans, contracts, programs,
        policies or arrangements maintained, sponsored or contributed to by HVBC or HVB, or with respect to which HVBC or HVB has any liability, whether actual or contingent, covering current or former employees of HVBC or HVB (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Employees</u></font>&#8221;), current or former directors of HVBC or HVB, any other individual service providers of HVBC or HVB, or the dependents or beneficiaries of any of the foregoing, including, but
        not limited to, &#8220;employee benefit plans&#8221; within the meaning of Section 3(3) of ERISA, and deferred compensation, stock option, stock purchase, stock appreciation rights, stock based, supplemental retirement, employment, consulting, termination,
        severance, change in control, separation, retention, incentive, bonus, fringe benefit, health, medical, dental, vision, disability, accident, life insurance, welfare benefit, cafeteria, flexible spending, vacation, paid time off or perquisite
        plans, contracts, programs, policies or arrangements, in each case, whether written or unwritten (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Benefit Plans</u></font>&#8221;), are identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.17(a)</u></font>.&#160; HVBC or HVB has delivered or made available to CZFS a copy of each HVBC Benefit Plan (or a written description of the material provisions of each unwritten
        HVBC Benefit Plan) and, with respect thereto, as applicable, (i) all amendments, currently effective trust (or other funding vehicle) agreements and insurance contracts, (ii) the most recent summary plan description (and all summaries of material
        modifications thereto), (iii) the most recent actuarial report (or other financial statement relating to such HVBC Benefit Plan), (iv) the most recently filed Forms 5500 (with all schedules and attachments), (v) the most recent determination (or,
        if applicable, opinion or advisory) letter from the IRS and (vi) all material correspondence to or from a Governmental Authority during the past three (3) years.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">18</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each HVBC Benefit Plan has been maintained and
        administered in material compliance with its terms and applicable law, including, without limitation, ERISA and the Code. Each HVBC Benefit Plan which is an &#8220;employee pension benefit plan&#8221; within the meaning of Section 3(2) of ERISA (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Pension Plan</u></font>&#8221;) and which is intended to be qualified under Section 401(a) of the Code, has received a favorable determination (or, if applicable, opinion or advisory)&#160;
        letter from the IRS, and to the Knowledge of HVBC, there are no circumstances likely to result in revocation of any such favorable determination (or, if applicable, opinion or advisory) letter or the loss of the qualification of such HVBC Pension
        Plan under Section 401(a) of the Code.&#160; There is no pending or, to HVBC&#8217;s Knowledge, threatened claim, action, suit, litigation, proceeding, arbitration, mediation, investigation or audit relating to the HVBC Benefit Plans (other than routine
        claims for benefits in the normal course).&#160; Neither HVBC nor HVB has engaged in a transaction with respect to any HVBC Benefit Plan that, assuming the taxable period of such transaction expired as of the date hereof, could subject HVBC or HVB to a
        material tax or penalty imposed by either Section 4975 of the Code or Section 502(i) of ERISA.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither HVBC, HVB nor any entity which is considered to
        be one employer with HVBC or HVB under Section 4001 of ERISA or Section 414 of the Code maintains, sponsors, participates in or contributes to (or has any obligation to contribute to), or has ever maintained, sponsored, participated in or
        contributed to (or had any obligation to contribute to), or has or is reasonably expected to have any direct or indirect liability with respect to any plan subject to Title IV of ERISA, including any &#8220;multiemployer plan,&#8221; as defined in Section
        3(37) of ERISA.&#160; None of the HVBC Benefit Plans is a &#8220;multiple employer plan&#8221; (within the meaning of Section 210 of ERISA or Section 413(c) of the Code) or a &#8220;multiple employer welfare arrangement&#8221; (within the meaning of Section 3(40) of ERISA).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All contributions, payments, and other obligations
        required to be made under the terms of any HVBC Benefit Plan or an agreement with any HVBC Employee have been timely made or have been reflected on the financial statements of HVBC.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.17(e)</u></font>, neither HVBC nor HVB has any obligations to provide or fund retiree health or life insurance benefits, other than coverage as may be required under Section
        4980B of the Code or Part 6 of Title I of ERISA, or under the continuation of coverage provisions of the applicable laws of any state or locality.&#160; HVBC or HVB may amend or terminate any HVBC Benefit Plan identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.17(e)</u></font> at any time without incurring any liability thereunder.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.17(f)</u></font>, the execution of this Agreement, shareholder approval of this Agreement or consummation of any of the transactions contemplated by this Agreement (either alone
        or together with any other event) will not (i) entitle any HVBC Employees to severance pay or any increase in severance pay upon any termination of employment after the date hereof, (ii) accelerate the time of payment or vesting or trigger any
        payment or funding (through a grantor trust or otherwise) of compensation or benefits under, increase the amount payable or trigger any other material obligation pursuant to, any of the HVBC Benefit Plans, (iii) result in any breach or violation
        of, or a default under, any of the HVBC Benefit Plans, (iv) result in any payment that would be a &#8220;parachute payment&#8221; to a &#8220;disqualified individual&#8221; as those terms are defined in Section 280G of the Code, without regard to whether such payment is
        reasonable compensation for personal services performed or to be performed in the future, (v) limit or restrict the right of HVBC or HVB, or after the consummation of the transactions contemplated hereby, CZFS, the Surviving Corporation or the
        Surviving Bank, to merge, amend, or terminate any of the HVBC Benefit Plans, or (vi) result in payments that would not be deductible under Section 162(m) of the Code.</font></div>
    <div>&#160;<br>
    </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">19</font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.17(g)</u></font>, neither HVBC nor HVB has any obligation to compensate any current or former employee, officer, director or other service provider of HVBC or HVB for excise
        Taxes paid pursuant to Section 4999 of the Code. <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.17(g)</u></font> contains a schedule showing the present value of the monetary amounts payable as of the
        date specified in such schedule, whether individually or in the aggregate (including good faith estimates of all amounts not subject to precise quantification as of the date of this Agreement), under any employment, change-in-control, severance or
        similar contract, plan or arrangement with or which covers any present or former director, officer or employee of HVBC or HVB who may be entitled to any such amount and identifying the types and estimated amounts of the in-kind benefits due under
        any HVBC Benefit Plans (other than a plan qualified under Section 401(a) of the Code) for each such person, specifying the assumptions in such schedule.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC, HVB and each HVBC Benefit Plan are in material
        compliance with the applicable terms of the Patient Protection and Affordable Care Act of 2010, as amended by the Health Care and Education Reconciliation Act of 2010, and the guidance and regulations issued under each of the foregoing.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each HVBC Benefit Plan that is a &#8220;nonqualified deferred
        compensation plan&#8221; (as such term is defined in Section 409A(d)(1) of the Code) has been administered in all material respects in compliance with its terms and the operational and documentary requirements of Section 409A of the Code and the
        regulations thereunder. Neither HVBC nor HVB has any obligation to gross up, indemnify or otherwise reimburse any current or former officer, director, employee or consultant of HVBC or HVB for any Taxes incurred by such individual pursuant to
        Section 409A of the Code.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.18 </font></font><u>Labor Matters</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries is a party to or
        bound by any collective bargaining agreement, contract or other agreement or understanding with a labor union or labor organization, nor is HVBC or any of its Subsidiaries the subject of a proceeding asserting that it has committed an unfair labor
        practice (within the meaning of the National Labor Relations Act, as amended) or seeking to compel HVBC or any of its Subsidiaries to bargain with any labor organization as to wages or conditions of employment, nor is there any strike or other
        labor dispute involving it pending or, to HVBC&#8217;s Knowledge, threatened, nor is HVBC or any of its Subsidiaries aware of any activity involving its employees seeking to certify a collective bargaining unit or engaging in other organizational
        activity.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC and each of its Subsidiaries is in material
        compliance with all applicable laws, statutes, rules and regulations respecting employment and employment practices, terms and conditions of employment of employees, former employees and prospective employees, wages and hours, pay equity,
        discrimination in employment, wrongful discharge, collective bargaining, fair labor standards, occupational health and safety, personal rights or any other labor and employment-related matters.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC and each of its Subsidiaries has paid in full to
        all of its employees or adequately accrued in accordance with GAAP all wages, salaries, commissions, bonuses, benefits and other compensation due to or on behalf of such employees.&#160; HVBC and each of its Subsidiaries has properly classified all of
        its service providers as either employees or independent contractors and as exempt or non-exempt for all purposes (including for purposes of the HVBC Benefit Plans), if applicable, and has made all appropriate filings in connection with services
        provided by, and compensation paid to, such service providers, <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">except as would not reasonably be expected to result in a material liability to HVBC and its
          Subsidiaries, taken as a whole</font>.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">20</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">During the preceding three (3) years, (i) neither HVBC
        nor any of its Subsidiaries has effectuated a &#8220;plant closing&#8221; (as defined in the federal or applicable state WARN Act) affecting any site of employment or one or more facilities or operating units within any site of employment or facility, (ii)
        there has not occurred a &#8220;mass layoff&#8221; (as defined in the federal or applicable state WARN Act) in connection with HVBC or any of its Subsidiaries affecting any site of employment or one or more facilities or operating units within any site of
        employment or facility and (iii) neither HVBC nor any of its Subsidiaries been affected by any transaction or engaged in layoffs or employment terminations sufficient in number to trigger application of any similar applicable law.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.19</font></font>&#160; <u>Environmental Matters</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.19</u></font>, each property owned, leased or operated by HVBC and its Subsidiaries are, and have been, in material compliance with all Environmental Laws.&#160; Neither HVBC nor any of
        its Subsidiaries has Knowledge of, nor has HVBC or any of its Subsidiaries received notice of, any past, present, or future conditions, events, activities, practices or incidents that may interfere with or prevent the material compliance of HVBC or
        HVB with all Environmental Laws.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC and its Subsidiaries have obtained all material
        permits, licenses and authorizations that are required for its operations under all Environmental Laws <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">except where the failure to hold such permits, licensees and
          authorizations would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on </font>HVBC <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or </font>its Subsidiaries.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No Hazardous Substance exists on, about or within any of
        the owned real properties, nor to HVBC&#8217;s Knowledge have any Hazardous Substance previously existed on, about or within or been used, generated, stored, transported, disposed of, on or released from any of its properties.&#160; The use that HVBC or any
        of its Subsidiaries makes and intends to make of any of its properties shall not result in the use, generation, storage, transportation, accumulation, disposal or release of any Hazardous Substance on, in or from any of those properties.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">There is no action, suit, proceeding, investigation, or
        inquiry before any court, administrative agency or other governmental authority pending or, to HVBC&#8217;s Knowledge, threatened against HVBC or HVB relating in any way to any Environmental Law.&#160; None of HVBC or any of its Subsidiaries has a material
        liability for remedial action under any Environmental Law.&#160; None of HVBC or any of its Subsidiaries has received any request for information by any governmental authority with respect to the condition, use or operation of any of its owned real
        properties or HVBC Loan Properties nor has HVBC or any of its Subsidiaries received any notice of any kind from any governmental authority or other person with respect to any violation of or claimed or potential liability of any kind under any
        Environmental Law with respect to any of its owned real properties or HVBC Loan Properties.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.20 </font></font><u>Tax Matters</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC and its Subsidiaries have filed all income and
        other material Tax Returns that they were required to file under applicable laws and regulations, other than Tax Returns that are not yet due or for which a request for extension was filed.&#160; All such Tax Returns were correct and complete in all
        material respects and have been prepared in substantial compliance with all applicable laws and regulations.&#160; All material Taxes due and owing by HVBC <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">and its
          Subsidiaries</font> (whether or not shown on any Tax Return) have been paid other than Taxes that have been reserved or accrued on the balance sheet of HVBC or such Subsidiary is contesting in good faith.&#160; None of HVBC or any of its Subsidiaries
        is the beneficiary of any extension of time within which to file any Tax Return, and neither HVBC nor any its Subsidiaries currently has any open tax years other than those with respect to which the statute of limitations has not expired.&#160; No claim
        has ever been made by an authority in a jurisdiction where HVBC or any of its Subsidiaries does not file material Tax Returns that it is or may be subject to taxation by that jurisdiction.&#160; There are no Liens for material Taxes (other than Taxes
        not yet due and payable) upon any of the assets of HVBC or any Subsidiary.</font><br>
      &#160; <br>
    </div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of HVBC and its Subsidiaries has withheld and paid
        all material Taxes required to have been withheld and paid in connection with any amounts paid or owing to any employee, independent contractor, creditor, shareholder, or other third party, and has timely complied with all applicable information
        reporting requirements under Part III, Subchapter A of Chapter 61 of the Code and similar applicable state and local information reporting requirements.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No foreign, federal, state, or local tax audits or
        administrative or judicial Tax proceedings are being conducted or to the Knowledge of HVBC are pending with respect to HVBC or any of its Subsidiaries.&#160; None of HVBC or any of its Subsidiaries has received from any foreign, federal, state, or local
        taxing authority (including jurisdictions where HVBC or any Subsidiary has not filed Tax Returns) any (i) written notice indicating an intent to open an audit or other review, (ii) written request for information related to Tax matters, or (iii)
        written notice of deficiency or proposed adjustment for any amount of Tax proposed, asserted, or assessed by any taxing authority against HVBC or any of its Subsidiaries.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC has provided CZFS with true and complete copies of
        the United States federal, state, local, and foreign income Tax Returns filed with respect to HVBC and its Subsidiaries for taxable periods ended December 31, 2021, 2020 and 2019.&#160; HVBC has delivered to CZFS correct and complete copies of all
        statements of deficiencies assessed against or agreed to by HVBC or any of its Subsidiaries filed for the years ended December 31, 2021, 2020 and 2019.&#160; Each of HVBC and its Subsidiaries has timely and properly taken such actions in response to and
        in compliance with notices HVBC or any Subsidiary has received from the IRS in respect of information reporting and backup and nonresident withholding as are required by law.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries has waived any
        statute of limitations in respect of Taxes or agreed to any extension of time with respect to a Tax assessment or deficiency.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries has been a
        United States real property holding corporation within the meaning of Code Section 897(c)(2) during the applicable period specified in Code Section 897(c)(1)(A)(ii).&#160; Except as set for in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.20(f)</u></font>, none of HVBC or any of its Subsidiaries is a party to or bound by any Tax allocation or sharing agreement.&#160; None of HVBC or any of its Subsidiaries (i) has been a member of any
        consolidated, affiliated or unitary group of corporations for any Tax purposes, and (ii) has any liability for the Taxes of any individual, bank, corporation, partnership, association, joint stock company, business trust, limited liability company,
        or unincorporated organization (other than HVBC or such Subsidiary) under Reg. Section 1.1502-6 (or any similar provision of state, local, or foreign law), as a transferee or successor, by contract, or otherwise.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The unpaid Taxes of HVBC and its Subsidiaries (i) did
        not, as of the end of the most recent period covered by HVBC&#8217;s or such Subsidiary&#8217;s call reports filed on or prior to the date hereof, exceed the reserve for Tax liability (rather than any reserve for deferred Taxes established to reflect timing
        differences between book and Tax income) set forth on the face of the financial statements included in HVBC&#8217;s or such Subsidiary&#8217;s call reports filed on or prior to the date hereof (rather than in any notes thereto), and (ii) do not exceed that
        reserve as adjusted for the passage of time through the Closing Date in accordance with the past custom and practice of HVBC and its Subsidiaries in filing its Tax Returns.&#160; Since the end of the most recent period covered by HVBC&#8217;s or such
        Subsidiary&#8217;s call reports filed prior to the date hereof, none of HVBC or any of its Subsidiaries has incurred any liability for Taxes arising from extraordinary gains or losses, as that term is used in GAAP, outside the ordinary course of business
        consistent with past custom and practice.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">22</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries shall be
        required to include any material item of income in, or exclude any item of deduction from, taxable income for any taxable period (or portion thereof) ending after the Closing Date as a result of any: (i) change in method of accounting for a taxable
        period ending on or prior to the Closing Date; (ii) &#8220;closing agreement&#8221; as described in Code Section 7121 (or any corresponding or similar provision of state, local or foreign income Tax law) executed on or prior to the Closing Date; (iii)
        intercompany transactions or any excess loss account described in Treasury Regulations under Code Section 1502 (or any corresponding or similar provision of state, local or foreign income Tax law); (iv) installment sale or open transaction
        disposition made on or prior to the Closing Date; or (v) prepaid amount received on or prior to the Closing Date.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">None of HVBC or any of its Subsidiaries has distributed stock of another Person or had its stock distributed by another Person in a transaction that was purported or intended to be governed in whole or in part by
          Section 355 or Section 361 of the Code</font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries has participated
        in a listed transaction within the meaning of Reg. Section 1.6011-4 (or any predecessor provision) and HVBC has not been notified of, or to HVBC&#8217;s Knowledge has participated in, a transaction that is described as a &#8220;reportable transaction&#8221; within
        the meaning of Reg. Section 1.6011-4(b)(1).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries is subject to
        any private letter ruling of the IRS or comparable rulings of any Governmental Authority.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of HVBC or any of its Subsidiaries has, or to
        HVBC&#8217;s Knowledge has ever had, a permanent establishment in any country other than the United States, or has not engaged in a trade or business in any country other than the United States that subjected it to tax in such country.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(m)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> Except as set forth on <u>HVBC Disclosure Schedule 3.20(l)</u>, none of HVBC or any of its Subsidiaries has deferred payroll taxes or availed itself of any of the tax deferred credits or benefits pursuant to the
          CARES Act or otherwise taken advantage of any change in applicable legal requirements in connection with the COVID-19 pandemic that has the result of temporarily reducing (or temporarily delaying the due date of) otherwise applicable payment
          obligations</font>.</font></div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;<br>
    </div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.21</font></font> <u>Investment Securities</u></font>.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.21</u></font>
        sets forth the book and market value as of June 30, 2022 of the investment securities, mortgage backed securities and securities held for sale of HVBC and its Subsidiaries, as well as, with respect to such securities, descriptions thereof, CUSIP
        numbers, book values, fair values and coupon rates.&#160; Each of HVBC and its Subsidiaries has good title to all securities owned by it (except those sold under repurchase agreements or held in any fiduciary or agency capacity), free and clear of any
        Liens, except to the extent such securities are pledged in the ordinary course of business to secure obligations of HVBC or any Subsidiary.</div>
      <div style="text-align: left;">&#160;&#160; <br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.22 </font></font></font><u>Derivative Transactions</u></font>.&#160; All Derivative Transactions entered into by
        HVBC or any of its Subsidiaries were entered into in all material respects in accordance with applicable rules, regulations and policies of any Governmental Authority, and in accordance with the investment, securities, commodities, risk management
        and other policies, practices and procedures employed by HVBC and its Subsidiaries, and were entered into with counterparties believed at the time to be financially responsible and able to understand (either alone or in consultation with their
        advisers) and to bear the risks of such Derivative Transactions.&#160; HVBC and its Subsidiaries have duly performed all of their obligations under the Derivative Transactions to the extent that such obligations to perform have accrued, and, to the <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Knowledge</font> of HVBC, there are no material breaches, violations or defaults or allegations or assertions of such by any party thereunder.&#160; HVBC and its
        Subsidiaries have adopted policies and procedures consistent with the publications of Governmental Authorities with respect to their derivatives program.</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"> <br>
      </div>
    </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">23</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 54pt; text-indent: 45pt;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.23</font></font></font></font> <u>Loans;
          Nonperforming and Classified Assets</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.23(a)</u></font>,&#160; none of HVBC <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or any of its Subsidiaries</font> is a party to any written or
        oral (i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Loans</u></font>&#8221;), under the terms of which the obligor was, as of June 30, 2022, over sixty (60) days delinquent in payment of principal or interest or in default of any other material provision, or (ii) Loan with any director,
        executive officer or five percent or greater shareholder of HVBC or any of its Subsidiaries, or to the Knowledge of HVBC, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.23(a)</u></font> identifies (x) each Loan that as of June 30, 2022 was classified as &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221;
        &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import by HVBC or any of its Subsidiaries or any bank examiner, together with the principal amount of and accrued and unpaid interest on each such Loan and the
        identity of the borrower thereunder, and (y) each asset of HVBC that as of June 30, 2022 was classified as other real estate owned (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>OREO</u></font>&#8221;) and the book value thereof.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each Loan (i) is evidenced by notes, agreements or other
        evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent secured, has been secured by valid Liens which have been perfected and (iii) to the Knowledge of HVBC, is a legal, valid and binding obligation of the
        obligor named therein, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and other laws of general applicability relating to or affecting creditors&#8217; rights and to general equity principles.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The loan documents with respect to each Loan were in
        material compliance with applicable laws and regulations and HVBC&#8217;s or the applicable Subsidiary&#8217;s lending policies at the time of origination of such Loans and are complete and correct.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.23(d)</u></font>, none of HVBC or any of its Subsidiaries is a party to any agreement or arrangement with (or otherwise obligated to) any Person which obligates HVBC or any of its
        Subsidiaries to repurchase from any such Person any Loan or other asset of HVBC or any of its Subsidiaries.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.24&#160; </font></font></font></font><u>Tangible Properties and Assets</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.24(a)</u></font> sets forth a true, correct and complete list of all real property owned by HVBC or any of its Subsidiaries.&#160; Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.24(a)</u></font>, and except for properties and assets disposed of in the ordinary course of business or as permitted by this Agreement, HVBC or any of its Subsidiaries has good title to, valid leasehold
        interests in or otherwise legally enforceable rights to use all of the real property, personal property and other assets (tangible or intangible), used, occupied and operated or held for use by it in connection with its business as presently
        conducted in each case, free and clear of any Lien, except for (i) statutory Liens for amounts not yet delinquent, (ii) Liens incurred in the ordinary course of business or imperfections of title, easements and encumbrances, if any, that,
        individually and in the aggregate, are not material in character, amount or extent, and do not materially detract from the value and do not materially interfere with the present use, occupancy or operation of any material asset, and (iii) those
        described and reflected in the HVBC Financial Statements.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">24</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.24(b)</u></font> sets forth a true, correct and complete schedule of all leases, subleases, licenses and other agreements under which HVBC or any of its Subsidiaries uses or occupies or has the right to use
        or occupy, now or in the future, real property (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Leases</u></font>&#8221;).&#160; Each of the Leases is valid, binding and in full force and effect and, as of the date hereof, none of HVBC
        or any of its Subsidiaries has received a written notice of, and otherwise has no Knowledge of any, default or termination with respect to any Lease.&#160; There has not occurred any event and, to HVBC&#8217;s Knowledge, no condition exists that would
        constitute a termination event or a material breach by HVBC or any of its Subsidiaries of, or material default by HVBC or any of its Subsidiaries in, the performance of any covenant, agreement or condition contained in any Lease, and to HVBC&#8217;s
        Knowledge, no lessor under a Lease is in material breach or default in the performance of any material covenant, agreement or condition contained in such Lease.&#160; Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC

            Disclosure Schedule 3.24(b)</u></font>, there is no pending or, to HVBC&#8217;s Knowledge, threatened proceeding, action or governmental or regulatory investigation of any nature by any Governmental Authority with respect to the real property that
        HVBC or any of its Subsidiaries uses or occupies or has the right to use or occupy, now or in the future, including without limitation a pending or threatened taking of any of such real property by eminent domain.&#160; Each of HVBC and its Subsidiaries
        has paid all rents and other charges to the extent due under the Leases.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.25 </font></font></font></font><u>Intellectual
          Property</u></font>.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure </u><u>Schedule 3.25</u></font> sets forth a true, complete and correct list of all HVBC Intellectual Property owned or purported to be
      owned by HVBC.&#160; HVBC owns or has a valid license to use all HVBC Intellectual Property necessary to the conduct of the business of HVBC, free and clear of all Liens, royalty or other payment obligations (except for royalties or payments with respect
      to off-the-shelf Software at standard commercial rates).&#160; HVBC Intellectual Property constitutes all of the Intellectual Property necessary to carry on the business of HVBC and its Subsidiaries as currently conducted.&#160; HVBC Intellectual Property
      owned by HVBC or any of its Subsidiaries, and to the Knowledge of HVBC, all other HVBC Intellectual Property, is valid and enforceable and has not been cancelled, forfeited, expired or abandoned, and none of HVBC or any of its Subsidiaries has
      received notice challenging the validity or enforceability of HVBC Intellectual Property.&#160; To the Knowledge of HVBC, the conduct of the business of HVBC and its Subsidiaries does not violate, misappropriate or infringe upon the Intellectual Property
      rights of any third party.&#160; The consummation of the transactions contemplated by this Agreement will not result in the loss or impairment of the right of HVBC or any of its Subsidiaries to own or use any of the HVBC Intellectual Property.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.26</font></font></font></font> <u>Fiduciary
          Accounts</u></font>.&#160; Since January 1, 2020, each of HVBC and its Subsidiaries has properly administered all accounts for which it is or was a fiduciary, including but not limited to accounts for which it serves or served as a trustee, agent,
      custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable laws and regulations. Neither HVBC nor any of its Subsidiaries nor any of their respective
      directors, officers or employees, has committed any breach of trust with respect to any fiduciary account and the records for each such fiduciary account are true and correct and accurately reflect the assets of such fiduciary account.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">25</font></div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 54pt; text-indent: 45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.27 </font></font></font></font><u>Insurance</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.27(a)</u></font> identifies all of the material insurance policies, binders, or bonds currently maintained by HVBC or any of its Subsidiaries, other than credit-life policies (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Insurance Policies</u></font>&#8221;), including the insurer, policy numbers, amount of coverage, effective and termination dates and any pending claims thereunder involving incurred losses of more than
        $50,000.&#160; Each of HVBC and its Subsidiaries is insured, and during each of the past three (3) calendar years has been insured against such risks and in such amounts as the management of HVBC reasonably has determined to be prudent in accordance
        with industry practices and has maintained all insurance required by applicable laws and regulations.&#160; All the Insurance Policies are in full force and effect, none of HVBC or any of its Subsidiaries is in material default thereunder and all claims
        thereunder have been filed in due and timely fashion.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.27(b)</u></font> sets forth a true, correct and complete description of all bank owned life insurance (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>BOLI</u></font>&#8221;) owned by HVBC or
        any of its Subsidiaries, including the value of BOLI as of the end of the most recent month for which a statement is available prior to the date hereof.&#160; The value of such BOLI as of the date hereof is fairly and accurately reflected in the HVBC
        Financial Statements in accordance with GAAP.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.28 </font></font></font></font><u>Antitakeover
          Provisions</u></font>.&#160; No &#8220;control share acquisition,&#8221; &#8220;business combination moratorium,&#8221; &#8220;fair price&#8221; or other form of antitakeover statute or regulation is applicable to this Agreement and the transactions contemplated hereby.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.29</font></font></font></font> <u>Fairness Opinion</u></font>.&#160;

      The HVBC Board has received the written opinion of The Kafafian Group to the effect that as of the date hereof the Merger Consideration is fair to the holders of HVBC Stock from a financial point of view.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.30 </font></font></font></font><u>Proxy
          Statement/Prospectus</u></font>.&#160; As of the date of the Proxy Statement/Prospectus and the date of the meeting of the shareholders of HVBC to which such Proxy Statement/Prospectus relates, the Proxy Statement/Prospectus will not contain any
      untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, provided that information as of a later date shall be deemed to
      modify information as of an earlier date, and further provided that no representation and warranty is made with respect to information relating to CZFS and its Subsidiaries included in the Proxy Statement/Prospectus.</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.31 </font></font></font></font><u>CRA,
            Anti-money Laundering and Customer Information Security</u></font>.&#160; Neither HVBC nor HVB is a party to any agreement with any individual or group regarding CRA matters and neither HVBC nor HVB has any Knowledge of, nor has HVBC or HVB been
        advised in writing of or has any reason to believe (based on HVBC&#8217;s Home Mortgage Disclosure Act data for the year ended December 31, 2021, filed with the FDIC, or otherwise) that any facts or circumstances exist, which would cause HVBC or HVB: (a)
        to be deemed not to be in satisfactory compliance with the CRA, and the regulations promulgated thereunder, or to be assigned a rating for CRA purposes by Bank Regulators of lower than &#8220;satisfactory&#8221;; (b) to be deemed to be operating in material
        violation of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Chapter X), the USA PATRIOT Act, and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S.
        Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule or regulation; or (c) to be deemed not to be in material compliance with the applicable requirements contained in any federal
        and state privacy or data security laws and regulations, including, without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted
        by HVBC pursuant to 12 C.F.R. Part 208, Subpart J, Appendix D.&#160; Furthermore, the HVBC Board has adopted and HVBC has implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures
        that has not been deemed ineffective by any Governmental Authority and that meets the requirements of Sections 352 and 326 and all other applicable provisions of the USA PATRIOT Act and the regulations thereunder.&#160; </div>
    </div>
    &#160;
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.32</font></font></font></font> <u>Transactions
          with Affiliates</u></font>.&#160; Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 3.32, </u></font>there are no outstanding amounts payable to or receivable from, or advances by HVBC
      or any of its Subsidiaries to, and neither HVBC nor any of its Subsidiaries is otherwise a creditor or debtor to, any shareholder owning five percent (5%) or more of the outstanding HVBC Stock, director, employee or Affiliate of HVBC or any of its
      Subsidiaries, other than as part of the normal and customary terms of such persons&#8217; employment or service as a director with HVBC or any of its Subsidiaries or other than in the ordinary course of HVB&#8217;s business.&#160; All transactions, agreements and
      relationships between HVBC and any Subsidiary and any Affiliates, shareholders, directors or officers of HVBC and any Subsidiary comply, to the extent applicable, with Regulation W and Regulation O of the FRB.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.33</font></font></font></font> <u>Disclosure</u></font>.&#160;

      The representations and warranties contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font>, when considered as a whole, do not contain any untrue statement of a material fact or omit to state any material
      fact necessary in order to make the statements and information contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font> not misleading.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE IV</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">REPRESENTATIONS AND WARRANTIES OF CZFS, CZFSAC AND FCCB</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">As a material inducement to HVBC to enter into this Agreement and to consummate the transactions contemplated hereby, CZFS, CZFSAC and FCCB hereby make
      to HVBC and HVB the representations and warranties contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font></u>, provided, however, that CZFS shall not be deemed to have breached a representation or
      warranty as a consequence of the existence of any fact, event or circumstance unless such fact, circumstance or event, individually or taken together with all other facts, events or circumstances inconsistent with any representation or warranty
      contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font></u>, has had or is reasonably likely to have, a Material Adverse Effect (disregarding for purposes of this proviso any materiality or Material
      Adverse Effect qualification or exception contained in any representation or warranty). Notwithstanding the immediately preceding sentence, the representations and warranties contained in (x) <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.04</font></u> shall be deemed untrue and incorrect if not true and correct except to a de minimis extent, (y) <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.02</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">4.05</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">4.06</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">4.07</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">4.13(a)</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">4.14</font></u>, and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">4.21</font></u>
      shall be deemed untrue and incorrect if not true and correct in all material respects and (z) <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.09</font></u> shall be deemed untrue and incorrect if not true and correct in
      all respects.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.01 </font></font></font></font><u>Making of
          Representations and Warranties</u></font>.&#160; Except as set forth in the CZFS Disclosure Schedule and the CZFS SEC Documents, CZFS hereby represents and warrants to HVBC that the statements contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font></u> are correct as of the date of this Agreement and will be correct as of the Closing Date, except as to any representation or warranty which specifically relates to an earlier date, which only
      need be correct as of such earlier date.</div>
    <div>&#160;</div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.02</font></font></font></font> <u>Organization,
          Standing and Authority of CZFS and CZFSAC</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFS is a Pennsylvania corporation duly organized and
        validly existing under the laws of the Commonwealth of Pennsylvania, and is duly registered as a bank holding company under the BHC Act.&#160; CZFS is duly licensed or qualified to do business in the States of the United States and foreign jurisdictions
        where its ownership or leasing of property or the conduct of its business requires such qualification except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on CZFS.&#160; The charter and
        bylaws of CZFS, copies of which have been made available to HVBC, are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFSAC is a Pennsylvania limited liability company duly
        organized and validly existing under the laws of the Commonwealth of Pennsylvania.&#160; CZFSAC is duly licensed or qualified to do business in the States of the United States and foreign jurisdictions where its ownership or leasing of property or the
        conduct of its business requires such qualification except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on CZFS.&#160; The certificate of formation and limited liability company
        agreement of CZFSAC, copies of which have been made available to HVBC, are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.03 </font></font></font></font></font><u>Organization, Standing and Authority of FCCB</u></font>.&#160; FCCB is a Pennsylvania-chartered bank duly organized and validly existing under the laws of the Commonwealth of
      Pennsylvania.&#160; FCCB&#8217;s deposits are insured by the FDIC in the manner and to the fullest extent provided by applicable law, and all premiums and assessments required to be paid in connection therewith have been paid by FCCB when due.&#160; FCCB is a member
      bank and its primary federal bank regulator is the FRB.&#160; FCCB is a member in good standing of the FHLB and owns the requisite amount of stock of the FHLB as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS
          Disclosure </u><u>Schedule 4.03</u></font>.&#160; The charter and bylaws of FCCB, copies of which have been made available to HVBC, are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.04</font></font></font></font></font> <u>CZFS</u></font>.&#160; The authorized capital stock of CZFS consists of 25,000,000 shares of CZFS Stock, of which <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">4,427,687</font> shares are issued and 3,971,342 shares are outstanding as of the date hereof, and 3,000,000 shares of preferred stock, par value $1.00, of which no shares are outstanding as of the date hereof.&#160; As of the date
      hereof, 456,345 shares of CZFS Stock are held in treasury by CZFS.&#160; The outstanding shares of CZFS Stock have been duly authorized and validly issued and are fully paid and non-assessable.&#160; Except for the CZFS Stock to be issued pursuant to this
      Agreement, CZFS does not have any Rights issued or outstanding with respect to CZFS Stock and CZFS does not have any commitments to authorize, issue or sell any CZFS Stock or Rights.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.05 </font></font></font></font></font><u>Subsidiaries</u></font>.&#160; Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure </u><u>Schedule 4.05</u></font>, CZFS does
      not, directly or indirectly, own or control any Affiliate.&#160; Except as disclosed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure </u><u>Schedule 4.05</u></font>, CZFS does not have any equity interest, direct or
      indirect, in any other bank or corporation or in any partnership, joint venture or other business enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary
      capacity, and the business carried on by CZFS has not been conducted through any other direct or indirect Subsidiary or Affiliate of CZFS.&#160; No such equity investment identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS

          Disclosure </u><u>Schedule 4.05</u></font> is prohibited by the applicable federal or state laws and regulations.</div>
    <div>&#160;</div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.06&#160;</font></font></font></font></font><u>Corporate Power; Minute Books</u></font>.&#160; Each of CZFS, CZFSAC and FCCB has the corporate or other power and authority to carry on its business as it is now being conducted and
      to own all its properties and assets; and each of CZFS, CZFSAC and FCCB has the corporate or other power and authority to execute, deliver and perform its obligations under this Agreement and to consummate the transactions contemplated hereby,
      subject to receipt of all necessary approvals of Governmental Authorities.&#160; The minute books of CZFS contain true, complete and accurate records, in all material respects, of all meetings and other corporate actions held or taken by shareholders of
      CZFS and the CZFS Board (including committees of the CZFS Board). The minute books of CZFSAC contain true, complete and accurate records, in all material respects, of all meetings and other limited liability company actions held or taken by the
      member of CZFSAC. The minute books of FCCB contain true, complete and accurate records, in all material respects, of all meetings and other corporate actions held or taken by shareholders of FCCB and the FCCB Board (including committees of the FCCB
      Board).</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.07 </font></font></font></font></font><u>Execution and Delivery</u></font>.&#160; This Agreement and the transactions contemplated hereby have been authorized by (i) all necessary corporate action of CZFS and FCCB and each
      of their respective Boards of Directors and (ii) all necessary limited liability company action of CZFSAC, on or prior to the date hereof.&#160; No vote of the shareholders of CZFS is required by law, the charter and bylaws of CZFS or otherwise to approve
      this Agreement, or issue shares of CZFS and the transactions contemplated hereby. Each of CZFS, CZFSAC and FCCB has duly executed and delivered this Agreement and, assuming due authorization, execution and delivery by HVBC and HVB, this Agreement is
      a valid and legally binding obligation of each of CZFS, CZFSAC and FCCB, enforceable in accordance with its terms (except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and
      similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.08 </font></font></font></font></font><u>Regulatory Approvals; No Defaults</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No consents or approvals of, or waivers by, or filings
        or registrations with, any Governmental Authority or with any third party are required to be made or obtained by CZFS or any of its Subsidiaries in connection with the execution, delivery or performance by CZFS, CZFSAC or FCCB of this Agreement or
        to consummate the transactions contemplated hereby, except for (i) filings of applications, notices or waiver requests, and consents, approvals or waivers described in <font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.08(b)</font>.&#160;

        As of the date hereof, CZFS has no Knowledge of any reason why the approvals set forth above and referred to in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01(a)</font></u> will not be received in a timely manner.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to the receipt of all consents, approvals,
        waivers or non-objections of a Governmental Authority required to consummate the transactions contemplated by this Agreement, including, without limitation, (1) approvals of the FRB and the PADOBS (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>&#8221;), (2) the required filings under federal and state securities laws, (3) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">the declaration of effectiveness of the
          Merger Registration Statement by the SEC, and (4) approval of the listing of </font>CZFS <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Stock to be issued in the Merger on the NASDAQ, </font>the execution,
        delivery and performance of this Agreement and the consummation of the transactions contemplated hereby (including, without limitation, the Merger) by CZFS, CZFSAC and FCCB do not and will not (i) constitute a breach or violation of, or a default
        under, result in a right of termination, or the acceleration of any right or obligation under, any law, rule or regulation or any judgment, decree, order, permit, license, credit agreement, indenture, loan, note, bond, mortgage, reciprocal easement
        agreement, lease, instrument, concession, franchise or other agreement of CZFS or of any of its Subsidiaries or to which CZFS or any of its Subsidiaries, properties or assets is subject or bound, (ii) constitute a breach or violation of, or a
        default under, the charter or bylaws or other organizational documents of CZFS, CZFSAC or FCCB, or (iii) require the consent or approval of any third party or Governmental Authority under any such law, rule, regulation, judgment, decree, order,
        permit, license, credit agreement, indenture, loan, note, bond, mortgage, reciprocal easement agreement, lease, instrument, concession, franchise or other agreement, except for such violations, conflicts, breaches or defaults under clause (i) or
        (iii) hereof which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on CZFS, CZFSAC or FCCB.</font></div>
    <div>&#160;</div>
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      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">As of the date of this Agreement, CZFS has no Knowledge
        of any reasons relating to CZFS, CZFSAC or FCCB (including, without limitation, compliance with the CRA or the USA PATRIOT Act) why any of the Regulatory Approvals shall not be received from the applicable Governmental Authorities having
        jurisdiction over the transactions contemplated by this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.09 </font></font></font></font></font><u>Absence of Certain Changes or Events</u></font>.&#160; Since December 31, 2021, there has been no change or development or combination of changes or developments which, individually
      or in the aggregate, has had or is reasonably likely to have a Material Adverse Effect on CZFS and its Subsidiaries taken as a whole.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.10&#160;</font></font></font></font></font><u>SEC Documents; Financial Statements; and Financial Controls and Procedures</u></font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; .</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">CZFS&#8217;s Annual Report on Form 10-K, as amended through the date of this Agreement, for the fiscal year ended December 31, 2021 (the &#8220;<u>CZFS 2021 Form 10-K</u>&#8221;), and all other reports, registration statements,
          definitive proxy statements or information statements required to be filed or furnished by CZFS or any of its Subsidiaries subsequent to January 1, 2022, under the Securities Act, or under Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act
          (collectively, the &#8220;<u>CZFS SEC Documents</u>&#8221;), with the SEC, and all of the CZFS SEC Documents filed with the SEC after the date of this Agreement, in the form filed or to be filed, (i) complied or will comply as to form in all material
          respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not and will not contain any untrue statement of a material fact or omit to state a material fact required to be stated
          therein or necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets contained in or incorporated by reference into any such CZFS SEC Document
          (including the related notes and schedules thereto) fairly presents and will fairly present the financial position of the entity or entities to which such balance sheet relates as of its date, and each of the statements of income and changes in
          stockholders&#8217; equity and cash flows or equivalent statements in such CZFS SEC Documents (including any related notes and schedules thereto) fairly presents and will fairly present the results of operations, changes in stockholders&#8217; equity and
          changes in cash flows, as the case may be, of the entity or entities to which such statement relates for the periods to which it relates, in each case in accordance with GAAP consistently applied during the periods involved, except in each case
          as may be noted therein, subject to normal year-end audit adjustments in the case of unaudited financial statements. Except for those liabilities that are fully reflected or reserved against in the most recent audited consolidated balance sheet
          of CZFS and its Subsidiaries contained in the CZFS 2021 Form 10-K and, except for liabilities reflected in CZFS SEC Documents filed prior to the date of this Agreement or incurred in the ordinary course of business consistent with past practices
          or in connection with this Agreement, since December 31, 2021, neither CZFS nor any of its Subsidiaries has any liabilities or obligations of any nature (whether accrued, absolute, contingent or otherwise) required by GAAP to be set forth on its
          consolidated balance sheet or in the notes thereto. The books and records of CZFS have been, and are being, maintained in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. S.R.
          Snodgrass, P.C. has not resigned or been dismissed as independent public accountants of CZFS as a result of or in connection with any disagreements with CZFS on a matter of accounting principles or practices, financial statement disclosure or
          auditing scope or procedure</font>.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">30</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">CZFS and each of its Subsidiaries, officers and directors are in compliance with, and have complied in all material respects, with (1) the applicable provisions of Sarbanes-Oxley and the related rules and regulations
          promulgated under such act and the Exchange Act and (2) the applicable listing and corporate governance rules and regulations of NASDAQ.&#160; CZFS (i) has established and maintained disclosure controls and procedures and internal control over
          financial reporting (as such terms are defined in paragraphs (e) and (f), respectively, of Rule 13a-15 under the Exchange Act) as required by Rule 13a-15 under the Exchange Act, and (ii) has disclosed based on its most recent evaluations, to its
          outside auditors and the audit committee of the CZFS Board (A) all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) which
          are reasonably likely to adversely affect CZFS&#8217;s ability to record, process, summarize and report financial data and (B) any fraud, whether or not material, that involves management or other employees who have a significant role in CZFS&#8217;s
          internal control over financial reporting</font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.11 </font></font></font></font></font><u>Regulatory

          Matters</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of CZFS, CZFSAC and FCCB has timely filed all
        reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since January 1, 2020 with any Governmental Authority, and has paid all fees and assessments due and payable
        in connection therewith.&#160; Except for normal examinations conducted by any Governmental Authority in the regular course of the business of CZFS, CZFSAC and/or FCCB, no Governmental Authority has initiated any proceeding, or to the Knowledge of CZFS,
        investigation into the business or operations of CZFS, CZFSAC and/or FCCB, since January 1, 2020.&#160; FCCB is &#8220;well-capitalized&#8221; as defined in applicable laws and regulations, and FCCB has a Community Reinvestment Act rating of &#8220;satisfactory&#8221; or
        better.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule 4.11</u></font>, since January 1, 2020, CZFS has timely filed with the SEC and NASDAQ all documents required by the Securities Act and the Exchange Act and such documents, as the
        same may have been amended, complied, at the time filed with the SEC, in all material respects with the Securities Act and the Exchange Act.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither CZFS, FCCB nor any of their respective
        properties is a party to or is subject to any Regulatory Order from any Governmental Authority charged with the supervision or regulation of financial institutions or issuers of securities or engaged in the insurance of deposits (including, without
        limitation, the PADOBS and the FRB) or the supervision or regulation of it.&#160; Neither CZFS nor FCCB has been advised by, or has any Knowledge of facts which could give rise to an advisory notice by, any Governmental Authority that such Governmental
        Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) any Regulatory Order.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">31</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither CZFS nor FCCB is a party to any agreement with
        any individual or group regarding CRA matters and neither CZFS nor FCCB has any Knowledge of, nor has CZFS or FCCB been advised in writing of or has any reason to believe (based on CZFS&#8217;s Home Mortgage Disclosure Act data for the year ended
        December 31, 2021, filed with the FDIC, or otherwise) that any facts or circumstances exist, which would cause CZFS or FCCB: (a) to be deemed not to be in satisfactory compliance with the CRA, and the regulations promulgated thereunder, or to be
        assigned a rating for CRA purposes by Bank Regulators of lower than &#8220;satisfactory&#8221;; (b) to be deemed to be operating in material violation of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Chapter X), the USA
        PATRIOT Act, and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other applicable anti-money laundering statute, rule
        or regulation; or (c) to be deemed not to be in material compliance with the applicable requirements contained in any federal and state privacy or data security laws and regulations, including, without limitation, in Title V of the
        Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by CZFS pursuant to 12 C.F.R. Part 208, Subpart J, Appendix D.&#160; Furthermore, the CZFS Board has adopted and
        CZFS has implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that has not been deemed ineffective by any Governmental Authority and that meets the requirements of
        Sections 352 and 326 and all other applicable provisions of the USA PATRIOT Act and the regulations thereunder.&#160; </font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.12</font></font></font></font></font>
        <u>Legal Proceedings</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure </u><u>Schedule 4.12</u></font>, (i) there are no pending or, to the Knowledge of CZFS, threatened legal, administrative, arbitral or other proceedings, claims, actions or governmental or
        regulatory investigations against CZFS and (ii) to CZFS&#8217;s Knowledge, there are no facts which would reasonably be expected to give rise to such litigation, claim, suit, investigation or other proceeding.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither CZFS nor CZFSAC nor FCCB is a party to any, nor
        are there any pending or, to CZFS&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against CZFS, CZFSAC or FCCB in which, to the Knowledge of CZFS, there is
        a reasonable probability of any material recovery against or other Material Adverse Effect on CZFS or any of its Subsidiaries or which challenges the validity or propriety of the transactions contemplated by this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">There is no injunction, order, judgment or decree
        imposed upon CZFS or any of its Subsidiaries, nor on any of the assets of CZFS or any of its Subsidiaries, and, to CZFS&#8217;s Knowledge, no such action has been threatened against CZFS of any of its Subsidiaries.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither CZFS nor CZFSAC nor FCCB has been advised by a
        Governmental Authority that it will issue, or has Knowledge of any facts which would reasonably be expected to give rise to the issuance by any Governmental Authority or has Knowledge that such Governmental Authority is contemplating issuing or
        requesting (or is considering the appropriateness of issuing or requesting), any such order, decree, agreement, board resolution, memorandum of understanding, supervisory letter, commitment letter, condition or similar submission.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.13</font></font></font></font></font>
        <u>Compliance With Laws</u></font>.</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
    </div>
    <div style="text-align: left;">
      <div style="text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of CZFS and its Subsidiaries is in compliance in all material
          respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable thereto or to the employees conducting such businesses, including, without limitation, the
          Investment Company Act of 1940, as amended, the Equal Credit Opportunity Act, as amended, the Fair Housing Act, as amended, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the Bank Secrecy Act of 1970, as amended, the USA
          PATRIOT Act, and all other applicable fair lending and fair housing laws or other laws relating to discrimination;</font></div>
      <div><font style="font-size: 10pt; font-family: 'Times New Roman';"> <br>
        </font></div>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">32</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of CZFS and its Subsidiaries has all permits,
        licenses, authorizations, orders and approvals of, and has made all filings, applications and registrations with, all Governmental Authorities that are required in order to permit it to own or lease its properties and to conduct its business as
        presently conducted except where the failure to hold such permits, licensees, authorizations, orders or approvals, or the failure to make such filings, applications or registrations would not, individually or in the aggregate, reasonably be
        expected to have a Material Adverse Effect on CZFS and its Subsidiaries; all such permits, licenses, certificates of authority, orders and approvals are in full force and effect and, to CZFS&#8217;s Knowledge, no suspension or cancellation of any of them
        is threatened; and</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither CZFS nor its Subsidiaries has received, since
        January 1, 2020, notification or communication from any Governmental Authority (i) asserting that it is not in material compliance with any of the statutes, regulations or ordinances which such Governmental Authority enforces, or (ii) threatening
        to revoke any license, franchise, permit or governmental authorization (nor, to CZFS&#8217;s Knowledge, do any grounds for any of the foregoing exist).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Since January 1, 2020, CZFS has conducted any finance
        activities (including, without limitation, mortgage banking and mortgage lending activities and consumer finance activities) in all material respects in compliance with all applicable statutes and regulations regulating the business of consumer
        lending, including, without limitation, the Finance Laws, and with all applicable origination, servicing and collection practices with respect to any loan or credit extension by such entity.&#160; In addition, there is no pending or, to the Knowledge of
        CZFS, threatened charge by any Governmental Authority that CZFS has violated, nor any pending or, to CZFS&#8217;s Knowledge, threatened investigation by any Governmental Authority with respect to possible violations of, any applicable Finance Laws.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.14</font></font></font></font></font></font> <u>Brokers</u></font>.&#160; Neither CZFS nor any of its Subsidiaries nor any of their respective officers or
      directors has employed any broker or finder or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this Agreement, except that CZFS has engaged, and will pay a
      financial analysis fee to, Janney Montgomery Scott LLC.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.15</font> <font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Employee Benefit Plans.</u></font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">All benefit and compensation plans, contracts, policies or arrangements maintained, sponsored or contributed to by CZFS covering current or former employees of CZFS and current or former directors (collectively, the
          &#8220;<u>CZFS Benefit Plans</u>&#8221;) are in compliance with all applicable laws, including ERISA and the Code, in all material respects</font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each CZFS Benefit Plan which is an &#8220;employee pension
        benefit plan&#8221; within the meaning of Section 3(2) of ERISA (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Pension Plan</u></font>&#8221;) and which is intended to be qualified under Section 401(a) of the Code, has received a
        favorable determination (or, if applicable, opinion or advisory) letter from the IRS, and to the Knowledge of CZFS, there are no circumstances likely to result in revocation of any such favorable determination (or, if applicable, opinion or
        advisory) letter or the loss of the qualification of such CZFS Pension Plan under Section 401(a) of the Code.&#160; There is no pending or, to CZFS&#8217;s Knowledge, threatened claim, action, suit, litigation, proceeding, arbitration, mediation,
        investigation or audit relating to the CZFS Benefit Plans (other than routine claims for benefits in the normal course).&#160; CZFS has not engaged in a transaction with respect to any CZFS Benefit Plan or CZFS Pension Plan that, assuming the taxable
        period of such transaction expired as of the date hereof, could subject CZFS to a material tax or penalty imposed by either Section 4975 of the Code or Section 502(i) of ERISA.</font></div>
    <div>&#160;</div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither CZFS nor any entity which is considered to be
        one employer with CZFS under Section 4001 of ERISA or Section 414 of the Code maintains, sponsors, participates in or contributes to (or has any obligation to contribute to), or has ever maintained, sponsored, participated in or contributed to (or
        had any obligation to contribute to), or has or is reasonably expected to have any direct or indirect liability with respect to any plan subject to Title IV of ERISA, including any &#8220;multiemployer plan,&#8221; as defined in Section 3(37) of ERISA.&#160; None
        of the CZFS Benefit Plans is a &#8220;multiple employer plan&#8221; (within the meaning of Section 210 of ERISA or Section 413(c) of the Code) or a &#8220;multiple employer welfare arrangement&#8221; (within the meaning of Section 3(40) of ERISA).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All contributions, payments, and other obligations
        required to be made under the terms of any CZFS Benefit Plan or an agreement with any CZFS employee have been timely made or have been reflected on the financial statements of CZFS.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each CZFS Benefit Plan that is a &#8220;nonqualified deferred
        compensation plan&#8221; (as such term is defined in Section 409A(d)(1) of the Code) has been administered in all material respects in compliance with its terms and the operational and documentary requirements of Section 409A of the Code and the
        regulations thereunder.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.16 </font></font></font></font></font></font><u>Labor Matters</u></font>.&#160; None of CZFS or any of its Subsidiaries is a party to or bound by any collective
      bargaining agreement, contract or other agreement or understanding with a labor union or labor organization, nor is CZFS or any of its Subsidiaries the subject of a proceeding asserting that it has committed an unfair labor practice (within the
      meaning of the National Labor Relations Act, as amended) or seeking to compel CZFS or any of its Subsidiaries to bargain with any labor organization as to wages or conditions of employment, nor is there any strike or other labor dispute involving it
      pending or, to CZFS&#8217;s Knowledge, threatened, nor is CZFS or any of its Subsidiaries aware of any activity involving its employees seeking to certify a collective bargaining unit or engaging in other organizational activity. CZFS and each of its
      Subsidiaries has paid in full to all of its employees or adequately accrued in accordance with GAAP all wages, salaries, commissions, bonuses, benefits and other compensation due to or on behalf of such employees. CZFS and each of its Subsidiaries
      has properly classified all of its service providers as either employees or independent contractors and as exempt or non-exempt for all purposes, if applicable, and has made all appropriate filings in connection with services provided by, and
      compensation paid to, such service providers, except as would not reasonably be expected to result in a material liability to CZFS and its Subsidiaries, taken as a whole.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.17</font></font></font></font></font></font> <u>Tax Matters</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFS and its Subsidiaries have filed all income and
        other material Tax Returns that it was required to file under applicable laws and regulations, other than Tax Returns that are not yet due or for which a request for extension was filed.&#160; All such Tax Returns were correct and complete in all
        material respects and have been prepared in substantial compliance with all applicable laws and regulations.&#160; All material Taxes due and owing by CZFS (whether or not shown on any Tax Return) have been paid other than Taxes that have been reserved
        or accrued on the balance sheet of CZFS and which CZFS is contesting in good faith.&#160; CZFS is not the beneficiary of any extension of time within which to file any Tax Return, and neither CZFS nor any of its Subsidiaries currently has any open tax
        years other than those with respect to which the statute of limitations has not expired.&#160; No claim has ever been made by an authority in a jurisdiction where CZFS does not file Tax Returns that it is or may be subject to taxation by that
        jurisdiction.&#160; There are no Liens for material Taxes (other than Taxes not yet due and payable) upon any of the assets of CZFS.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">34</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of CZFS and its Subsidiaries has withheld and paid
        all material Taxes required to have been withheld and paid in connection with any amounts paid or owing to any employee, independent contractor, creditor, shareholder, or other third party, and has timely complied with all applicable information
        reporting requirements under Part III, Subchapter A of Chapter 61 of the Code and similar applicable state and local information reporting requirements.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No foreign, federal, state, or local tax audits or
        administrative or judicial Tax proceedings are being conducted or to the Knowledge of CZFS are pending with respect to CZFS.&#160; CZFS has not received from any foreign, federal, state, or local taxing authority (including jurisdictions where CZFS has
        not filed Tax Returns) any (i) written notice indicating an intent to open an audit or other review, (ii) request for information related to Tax matters, or (iii) written notice of deficiency or proposed adjustment for any amount of Tax proposed,
        asserted, or assessed by any taxing authority against CZFS.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.18</font> <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Loans; Nonperforming Assets</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule 4.18(a)</u></font>, none of CZFS <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">or any of its Subsidiaries</font> is a party to any written or oral
        (i) Loan under the terms of which the obligor was, as of June 30, 2022, over sixty (60) days delinquent in payment of principal or interest or in default of any other material provision, or (ii) Loan with any director, executive officer or five
        percent or greater shareholder of CZFS or any of its Subsidiaries, or to the Knowledge of CZFS, any person, corporation or enterprise controlling, controlled by or under common control with any of the foregoing.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule 4.18(a)</u></font> identifies (x) each Loan that as of June 30, 2022 was classified as &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk
        Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import by CZFS or any of its Subsidiaries or any bank examiner, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower
        thereunder, and (y) each asset of CZFS that as of June 30, 2022 was classified as OREO and the book value thereof.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each Loan (i) is evidenced by notes, agreements or other
        evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent secured, has been secured by valid Liens which have been perfected and (iii) to the Knowledge of CZFS, is a legal, valid and binding obligation of the
        obligor named therein, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and other laws of general applicability relating to or affecting creditors&#8217; rights and to general equity principles.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The loan documents with respect to each Loan were in
        material compliance with applicable laws and regulations and CZFS&#8217;s or the applicable Subsidiary&#8217;s lending policies at the time of origination of such Loans and are complete and correct.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.19 </font></font></font></font></font></font><u>Deposit Insurance</u></font>.&#160; The deposits of FCCB are insured by the FDIC in accordance with the Federal
      Deposit Insurance Act to the fullest extent permitted by law, and FCCB has paid all premiums and assessments and filed all reports required by the Federal Deposit Insurance Act.&#160; No proceedings for the revocation or termination of such deposit
      insurance are pending or, to the Knowledge of CZFS, threatened.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.20 </font></font></font></font></font></font><u>CZFS Stock</u></font>.&#160; The shares of CZFS Stock to be issued pursuant to this Agreement, when issued in
      accordance with the terms of this Agreement, will be duly authorized, validly issued, fully paid and non-assessable and subject to no preemptive rights.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.21</font></font></font></font></font></font> <u>Antitakeover Provisions</u></font>.&#160; No &#8220;control share acquisition,&#8221; &#8220;business combination moratorium,&#8221;
      &#8220;fair price&#8221; or other form of antitakeover statute or regulation is applicable to this Agreement and the transactions contemplated hereby.</div>
    <div>&#160; <br>
    </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">35</font></div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.22</font></font></font></font></font></font> <u>Proxy Statement/Prospectus</u></font>. As of the date of the Proxy Statement/Prospectus, the Proxy
      Statement/Prospectus will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, provided that
      information as of a later date shall be deemed to modify information as of an earlier date, and further provided that no representation and warranty is made with respect to information relating to HVBC and its Subsidiaries included in the Proxy
      Statement/Prospectus.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.23 </font></font></font></font></font></font><u>Environmental Matters</u></font>. Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule 4.23</u></font>, each property owned, leased or operated by CZFS and its Subsidiaries are, and have been, in material compliance with all Environmental Laws.&#160; Neither CZFS nor any of its Subsidiaries has
      Knowledge of, nor has CZFS or any of its Subsidiaries received notice of, any past, present, or future conditions, events, activities, practices or incidents that may interfere with or prevent the material compliance of CZFS or FCCB with all
      Environmental Laws.</div>
    <div>&#160;</div>
    <div style="text-align: left; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.24</font> <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Available Funds</u></font>.<font style="font-size: 10pt; font-family: 'Times New Roman';">&#160;CZFS has cash, and immediately prior to the Effective Time, will have cash sufficient to pay the aggregate amount of
          cash as required pursuant to <u>Section 2.01</u>.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          4.25 </font><u>Disclosure</u></font>.&#160; The representations and warranties contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font>, when considered as a whole, do not contain any untrue statement of a
      material fact or omit to state any material fact necessary in order to make the statements and information contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font></u> not misleading.</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE V</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">COVENANTS</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.01</font></font></font></font></font></font> <u>Covenants of HVBC</u></font>.&#160; During the period from the date of this Agreement and continuing until the
      Effective Time or earlier termination of this Agreement, except as expressly contemplated or permitted by this Agreement (including as set forth in the HVBC Disclosure Schedule) or with the prior written consent of CZFS (such consent not to be
      unreasonably delayed, conditioned or withheld), HVBC and HVB shall carry on their respective business in the ordinary course consistent with past practice and consistent with prudent banking practice and in compliance in all material respects with
      all applicable laws and regulations.&#160; HVBC and HVB will use their respective reasonable best efforts to (i) preserve their business organizations intact, (ii) keep available to itself and CZFS the present services of the current officers, employees,
      directors and other key individual service providers of HVBC and any of its Subsidiaries and (iii) preserve for themselves and CZFS the goodwill of the customers of HVBC and HVB and others with whom business relationships exist.&#160; Without limiting the
      generality of the foregoing, and except as set forth in the HVBC Disclosure Schedule or as otherwise expressly contemplated or permitted by this Agreement or consented to in writing by CZFS (such consent not to be unreasonably delayed, conditioned or
      withheld) or if required by any Bank Regulator, HVBC and HVB shall not:</div>
    <div style="text-align: left;">&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">36</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Stock</u></font>.&#160; Other than pursuant to HVBC Options outstanding as of the date hereof and listed in the HVBC Disclosure Schedule (i) issue, sell or otherwise permit to become outstanding, or authorize the creation or
        reservation of, any additional shares of capital stock or any Rights other than capital stock upon the vesting or exercise of any equity awards granted pursuant to an HVBC employee benefits plan outstanding as of the date hereof in accordance with
        the terms and conditions thereof as in effect on the date hereof, including in connection with &#8220;net settling&#8221; any outstanding awards, (ii) permit any additional shares of capital stock to become subject to grants of employee, director or other
        stock options, warrants or other Rights, or (iii) redeem, retire, purchase or otherwise acquire, directly or indirectly, any HVBC Stock, or obligate itself to purchase, retire or redeem, any of its shares of HVBC Stock (except to the extent
        necessary to effect a cashless exercise of HVBC Options outstanding on the date hereof and listed in the HVBC Disclosure Schedule, in accordance with the terms applicable to such HVBC Options as of the date hereof).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dividends; Etc</u></font>.&#160; (i) Make, declare, pay or set aside for payment any dividend on or in respect of, or declare or make any distribution on any shares of HVBC Stock or (ii) directly or indirectly adjust, split, combine,
        redeem, reclassify, purchase or otherwise acquire any shares of its capital stock.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Compensation; Employment Agreements, Etc</u></font>.&#160; Except as provided for on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.01(c)</u></font>, enter into or amend or renew any
        employment, consulting, severance or similar agreements or arrangements with any director, officer, employee or other individual service provider of HVBC or HVB or grant any salary or wage increase or increase any employee benefit or pay any
        incentive or bonus payments, except (i) for normal increases in compensation to employees in the ordinary course of business consistent with past practice, provided that no such increase shall be more than five percent (5%) with respect to any
        individual employee and all such increases in the aggregate shall not exceed three percent (3%) of total compensation, and provided further that any increases, either singularly or in the aggregate, shall be consistent with HVBC&#8217;s 2022 budget, a
        copy of which has been made available to CZFS, (ii) as required under applicable law, the terms of this Agreement or the terms of any HVBC Benefit Plan in effect on the date hereof,&#160; (iii) HVBC shall be permitted to make cash contributions to the
        HVBC 401(k) Plan and the HVB ESOP in the ordinary course of business consistent with past practice, and (iv) HVBC shall be permitted to pay 2022 bonuses to the individuals and in the amounts set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.01(c)</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Hiring</u></font>.&#160; Hire any person as an employee of HVBC or any of its Subsidiaries or promote any employee to a position of Senior Vice President or above or to the extent such hire or promotion would increase any severance
        obligation, except (i) to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.01(d)</u></font> and (ii) persons hired to fill
        any vacancies arising after the date hereof at an annual salary of less than $100,000 and whose employment is terminable at the will of HVBC or HVB, as applicable, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided,

          however</font>, that HVBC or HVB must provide notice to CZFS within three (3) days following the hiring of any persons hired to fill a vacancy.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Benefit Plans</u></font>.&#160; Except as provided for on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.01(e)</u></font>, enter into, establish, amend, modify or terminate any HVBC Benefit
        Plan or adopt an arrangement that would constitute a HVBC Benefit Plan, except (i) as may be required by applicable law or the terms of this Agreement, subject to the provision of prior written notice and consultation with respect thereto to CZFS,
        or (ii) to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.01(e)</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Transactions with Affiliates</u></font>.&#160; Except pursuant to agreements or arrangements in effect on the date hereof, pay, loan or advance any amount to, or sell, transfer or lease any properties or assets (real, personal or mixed,
        tangible or intangible) to, or enter into any agreement or arrangement with, any of its officers or directors or any of their immediate family members or any affiliates or associates (as such terms are defined under the Exchange Act) of any of its
        officers or directors other than compensation in the ordinary course of business consistent with past practice;</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">37</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dispositions</u></font>.&#160; Sell, transfer, mortgage, pledge, encumber or otherwise dispose of or discontinue any of its assets, deposits, business or properties except in the ordinary course of business consistent with past practice
        and in a transaction that, together with all other such transactions, is not material to HVBC taken as a whole.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisitions</u></font>.&#160; Acquire (other than by way of foreclosures or acquisitions of control in a bona fide fiduciary capacity or in satisfaction of debts previously contracted in good faith, in each case in the ordinary and usual
        course of business consistent with past practice) all or any portion of the assets, business, deposits or properties of any other entity.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Expenditures</u></font>.&#160; Make any capital expenditures other than capital expenditures in the ordinary course of business consistent with past practice in amounts not exceeding $50,000 individually or $100,000 in the
        aggregate.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Governing Documents</u></font>.&#160; Amend the charter or bylaws of HVBC or HVB.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Accounting Methods</u></font>.&#160; Implement or adopt any change in its accounting principles, practices or methods, other than as may be required by applicable laws or regulations or GAAP or by a Bank Regulator.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Contracts</u></font>.&#160; Except in the ordinary course of business consistent with past practice or as otherwise expressly permitted by this Agreement, enter into, amend, modify, renew or terminate any Material Contract.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(m)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Claims</u></font>.&#160; Enter into any settlement or similar agreement with respect to any action, suit, proceeding, order or investigation to which HVBC or HVB is or becomes a party after the date of this Agreement, which settlement,
        agreement or action involves payment by HVBC or HVB of an amount which exceeds $50,000 individually or $100,000 in the aggregate and/or would impose any material restriction on the business of HVBC or HVB; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that HVBC or HVB may not enter into any settlement or similar agreement with respect to any action, suit, proceeding, order or investigation for which HVBC or HVB has
        not provided notice to CZFS of the existence of such action, suit, proceeding, order or investigation.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(n)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Banking Operations</u></font>.&#160; Enter into any new material line of business; change its material lending, investment, underwriting, risk and asset liability management and other material banking and operating policies, except as
        required by applicable law, regulation or policies imposed by any Governmental Authority; or file any application or make any contract with respect to branching or site location or branching or site relocation.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(o)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Derivative Transactions</u></font>.&#160; Except in the ordinary course of business consistent with past practice, enter into any Derivative Transactions.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(p)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indebtedness</u></font>.&#160; Incur any indebtedness for borrowed money or other liabilities (including brokered deposits and wholesale funding), federal funds purchased, borrowings from the FHLB and securities sold under agreements to
        repurchase, each with a duration exceeding one (1) year, other than in the ordinary course of business consistent with past practice, or assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any other
        Person, other than in the ordinary course of business consistent with past practice.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">38</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(q)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Investment Securities</u></font>.&#160; Acquire (other than by way of foreclosures or acquisitions in a bona fide fiduciary capacity or in satisfaction of debts previously contracted in good faith, in each case in the ordinary course of
        business consistent with past practice) (i) any debt security or equity investment of a type or in an amount that is not in accordance with HVBC&#8217;s investment policy or (ii) any debt security, including mortgage-backed and mortgage related
        securities, other than U.S. government and U.S. government agency securities with final maturities not greater than five years or mortgage-backed or mortgage related securities which would not be considered &#8220;high risk&#8221; securities under applicable
        regulatory pronouncements, in each case purchased in the ordinary course of business consistent with past practice; or restructure or materially change its investment securities portfolio, through purchases, sales or otherwise, or the manner in
        which such portfolio or any securities therein are classified under GAAP or reported for regulatory purposes.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(r)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Loans</u></font>.&#160; Except to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.01(r)</u></font> make,
        renegotiate, renew, increase, extend, modify or purchase any Loan, in an amount that would result in a lending relationship to a borrower or an affiliated group of borrowers in excess of $3.0 million.&#160; For purposes of this <font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.01(r)</font>, consent shall be deemed given unless CZFS objects within 48 hours of receiving a notification from HVBC.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(s)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Investments in Real Estate</u></font>.&#160; Make any equity investment or equity commitment to invest in real estate or in any real estate development project (other than by way of foreclosure or acquisitions in a bona fide fiduciary
        capacity or in satisfaction of a debt previously contracted in good faith, in each case in the ordinary course of business consistent with past practice).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(t)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Taxes</u></font>.&#160; Make or change any material Tax election, file any material amended Tax Return, enter into any material closing agreement, settle or compromise any material liability with respect to Taxes, agree to any adjustment
        of any material Tax attribute, file any material claim for a refund of Taxes, or consent to any extension or waiver of the limitation period applicable to any material Tax claim or assessment.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(u)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Compliance with Agreements</u></font>.&#160; Commit any act or omission which constitutes a material breach or default by HVBC or HVB under any agreement with any Governmental Authority or under any Material Contract, Lease or other
        material agreement or material license to which it is a party or by which it or its properties is bound.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(v)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Environmental Assessments</u></font>.&#160; Foreclose on or take a deed or title to any commercial real estate without first conducting a Phase I environmental assessment of the property or foreclose on any commercial real estate if such
        environmental assessment indicates the presence of a Hazardous Substance in amounts which, if such foreclosure were to occur, would be material.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(w)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Insurance</u></font>.&#160; Cause or allow the loss of insurance coverage maintained by HVBC that would have a Material Adverse Effect on HVBC, unless replaced with coverage which is substantially similar (in amount and insurer) to that
        now in effect.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(x)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Liens</u></font>.&#160; Discharge or satisfy any Lien or pay any obligation or liability, whether absolute or contingent, due or to become due, except in the ordinary course of business consistent with normal banking practices.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(y)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Adverse Actions</u></font>.&#160; Take any action or fail to take any action that is intended or is reasonably likely to result in (i) any of its representations and warranties set forth in this Agreement being or becoming untrue in any
        material respect at any time at or prior to the Effective Time, (ii) any of the conditions to the Merger set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';">Article VI</font> not being satisfied, (iii) a material violation
        of any provision of this Agreement, except, in each case, as may be required by applicable law or regulation or by a Bank Regulator or (iv) a material delay of the approval or completion of the Merger.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">39</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(z)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Commitments</u></font>.&#160; Enter into any contract with respect to, or otherwise agree or commit to do, any of the foregoing.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          5.02</font> <u>Covenants of CZFS</u></font>.&#160; CZFS will, and it will cause each of its Subsidiaries to, (i) carry on its business in the ordinary course consistent with past practice and consistent with prudent banking practice and in compliance
      in all material respects with all applicable laws and regulations and (ii) use reasonable efforts to preserve intact its business organization and assets and maintain its rights and franchises. From the date hereof until the Effective Time or earlier
      termination of this Agreement, except as expressly contemplated or permitted by this Agreement, without the prior written consent of HVBC, CZFS will not, and will cause each of its Subsidiaries not to:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Adverse Actions</u></font>.&#160; Take any action or fail to take any action that is intended or is reasonably likely to result in (i) any of its representations and warranties set forth in this Agreement being or becoming untrue in any
        material respect at any time at or prior to the Effective Time, (ii) any of the conditions to the Merger set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article VI</font></u> not being satisfied, (iii) a material
        violation of any provision of this Agreement except, in each case, as may be required by applicable law or regulation, (iv) preventing the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code or (v) (i)
        preventing or adversely affecting or delaying the ability of the parties to obtain the Regulatory Approvals or other approvals of Governmental Entities required for the transaction contemplated hereby.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dividend Record Date</u></font>.&#160; Change its record date for payment of its quarterly dividend from the record date established in the prior year&#8217;s quarter in a manner that is inconsistent with past practice.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Stock</u></font>. Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule 5.02(c)</u></font>, grant, issue, deliver or sell any additional shares of capital stock or
        Rights; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that CZFS may (i) grant equity awards
        pursuant to its employee benefit plans as required by any CZFS employee benefit plan or in the ordinary course consistent with past practice, (ii) issue capital stock upon the vesting or exercise of any equity awards granted pursuant to a CZFS
        employee benefits plan outstanding as of the date hereof in accordance with the terms and conditions thereof as in effect on the date hereof, including in connection with &#8220;net settling&#8221; any outstanding awards, and (iii) issue CZFS capital stock in
        connection with the transactions contemplated hereby.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dividends; Etc.</u></font> Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule 5.02(d)</u></font>, other than in the ordinary course of business consistent with past
        practice or in connection with the transactions contemplated hereby, make, declare, pay or set aside for payment any stock dividend on or in respect of, or declare or make any distribution on any shares of CZFS Stock; or (iii) directly or
        indirectly adjust, split, combine, redeem, reclassify, purchase or otherwise acquire any shares of its capital stock.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Amending Charter or Bylaws</u></font>. Amend its charter or bylaws in a manner that would materially and adversely affect the holders of HVBC Stock, as prospective holders of CZFS Stock, relative to other holders of CZFS Stock.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Commitments</u></font>.&#160; Enter into any contract with respect to, or otherwise agree or commit to do, any of the foregoing.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          5.03 </font><u>Reasonable Best Efforts</u></font>.&#160; Subject to the terms and conditions of this Agreement, each of the parties to the Agreement agrees to use its reasonable best efforts in good faith 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, so as to permit consummation of the transactions contemplated hereby as promptly as practicable, and otherwise to enable consummation of the transactions
      contemplated by this Agreement, including the satisfaction of the conditions set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article VI</font></u> hereof, and shall cooperate fully with the other parties hereto to that
      end.</div>
    <div>&#160; <br>
    </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">40</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.04</font></font> <u>Shareholder Approval</u></font>.&#160; HVBC agrees to take, in accordance with applicable law, the charter and bylaws of HVBC, all action necessary to convene a
      special meeting of its shareholders to consider and vote upon the approval of this Agreement and any other matters required to be approved by HVBC&#8217;s shareholders in order to permit consummation of the transactions contemplated by this Agreement
      (including any adjournment or postponement, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Meeting</u></font>&#8221;) and, subject to <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.05</font></u>
      and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u>, shall take all lawful action to solicit such approval by such shareholders.&#160; HVBC agrees to use its best efforts to convene the HVBC Meeting within forty
      (40) days after the initial mailing of the Proxy Statement/Prospectus to shareholders of HVBC.&#160; Except with the prior approval of CZFS, no other matters shall be submitted for the approval of HVBC shareholders at the HVBC Meeting.&#160; The HVBC Board
      shall at all times prior to and during the HVBC Meeting recommend adoption of this Agreement by the shareholders of HVBC (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Recommendation</u></font>&#8221;) and shall not withhold,
      withdraw, amend or modify such recommendation in any manner adverse to CZFS or take any other action or make any other public statement inconsistent with such recommendation, except as and to the extent expressly permitted by <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u>.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.05 </font></font><u>Merger Registration Statement; Proxy Statement/Prospectus</u></font>.&#160; For the purposes of (x) registering CZFS Stock to be offered to holders of HVBC Stock
      in connection with the Merger with the SEC under the Securities Act and applicable state securities laws and (y) holding the HVBC Meeting, CZFS shall draft and prepare, and HVBC shall cooperate in the preparation of, a registration statement on Form
      S-4 for the registration of the shares to be issued by CZFS in the Merger (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Registration Statement</u></font>&#8221;), including the Proxy Statement/Prospectus.&#160; CZFS shall
      provide HVBC and its counsel with appropriate opportunity to review and comment on the Merger Registration Statement and Proxy Statement/Prospectus prior to the time they are initially filed with the SEC or any amendments that are filed with the
      SEC.&#160; CZFS shall use its reasonable best efforts to file the Merger Registration Statement with the SEC within sixty (60) days from the date hereof.&#160; Each of CZFS and HVBC shall use its reasonable best efforts to have the Merger Registration
      Statement declared effective under the Securities Act as promptly as practicable after such filing and shall thereafter promptly mail the Proxy Statement/Prospectus to HVBC&#8217;s shareholders.&#160; CZFS shall also use its reasonable best efforts to obtain
      all necessary state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions contemplated by this Agreement, and HVBC shall furnish to CZFS all information concerning HVBC and the holders of HVBC Stock as may be
      reasonably requested in connection with such action.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.06 </font></font><u>Cooperation and Information Sharing</u></font>.&#160; HVBC shall provide CZFS with any information concerning HVBC that CZFS may reasonably request in connection
      with the drafting and preparation of the Merger Registration Statement and Proxy Statement/Prospectus, and each party shall notify the other promptly of the receipt of any comments of the SEC with respect to the Merger Registration Statement or Proxy
      Statement/Prospectus and of any requests by the SEC for any amendment or supplement thereto or for additional information. CZFS shall promptly provide to HVBC copies of all correspondence between it or any of its representatives and the SEC.&#160; CZFS
      shall provide HVBC and its counsel with appropriate opportunity to review and comment on all amendments and supplements to the Merger Registration Statement and Proxy Statement/Prospectus and all responses to requests for additional information and
      replies to comments prior to their being filed with, or sent to, the SEC.&#160; Each of CZFS and HVBC agrees to use all reasonable efforts, after consultation with the other party hereto, to respond promptly to all such comments of and requests by the
      SEC, and to cause the Proxy Statement/Prospectus and all required amendments and supplements thereto, to be mailed to the holders of HVBC Stock entitled to vote at the HVBC Meeting<font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160;</font>at the earliest practicable time.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">41</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.07</font></font> <u>Supplements or Amendment</u></font>.&#160; HVBC and CZFS shall promptly notify the other party if at any time it becomes aware that the Proxy
      Statement/Prospectus or the Merger Registration Statement contains any untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements contained therein, in light of the
      circumstances under which they were made, not misleading.&#160; In such event, HVBC shall cooperate with CZFS in the preparation of a supplement or amendment to such Proxy Statement/Prospectus which corrects such misstatement or omission, and CZFS shall
      file an amended Merger Registration Statement with the SEC, and HVBC shall mail an amended Proxy Statement/Prospectus to its respective shareholders.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.08 </font></font><u>Regulatory Approvals</u></font>.&#160; Each of HVBC and CZFS will cooperate with the other and use all reasonable efforts to promptly prepare all necessary
      documentation, to affect all necessary filings and to obtain all necessary permits, consents, approvals, waivers and authorizations of all third parties and Governmental Authorities necessary to consummate the transactions contemplated by this
      Agreement and CZFS shall use its reasonable best efforts to make any initial application filings with Governmental Authorities within forty-five (45) days from the date hereof.&#160; HVBC and CZFS will furnish each other and each other&#8217;s counsel with all
      information concerning themselves, their subsidiaries, directors, officers and shareholders and such other matters as may be necessary or advisable in connection with the filing of the Proxy Statement/Prospectus and any application, petition or any
      other statement or application made by or on behalf of CZFS or HVBC to any Governmental Authority in connection with the Merger and the other transactions contemplated by this Agreement.&#160; Each party hereto shall have the right to review and approve
      in advance all characterizations of the information relating to such party and any of its Subsidiaries that appear in any filing made in connection with the transactions contemplated by this Agreement with any Governmental Authority.&#160; In addition,
      CZFS and HVBC shall each furnish to the other for review a copy of each such filing made in connection with the transactions contemplated by this Agreement with any Governmental Authority prior to its filing.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.09 </font></font><u>Press Releases</u></font>.&#160; HVBC and CZFS agree that the initial press release with respect to the execution and delivery of this Agreement shall be a
      release mutually agreed to by HVBC and CZFS. Thereafter, HVBC and CZFS shall consult with each other before issuing any press release with respect to this Agreement or the transactions contemplated hereby and shall not issue any such press release or
      make any such public statements without the prior consent of the other party, which shall not be unreasonably withheld; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that a party may,
      without the prior consent of the other party (but after such consultation, to the extent practicable in the circumstances), issue such press release or make such public statements as may upon the advice of outside counsel be required by law.&#160; HVBC
      and CZFS shall cooperate to develop all public announcement materials and make appropriate management available at presentations related to this Agreement as reasonably requested by the other party.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">42</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 99pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10 </font></font><u>Access; Information</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC agrees that upon reasonable notice and subject to
        applicable laws, it shall afford CZFS and its officers, employees, counsel, accountants and other authorized representatives such reasonable access during normal business hours throughout the period prior to the Effective Time to the books, records
        (including, without limitation, Tax Returns and work papers of independent auditors), minute books of directors&#8217; (other than minutes that discuss any of the transactions contemplated by this Agreement or any confidential supervisory information),
        properties and personnel of HVBC and to such other information relating to HVBC as CZFS may reasonably request and, during such period, it shall furnish promptly to CZFS all information concerning the business, properties and personnel of HVBC as
        CZFS may reasonably request. CZFS shall use commercially reasonable efforts to minimize any interference with HVBC&#8217;s regular business operations during any such access to HVBC&#8217;s employees, property, books and records.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All information furnished to CZFS by HVBC pursuant to <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10(a)</font></u> shall be subject to, and CZFS shall hold all such information in confidence in accordance with, the provisions of the Confidentiality Agreement, dated as of
        July 13, 2022, by and between HVBC and CZFS (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Confidentiality Agreement</u></font>&#8221;).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything to the contrary contained in
        this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10</font></u>, in no event shall CZFS have access to any information that, based on advice of HVBC&#8217;s counsel, would: (a) reasonably be expected to waive any material
        legal privilege; (b) result in the disclosure of any trade secrets of third parties; or (c) violate any obligation of HVBC with respect to confidentiality so long as, with respect to confidentiality, to the extent specifically requested by CZFS,
        HVBC has made commercially reasonable efforts to obtain a waiver regarding the possible disclosure from the third party to whom it owes an obligation of confidentiality.&#160; All requests made pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10</font></u> will be directed to an executive officer of HVBC or such Person or Persons as may be designated by HVBC. No investigation by CZFS of the business and affairs of HVBC shall affect or be
        deemed to modify or waive any representation, warranty, covenant or agreement in this Agreement, or the conditions to the obligations of CZFS to consummate the transactions contemplated by this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11 </font></font><u>No Solicitation by HVBC</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC shall not, and shall cause its officers, directors,
        employees, investment bankers, financial advisors, attorneys, accountants, consultants, affiliates and other agents of HVBC (collectively, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Representatives</u></font>&#8221;) not
        to, directly or indirectly, (i) initiate, solicit, induce or knowingly encourage, or take any action to facilitate the making of, any inquiry, offer or proposal which constitutes, or could reasonably be expected to lead to, an Acquisition Proposal;
        (ii) participate in any discussions or negotiations regarding any Acquisition Proposal or furnish, or otherwise afford access, to any Person (other than CZFS) any confidential or non-public information or data with respect to HVBC or otherwise
        relating to an Acquisition Proposal; or (iii) without the prior written consent of CZFS, release any Person from, waive any provisions of, or fail to enforce any confidentiality agreement or standstill agreement to which HVBC is a party. HVBC
        shall, and shall cause each of the HVBC Representatives to, (x) immediately cease and cause to be terminated any and all existing discussions, negotiations, and communications with any Persons with respect to any existing or potential Acquisition
        Proposal, and (y) as soon as practicable after the date hereof, request the prompt return or destruction of all confidential information made available by HVBC or on its behalf during the past twelve months in connection with any actual or
        potential Acquisition Proposal.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">43</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11(a)</font></u>, prior to the HVBC Meeting, HVBC may take any of the actions described in clause (ii) of <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11(a)</font></u>
        if, but only if, (i) HVBC has received a bona fide unsolicited written Acquisition Proposal that did not result from a breach of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u>; (ii) the HVBC Board
        determines in good faith, (A) after consultation with its outside legal counsel and, with respect to financial matters, its independent financial advisor, that such Acquisition Proposal constitutes or is reasonably likely to lead to a Superior
        Proposal and (B) after consultation with its outside legal counsel, and with respect to financial matters, its financial advisors, determines in good faith that it is required to take such actions to comply with its fiduciary duties under
        applicable law; (iii) HVBC has provided CZFS with at least twenty-four hours&#8217; prior notice of such determination; and (iv) prior to furnishing or affording access to any information or data with respect to HVBC or otherwise relating to an
        Acquisition Proposal, HVBC receives from such Person a confidentiality agreement with terms not materially less favorable to HVBC than those contained in the Confidentiality Agreement. In addition, if HVBC receives an Acquisition Proposal that
        constitutes or is reasonably expected to result in a Superior Proposal and HVBC has not breached any of the covenants set forth in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u>, then HVBC, or any
        HVBC Representative may, with the prior approval of the HVBC Board at a duly called meeting, contact the Person who has submitted (and not withdrawn) such Acquisition Proposal, or any of such Person&#8217;s representatives, solely (x) to clarify the
        terms and conditions of such Acquisition Proposal and (y) if such Acquisition Proposal initially is made orally, to direct such Person to submit the Acquisition Proposal to HVBC confidentially in writing. HVBC shall promptly provide to CZFS any
        non-public information regarding HVBC provided to any other Person which was not previously provided to CZFS, such additional information to be provided no later than the date of provision of such information to such other party.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC shall promptly (and in any event orally within 24
        hours and in writing within two days) notify CZFS if any inquiries, proposals or offers are received by, any information is requested from, or any negotiations or discussions are sought to be initiated or continued with, HVBC or the HVBC
        Representatives, in each case in connection with any Acquisition Proposal, and such notice shall indicate the name of the Person initiating such discussions or negotiations or making such inquiry, proposal, offer or information request and the
        material terms and conditions of any proposals or offers (and, in the case of written materials relating to such inquiry, proposal, offer, information request, negotiations or discussion, providing copies of such materials (including e-mails or
        other electronic communications)). HVBC agrees that it shall keep CZFS informed, on a reasonably current basis (and in any event within 24 hours), of the status and terms of any material developments with respect to such inquiry, proposal, offer,
        information request, negotiations or discussions (including, in each case, any amendments or modifications thereto). HVBC shall provide CZFS with at least 24 hours&#8217; prior notice of any meeting of the HVBC Board at which the HVBC Board is reasonably
        expected to consider any Acquisition Proposal.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(e)</u></font>, neither the HVBC Board nor any committee thereof shall (i) withdraw, qualify, amend, modify or withhold, or propose to withdraw, qualify, amend, modify or withhold, in a manner adverse to CZFS in
        connection with the transactions contemplated by this Agreement (including the Merger), the HVBC Recommendation, fail to reaffirm the HVBC Recommendation within five Business Days following a request by CZFS, or make any statement, announcement or
        release, in connection with the HVBC Meeting or otherwise, inconsistent with the HVBC Recommendation (it being understood that taking a neutral position or no position with respect to an Acquisition Proposal shall be considered an adverse
        modification of the HVBC Recommendation); (ii) approve or recommend, or propose to approve or recommend, any Acquisition Proposal; or (iii) enter into (or cause HVBC to enter into) any letter of intent, agreement in principle, acquisition agreement
        or other agreement (A) related to any Acquisition Transaction (other than a confidentiality agreement entered into in accordance with the provisions of <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11(b)</font>)</u>
        or (B) requiring HVBC to abandon, terminate or fail to consummate the Merger or any other transaction contemplated by this Agreement.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">44</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything to the contrary set forth in
        this Agreement, prior to the HVBC Meeting, the HVBC Board may withdraw, qualify, amend or modify the HVBC Recommendation in connection therewith (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Subsequent Determination</u></font>&#8221;)

        and/or terminate this Agreement pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(g)</u>(ii)</font> after the fourth Business Day following CZFS&#8217;s receipt of a written notice (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice of Superior Proposal</u></font>&#8221;) from HVBC advising CZFS that the HVBC Board intends to determine that a bona fide unsolicited written Acquisition Proposal that it received (that did not result
        from a breach of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u>) constitutes a Superior Proposal if, but only if, (i) the HVBC Board has reasonably determined in good faith, after consultation with
        outside legal counsel, that it is required to take such actions to comply with its fiduciary duties under applicable law, (ii) during the three Business Day period after receipt of the Notice of Superior Proposal by CZFS (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice Period</u></font>&#8221;), HVBC and the HVBC Board shall have cooperated and negotiated in good faith with CZFS to make such adjustments, modifications or amendments to the terms and
        conditions of this Agreement as would enable HVBC to proceed with the HVBC Recommendation without a HVBC Subsequent Determination; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that
        CZFS shall not have any obligation to propose any adjustments, modifications or amendments to the terms and conditions of this Agreement, and (iii) at the end of the Notice Period, after taking into account any such adjusted, modified or amended
        terms as may have been proposed by CZFS since its receipt of such Notice of Superior Proposal, the HVBC Board in good faith makes the determination (A) in clause (i) of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
            5.11(e)</u></font> and (B) that such Acquisition Proposal constitutes a Superior Proposal. In the event of any material revisions to the Superior Proposal, HVBC shall be required to deliver a new Notice of Superior Proposal to CZFS and again
        comply with the requirements of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11(e)</font></u>, except that the Notice Period shall be reduced to two Business Days.&#160; In addition to the foregoing, the HVBC Board
        shall not submit to the vote of its stockholders any Acquisition Proposal other than the Merger at the HVBC Meeting.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Nothing contained in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u> shall prohibit HVBC or the HVBC Board from complying with HVBC&#8217;s obligations required under Rules 14d-9&#160; and 14e-2(a) promulgated under the Exchange Act or from making any legally
        required disclosure to HVBC&#8217;s shareholders; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that any such disclosure relating to an Acquisition Proposal shall be deemed a change in the
        HVBC Recommendation unless it is limited to a stop, look and listen communication or the HVBC Board reaffirms the HVBC Recommendation in such disclosure.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.1<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">2</font></font></font></font> </font></font></font><u>Certain Policies</u></font>.&#160; Prior to the
      Effective Date, HVBC shall, consistent with GAAP and applicable banking laws and regulations, modify or change its loan, OREO, accrual, reserve, tax, litigation and real estate valuation policies and practices (including loan classifications and
      levels of reserves) so as to be applied on a basis that is consistent with that of CZFS; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that HVBC shall not be obligated to take any action
      pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.12</font></u> unless and until CZFS acknowledges, and HVBC is satisfied, that all conditions to HVBC&#8217;s obligation to consummate the Merger have been
      satisfied and that CZFS shall consummate the Merger in accordance with the terms of this Agreement, and further provided that in any event, no accrual or reserve made by HVBC pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.12</font></u> or the consequences resulting therefrom shall constitute or be deemed to be a breach, violation of or failure to satisfy any representation, warranty, covenant, agreement, condition or other provision of this
      Agreement or otherwise be considered in determining whether any such breach, violation or failure to satisfy shall have occurred.&#160; The recording of any such adjustments shall not be deemed to imply any misstatement of previously furnished financial
      statements or information and shall not be construed as concurrence of HVBC or its management with any such adjustments, nor any admission that the previously furnished financial statements or information did not fully comply in all respects with
      GAAP or regulatory requirements.</div>
    <div>&#160;</div>
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      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13 </font></font><u>Indemnification</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">From and after the Effective Time, CZFS (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indemnifying Party</u></font>&#8221;) shall indemnify and hold harmless each present and former director and officer of HVBC or HVB, as applicable, determined as of the Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indemnified Parties</u></font>&#8221;) against any costs or expenses (including reasonable attorneys&#8217; fees), judgments, amounts paid in settlement, fines, penalties, losses, claims, damages or
        liabilities incurred in connection with any claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, and whether formal or informal (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proceeding</u></font>&#8221;) arising out of matters existing or occurring at or prior to the Effective Time, whether asserted or claimed prior to, at or after the Effective Time, arising in whole or in part out of or pertaining to the fact
        that he or she was a director or officer of HVBC or HVB or is or was serving at the request of HVBC or HVB as a director, officer, employee or other agent of any other organization or in any capacity with respect to any employee benefit plan of
        HVBC or HVB, including without limitation matters related to the negotiation, execution and performance of this Agreement or any of the transactions contemplated hereby, to the fullest extent which such Indemnified Parties would be entitled under
        the BCL or the charter or bylaws of HVBC or HVB as in effect on the date hereof (subject to change as required by law).&#160; CZFS&#8217;s obligations under this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13(a)</font></u>
        shall continue in full force and effect for a period of six years from the Effective Time; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that all rights to indemnification and
        advancement in respect of any Proceeding asserted or made within such period shall continue until the final disposition of such Proceeding.&#160; Notwithstanding any other provision of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u>, the Indemnifying Party shall advance all reasonable costs, expenses and fees (including reasonable attorneys&#8217; fees) incurred by or on behalf of an Indemnified Party in connection with any Proceeding within
        thirty (30) days after the receipt by the Indemnifying Party of a statement or statements from the Indemnified Party requesting such advance or advances from time to time, whether prior to or after final disposition of such Proceeding. Such
        statement or statements shall be made in good faith and shall reasonably evidence the costs, expenses and fees incurred by the Indemnified Party (which shall include invoices in connection with such costs, fees and expenses but, in the case of
        invoices in connection with legal services, any references to legal work performed or to expenditure made that would cause the Indemnified Party to waive any privilege or protection accorded by applicable law shall not be included with the
        invoice), and shall include or be preceded or accompanied by a written undertaking by or on behalf of the Indemnified Party to repay any costs, expenses or fees advanced if it shall ultimately be determined that the Indemnified Party is not
        entitled to be indemnified against such costs, expenses or fees. Any advances and undertakings to repay pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u> shall be unsecured and interest free
        and made without regard to the Indemnified Party&#8217;s ability to repay such advances or ultimate entitlement to indemnification.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Any Indemnified Party wishing to claim indemnification
        under this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u>, upon learning of any such Proceeding, shall promptly notify the Indemnifying Party, but the failure to so notify shall not relieve the
        Indemnifying Party of any liability it may have to such Indemnified Party except to the extent that such failure does actually prejudice the Indemnifying Party.&#160; In the event of any such Proceeding (whether arising before or after the Effective
        Time), (i) the Indemnifying Party shall have the right to assume the defense thereof with counsel which is reasonably satisfactory to the Indemnified Party and the Indemnifying Party shall not be liable to such Indemnified Parties for any legal
        expenses of other counsel or any other expenses subsequently incurred by such Indemnified Parties in connection with the defense thereof, except that if the Indemnifying Party elects not to assume such defense or counsel for the Indemnified Parties
        advises that there are issues which raise actual or potential conflicts of interest between the Indemnifying Party and the Indemnified Parties, the Indemnified Parties may retain counsel which is reasonably satisfactory to the Indemnifying Party,
        and the Indemnifying Party shall pay, promptly as statements therefor are received, the reasonable fees and expenses of such counsel for the Indemnified Parties (which may not exceed one firm in any jurisdiction unless counsel for the Indemnified
        Parties advises that there are issues that raise conflicts of interest between the Indemnified Parties), (ii) the Indemnified Parties will reasonably cooperate in the defense of any such matter, (iii) the Indemnifying Party shall not be liable for
        any settlement effected without its prior written consent and (iv) the Indemnifying Party shall have no obligation hereunder in the event that indemnification of an Indemnified Party in the manner contemplated hereby is prohibited by applicable
        laws and regulations or by a final non-appealable adjudication of an applicable federal or state banking agency or a court of competent jurisdiction.</font></div>
    <div>&#160;</div>
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      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Prior to the Effective Time, CZFS shall purchase an
        extended reporting period endorsement under HVBC&#8217;s existing directors&#8217; and officers&#8217; liability insurance coverage for HVBC&#8217;s directors and officers in a form acceptable to HVBC which shall provide such directors and officers with coverage for six
        years following the Effective Time for claims made against such directors and officers arising from any act, error or omission by such directors and officers existing or occurring at or prior to the Effective Time of not less than the existing
        coverage under, and have other terms at least as favorable to, the directors and officers than the directors&#8217; and officers&#8217; liability insurance coverage presently maintained by HVBC (provided that CZFS may substitute therefor policies which are not
        materially less advantageous than such policy or single premium tail coverage with policy limits equal to HVBC&#8217;s existing coverage limits), so long as the aggregate cost is not more than 250% of the annual premium currently paid by HVBC for such
        insurance (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Premium Limit</u></font>&#8221;). In the event that the Premium Limit is insufficient for such coverage, CZFS shall use its reasonable best efforts to<font style="font-size: 10pt; font-family: 'Times New Roman';"> purchase such lesser coverage as may be obtained with such amount</font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The rights of indemnification and advancement as
        provided by this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u> shall not be deemed exclusive of any other rights to which the Indemnified Party may at any time be entitled under the charter or bylaws of
        HVBC or as provided in applicable law as in effect on the date hereof (subject to change as required by law), any agreement, a vote of stockholders, a resolution of directors of HVBC, or otherwise. In the event that an Indemnified Party, pursuant
        to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u>, seeks an adjudication of such person&#8217;s rights under, or to recover damages for breach of, this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u>, or to recover under any directors&#8217; and officers&#8217; liability insurance coverage maintained by HVBC or CZFS, the Indemnifying Party shall pay on such Indemnified Party&#8217;s behalf, any and all reasonable costs,
        expenses and fees (including reasonable attorneys&#8217; fees ) incurred by such Indemnified Party in such judicial adjudication, to the fullest extent permitted by law, only to the extent that the Indemnified Party prevails in such judicial
        adjudication.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If CZFS or any of its successors or assigns shall
        consolidate with or merge into any other entity and shall not be the continuing or surviving entity of such consolidation or merger or shall transfer all or substantially all of its assets to any other entity, then and in each case, proper
        provision shall be made so that the successors and assigns of CZFS shall assume the obligations set forth in this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The obligations of CZFS provided under this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.13</u></font> are intended to be enforceable against CZFS directly by the Indemnified Parties and shall be binding on all respective successors and permitted assigns of CZFS.</font></div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"> <br>
      </font></div>
    <div>
      <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.14 </font></font><u>Employees; Benefit Plans</u></font>.</div>
      &#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">47</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Following the Closing Date and except to the extent an
        alternative treatment is set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14</u></font>, CZFS <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">may choose to maintain
          any or all of the HVBC Benefit Plans in its sole discretion and HVBC shall cooperate with CZFS in order to effect any plan terminations to be made as of the Effective Time. For the period commencing at the Effective Time and ending 12 months
          after the Effective Time (or until the applicable Continuing Employee&#8217;s earlier termination of employment), CZFS shall provide, or cause to be provided, to each employee of HVBC or HVB who continues with the Surviving Bank as of the Closing Date
          (a &#8220;<u>Continuing Employee</u>&#8221;) (i) a base salary or a base rate of pay at least equal to the base salary or base rate of pay provided to similarly situated employees of CZFS or any Subsidiary of CZFS and (ii) other benefits (other than
          severance, termination pay or equity compensation) at least substantially comparable in the aggregate to the benefits provided to similarly situated employees of CZFS or any Subsidiary of CZFS.&#160; For any HVBC Benefit Plan terminated for which
          there is a comparable employee benefit or compensation plan, program, policy, agreement or arrangement of CZFS or any of its Subsidiaries (a &#8220;<u>CZFS Benefit Plan</u>&#8221;) of general applicability, CZFS shall take all commercially reasonable action
          so that Continuing Employees shall be entitled to participate in such CZFS Benefit plan to the same extent as similarly-situated employees of CZFS (it being understood that inclusion of the employees of HVBC and HVB in the CZFS Benefit Plans may
          occur at different times with respect to different plans).&#160; CZFS shall cause each CZFS Benefit Plan in which Continuing Employees are eligible to participate to take into account for purposes of eligibility and vesting under the CZFS Benefit
          Plans (but not for purposes of benefit accrual) the service of such employees with HVBC or HVB to the same extent as such service was credited for such purpose by HVBC or HVB; provided, however, that such service shall not be recognized to the
          extent that such recognition would result in a duplication of benefits. Nothing herein shall limit the ability of CZFS to amend or terminate any of the HVBC Benefit Plans or CZFS Benefit Plans in accordance with their terms at any time; provided,
          however, that CZFS shall continue to maintain the HVBC Benefit Plans (other than stock based or incentive plans) for which there is a comparable CZFS Benefit Plan until the HVBC Employees are permitted to participate in the CZFS Benefit Plans,
          unless such CZFS Benefit Plan has been frozen or terminated with respect to similarly situated employees of CZFS or any Subsidiary of CZFS.</font>&#160; Following the Closing Date, CZFS shall honor, in accordance with HVBC&#8217;s policies and procedures in
        effect as of the date hereof, any employee expense reimbursement obligations of HVBC for out-of-pocket expenses incurred during the calendar year in which the Closing occurs by any Continuing Employee.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14(a)</u></font>, if requested by CZFS in writing not less than thirty (30) days prior to the Closing, HVBC or HVB, as applicable, shall take all actions necessary to cease
        contributions to and terminate each HVBC Benefit Plan that is intended to qualify under Code Section 401(k) (each, an &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC 401(k) Plan</u></font>&#8221;), and to adopt written
        resolutions, the form and substance of which shall be reasonably satisfactory to CZFS, to terminate each such HVBC 401(k) Plan; provided, however, that each such HVBC 401(k) Plan termination may be made contingent upon the consummation of the
        transactions contemplated by this Agreement. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">In the event CZFS elects to terminate the HVBC 401(k) Plan prior to the Closing Date, CZFS shall take any and all
          actions as may be required to permit Continuing Employees to participate in a </font>CZFS Benefit Plan that is intended to qualify under Code Section 401(k) (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">CZFS

          401(k) Plan&#8221;) immediately following the Closing Date and to permit Continuing Employees to roll over their account balances in the HVBC 401(k) Plan, including any participant loans under the HVBC 401(k) Plan, into the CZFS 401(k) Plan.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFS shall either continue to maintain the medical,
        dental, vision, prescription drug, disability plan or life insurance plans of HVBC or HVB, as applicable, following the Effective Time or take any and all actions as may be required to ensure that Continuing Employees are eligible to participate in
        CZFS Benefit Plans immediately following the Effective Time so that no Continuing Employee has a gap in medical, dental, vision, prescription drug, disability plan or life insurance coverage.&#160; If employees of HVBC or HVB become eligible to
        participate in a medical, dental, vision, prescription drug, disability plan or life insurance plan of CZFS upon termination of such plan of HVBC or HVB, CZFS shall use all commercially reasonable efforts to cause each such plan to (i) waive any
        preexisting condition limitations to the extent such conditions are covered under the applicable CZFS plan, (ii) provide credit under such plans for any deductible, co-payment and out-of-pocket expenses incurred by the employees and their
        beneficiaries during the portion of the calendar year prior to such participation and (iii) waive any waiting period limitation, actively-at-work requirement or evidence of insurability requirement which would otherwise be applicable to such
        employee on or after the Effective Time, in each case to the extent such employee had satisfied any similar limitation or requirement under an analogous HVBC Benefit Plan prior to the Effective Time.</font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">48</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFS agrees to pay to each employee of HVBC or HVB that
        is not covered by a written employment or severance agreement and either (i) is not offered or retained in comparable employment (i.e., a position of generally similar job description, responsibilities and pay where the employee is not required to
        commute a distance greater than thirty (30) miles more than the employee&#8217;s commute as of the Effective Time) by CZFS or any of its Subsidiaries after the Effective Time, or (ii) is terminated by CZFS or any of its Subsidiaries, without cause,
        within twelve (12) months following the Effective Time, a severance payment equal to two (2) weeks of his or her then current base salary multiplied by the number of total completed years of service with HVBC or HVB; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that the minimum severance payment shall equal four (4) weeks of his or her
        base salary and the maximum severance payment shall not exceed twenty-six (26) weeks of his or her base salary; and <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided further</font>, that such employee
        enters into a release of claims in a form reasonably satisfactory to CZFS and that such employee does not voluntarily leave employment with HVBC or HVB prior to the Effective Time.&#160; The severance payment will be payable in a cash lump sum within
        fifteen (15) days following the date that the release of claims becomes irrevocable.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">To the extent necessary, CZFS and HVBC may provide a
        retention pool as mutually agreed by CZFS and HVBC to enable CZFS and HVBC to provide retention incentives to certain employees of HVBC or HVB who are not covered by a written employment agreement, the recipients and amounts to be mutually
        determined by CZFS and HVBC.&#160; Such designated employees will enter into retention agreements to be agreed upon by CZFS and HVBC.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Subject to the occurrence of the Closing, the HVB ESOP shall be terminated by HVB prior to the Closing Date. In connection with the termination of the HVB ESOP, all plan accounts shall be fully vested, all
          outstanding indebtedness of the HVB ESOP shall be repaid by delivering a sufficient number of unallocated shares of HVBC Stock to HVBC, at least five (5) Business Days prior to the Effective Time, all remaining shares of HVBC Stock held by the
          HVB ESOP shall be converted into the right to receive the Merger Consideration, and the balance of the unallocated shares and any other unallocated assets remaining in the HVB ESOP after repayment of the HVB ESOP loan shall be allocated as
          earnings to the accounts of the HVB ESOP participants who are employed as of the date of termination of the HVB ESOP based on their account balances under the HVB ESOP as of the date of termination of the HVB ESOP and distributed to HVB ESOP
          participants after the receipt of a favorable determination letter from the IRS. Prior to the Effective Time, HVB shall take all such actions as are necessary (determined in consultation with CZFS) to submit the application for favorable
          determination letter in advance of the Effective Time. HVB will adopt such amendments to the HVB ESOP to effect the provisions of this <u>Section 5.14(f)</u>. Promptly following the receipt of a favorable determination letter from the IRS
          regarding the qualified status of the HVB ESOP upon its termination, the account balances in the HVB ESOP shall either be distributed to participants and beneficiaries or transferred to an eligible tax-qualified retirement plan or individual
          retirement account as a participant or beneficiary may direct; provided however, that nothing contained herein shall delay the distribution or transfer of account balances in the HVB ESOP in the ordinary course for reasons other than the
          termination of such plan. Prior to the Closing Date, HVB shall provide CZFS with the final documentation evidencing that the actions contemplated herein have been effectuated. Notwithstanding anything herein to the contrary, HVB shall continue to
          accrue and make contributions to the HVB ESOP trust from the date of this Agreement through the termination date of the HVB ESOP in an amount sufficient (but not to exceed) the loan payments which become due in the ordinary course on the
          outstanding loans to the HVB ESOP prior to the termination of the HVB ESOP and shall make a pro-rated payment on the HVB ESOP loan for the 2023 plan year through and including the end of the calendar month immediately preceding the Closing, prior
          to the termination of the HVB ESOP.</font></font></div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">49</font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Nothing contained in this Agreement, expressed or
        implied, shall (i) give any person, other than the parties hereto, any rights or remedies of any nature whatsoever, including any right to continued employment or service, under or by reason of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.14</font></u>, (ii) cause any third party beneficiary rights in any current or former employee, director, other individual service provider of HVBC or any of its Subsidiaries to enforce the provisions of this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.14</font></u> or any other matter related thereto, or (iii) be construed as an amendment to any HVBC Benefit Plan, CZFS Benefit Plan, or other employee benefit plan of CZFS,
        FCCB, HVBC or any of their respective Affiliates, or be construed to prohibit the amendment or termination of any such plan.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.15</font></font> <u>Notification of Certain Changes</u></font>.&#160; CZFS and HVBC shall promptly advise the other party of any change or event having, or which could be reasonably
      expected to have, a Material Adverse Effect on it or which it believes would, or which could reasonably be expected to, cause or constitute a material breach of any of its representations, warranties or covenants contained herein.&#160; From time to time
      prior to the Effective Time, but no more frequently than monthly (and no later than the date prior to the Closing Date), each party will supplement or amend its Disclosure Schedules delivered in connection with the execution of this Agreement to
      reflect any matter which, if existing, occurring or known at the date of this Agreement, would have been required to be set forth or described in such Disclosure Schedules or which is necessary to correct any information in such Disclosure Schedules
      which has been rendered inaccurate thereby.&#160; No supplement or amendment to such Disclosure Schedules shall have any effect for the purpose of determining the accuracy of the representations and warranties of the parties contained in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font></u> and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font></u> in order to determine the fulfillment of the conditions set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.02(a)</font></u> or <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.03(a)</font></u> hereof, as the case may be, or the compliance by HVBC or CZFS, as
      the case may be, with the respective covenants and agreements of such parties contained herein.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.16</font></font> <u>Current Information</u></font>.&#160; During the period from the date of this Agreement to the Effective Time, HVBC will cause one or more of its designated
      representatives to confer on a regular and frequent basis with representatives of CZFS and to report the general status of the ongoing operations of HVBC.&#160; Without limiting the foregoing, HVBC agrees to provide CZFS (i) a copy of each report filed by
      HVBC with a Governmental Authority within three (3) Business Days following the filing thereof and (ii) monthly updates of the information required to be set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure
        </u><u>Schedule 3.15</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.17 </font></font><u>Board Packages</u></font>.&#160; HVBC shall distribute a copy of each HVBC Board package, including the agenda and any draft minutes, to CZFS at the same time
      and in the same manner in which it distributes a copy of such packages to the HVBC Board; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that HVBC shall not be required to copy CZFS on
      any documents that disclose confidential discussions of this Agreement or the transactions contemplated hereby or any third party proposal to acquire control of HVBC or any other matter that the HVBC Board has been advised of by counsel that such
      distribution to CZFS may violate a confidentiality obligation, any material legal privilege or fiduciary duty or any law or regulation.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">50</font></div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.18 </font></font><u>Transition; Informational Systems Conversion</u></font>.&#160; From and after the date hereof, CZFS and HVBC shall use their reasonable best efforts to
      facilitate the integration of HVBC with the business of CZFS following consummation of the transactions contemplated by this Agreement, and shall meet on a regular basis to discuss and plan for the conversion of HVBC&#8217;s data processing and related
      electronic informational systems (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Informational Systems Conversion</u></font>&#8221;) to those used by CZFS and its Subsidiaries, which planning shall include, but not be limited to:
      (a) discussion of HVBC&#8217;s third-party service provider arrangements; (b) non-renewal of personal property leases and software licenses used by HVBC in connection with its systems operations; (c) retention of outside consultants and additional
      employees to assist with the conversion; (d) outsourcing, as appropriate, of proprietary or self-provided system services; and (e) any other actions necessary and appropriate to facilitate the conversion, as soon as practicable following the
      Effective Time. The parties acknowledge and agree that CZFS intends to complete the Informational Systems Conversion in the same week in which the Closing occurs and each of the parties shall use its commercially reasonable effort to facilitate the
      Informational Systems Conversion completion in such week; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>,
      the parties acknowledge and agree that (i) the intention to complete the Information Systems Conversion in the same week in which the Closing occurs shall not be required of the parties, and (ii) the parties shall effectuate the Merger pursuant to
      Section 1.07 and Article VI of this Agreement notwithstanding that the Information Systems Conversion may not occur in the same week in which the Closing occurs. In furtherance of the foregoing, HVBC shall take all action which is necessary and
      appropriate to facilitate the Informational Systems Conversion; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>,
      that CZFS shall pay all out of pocket fees, expenses or charges that HVBC may incur as a result of taking, at the request of CZFS, any action to facilitate the Informational Systems Conversion. If this Agreement is terminated by CZFS and/or HVBC in
      accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(a)</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(c)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(f)</u></font>, or by HVBC only in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(d)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(e)</u></font>, CZFS shall pay to HVBC all reasonable fees, expenses or charges related to reversing the Informational Systems Conversion within ten (10) Business Days of HVBC providing CZFS written evidence of such
      fees, expenses or charges.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.19 </font></font><u>Assumption of Debt</u></font>. CZFS agrees to execute and deliver, or cause to be executed and delivered, by or on behalf of the Surviving Corporation, at
      or prior to the Effective Time, one or more supplemental indentures, guarantees, and other instruments required for the due assumption of the HVBC&#8217;s outstanding debt, guarantees, securities, and other agreements to the extent required by the terms of
      such debt, guarantees, securities, and other agreements.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.20 </font></font><u>Section 16 Matters</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Prior to the Effective Time, each of
        HVBC Board and the CZFS Board, or a committee of non-employee directors thereof (as such term is defined for purposes of Rule 16b-3(d) under the Exchange Act), shall take all such reasonable action as may be required to cause to be exempt from
        liability pursuant to Rule 16b-3 under the Exchange Act, to the fullest extent permitted by applicable law, any acquisitions or dispositions of shares of CZFS Stock (including derivative securities with respect to such shares) that are treated as
        acquisitions or dispositions under such rule and result from the transactions contemplated by this Agreement by officers and directors of HVBC subject to the reporting requirements of Section 16(a) of the Exchange Act or by each individual who is
        reasonably expected to become subject to the reporting requirements of Section 16(a) of the Exchange Act with respect to CZFS immediately after the Effective Time</font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.21</font></font></font> <u>Additional Actions by HVBC</u></font>. Prior to the Closing Date, HVBC shall take all
      of the actions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule 5.21</u></font>.</div>
    <div>&#160;</div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">51</font></div>
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    </div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VI</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CONDITIONS TO CONSUMMATION OF THE MERGER</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01&#160; </font></font></font><u>Conditions to Obligations of the Parties to Effect the Merger</u></font>.&#160; The
      respective obligations of HVBC and CZFS to consummate the Merger are subject to the fulfillment or, to the extent permitted by applicable law, written waiver by the parties hereto prior to the Closing Date of each of the following conditions:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>.&#160; All Regulatory Approvals shall have been obtained and shall remain in full force and effect, any requirements contained in the Regulatory Approvals to be completed on or before the Closing Date shall
        have been completed, and all statutory waiting periods in respect thereof shall have expired or been terminated. No Regulatory Approvals referred to in this <font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01(a)</font>
        shall contain any condition, restriction or requirement which the CZFS Board, on the one hand, or the HVBC Board, on the other hand, reasonably determines in good faith would, individually or in the aggregate, materially reduce the benefits of the
        Merger to such a degree that CZFS, on the one hand, or HVBC, on the other hand, would not have entered into this Agreement had such condition, restriction or requirement been known at the date hereof.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Registration Statement Effective</u></font>.&#160; The Merger Registration Statement shall have been declared effective by the SEC and no stop order with respect thereto shall be in effect.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NASDAQ Listing</u></font>.&#160; The shares of CZFS Stock issuable pursuant to this Agreement shall have been approved for listing on NASDAQ, subject to official notice of issuance.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Injunctions or Restraints; Illegality</u></font>.&#160; No judgment, order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraint or prohibition preventing the consummation of any of the
        transactions contemplated by this Agreement shall be in effect.&#160; No statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Authority that prohibits or makes illegal the
        consummation of any of such transactions.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax Opinions</u></font>.&#160; CZFS shall have received a letter setting forth the written opinion of Hogan Lovells US LLP, in and form and substance reasonably satisfactory to CZFS, dated as of the Closing Date, and HVBC shall have
        received a letter setting forth the written opinion of Luse Gorman, PC, in form and substance reasonably satisfactory to HVBC, dated as of the Closing Date, in each case substantially to the effect that, on the basis of the facts, representations
        and assumptions set forth in such letter, the Merger will constitute a tax free reorganization described in Section 368(a) of the Code.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; This Agreement shall have been duly approved by the requisite vote of the holders of outstanding shares of HVBC Stock.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.02</font></font></font></font>&#160; <u>Conditions to
          Obligations of CZFS</u></font>.&#160; The obligations of CZFS to consummate the Merger also are subject to the fulfillment or written waiver by CZFS prior to the Closing Date of each of the following conditions:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of HVBC and HVB set forth in this Agreement shall be true and correct in all material respects as of the date of this Agreement and (except to the extent
        such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that
        for purposes of this paragraph, such representations and warranties shall be deemed to be true and correct in all material respects unless the failure or failures of such representations and warranties to be so true and correct, either individually
        or in the aggregate, will have or are reasonably likely to have a Material Adverse Effect on HVBC or the Surviving Corporation.&#160; CZFS shall have received a certificate, dated the Closing Date, signed on behalf of HVBC by the Chief Executive Officer
        of HVBC to such effect.</font></div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">52</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Performance of Obligations of HVBC</u></font>.&#160; HVBC and HVB shall have performed in all material respects all obligations required to be performed by it under this Agreement at or prior to the Closing Date, and CZFS shall have
        received a certificate, dated the Closing Date, signed on behalf of HVBC by the Chief Executive Officer of HVBC to such effect.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Voting Agreements</u></font>.&#160; The Voting Agreements shall have been executed and delivered by each director and certain executive officers set forth on the <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC
            Disclosure Schedule 6.02(c)</u></font> concurrently with HVBC&#8217;s execution and delivery of this Agreement and shall remain in effect and not have been revoked as of the Effective Time.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Other Actions</u></font>.&#160; HVBC shall have furnished CZFS with such certificates of its officers or others and such other documents to evidence fulfillment of the conditions set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01</font></u> and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.02</font></u> as CZFS may reasonably request.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.03&#160; </font></font></font></font><u>Conditions to
          Obligations of HVBC</u></font>.&#160; The obligations of HVBC to consummate the Merger also are subject to the fulfillment or written waiver by HVBC prior to the Closing Date of each of the following conditions:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of CZFS set forth in this Agreement shall be true and correct in all material respects as of the date of this Agreement and (except to the extent such
        representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that for
        purposes of this paragraph, such representations and warranties shall be deemed to be true and correct in all material respects unless the failure or failures of such representations and warranties to be so true and correct, either individually or
        in the aggregate, will have or are reasonably likely to have a Material Adverse Effect on CZFS.&#160; HVBC shall have received a certificate, dated the Closing Date, signed on behalf of CZFS by the Chief Executive Officer and the Chief Financial Officer
        of CZFS to such effect.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Performance of Obligations of CZFS</u></font>.&#160; CZFS shall have performed in all material respects all obligations required to be performed by it under this Agreement at or prior to the Closing Date, and HVBC shall have received a
        certificate, dated the Closing Date, signed on behalf of CZFS by the Chief Executive Officer and the Chief Financial Officer of CZFS to such effect.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Other Actions</u></font>.&#160; CZFS shall have furnished HVBC with such certificates of its respective officers or others and such other documents to evidence fulfillment of the conditions set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01</font></u> and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.03</font></u> as HVBC may reasonably request.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.04 </font></font></font></font><u>Frustration of
          Closing Conditions</u></font>.&#160; Neither CZFS nor HVBC may rely on the failure of any condition set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01</font></u>, <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.02</font></u> or <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.03</font></u>, as the case may be, to be satisfied if such failure was caused by such party&#8217;s failure to use reasonable
      best efforts to consummate any of the transactions contemplated by this Agreement, as required by and subject to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article VI</font></u>.</div>
    <div style="text-align: left;">&#160; <br>
    </div>
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    </div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VII</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TERMINATION</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.01</font></font></font></font> <u>Termination</u></font>.&#160;

      This Agreement may be terminated, and the transactions contemplated by this Agreement may be abandoned:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Mutual Consent</u></font>.&#160; At any time prior to the Effective Time, by the mutual consent of CZFS and HVBC.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Regulatory Approval</u></font>.&#160; By CZFS or HVBC, in the event the approval of any Governmental Authority required for consummation of the transactions contemplated by this Agreement shall have been denied by final, nonappealable
        action by such Governmental Authority or an application therefor shall have been permanently withdrawn at the request of a Governmental Authority.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; By either CZFS or HVBC (provided that if HVBC is the terminating party it shall not be in material breach of any of its obligations under <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.04</font></u>), if the approval of the shareholders required to satisfy the condition set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01</u>(f)</font> for the consummation of the
        transactions contemplated by this Agreement shall not have been obtained by reason of the failure to obtain the required vote at a duly held meeting of such HVBC shareholders, or at any adjournment or postponement of the HVBC Meeting.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Breach of Representations and Warranties</u></font>.&#160; By either CZFS or HVBC (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained herein) if there
        shall have been a material breach of any of the representations or warranties set forth in this Agreement by the other party, which breach is not cured within thirty (30) days following written notice to the party committing such breach, or which
        breach, by its nature, cannot be cured prior to the Closing; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that neither party shall have the right to terminate this Agreement pursuant
        to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(d)</u></font> unless the breach of representation or warranty, together with all other such breaches, would entitle the party receiving such representation or
        warranty not to consummate the Merger under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02(a)</u></font> (in the case of a breach of a representation or warranty by CZFS) or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.03(a)</u></font> (in the case of a breach of a representation or warranty by HVBC or HVB).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Breach of Covenants</u></font>.&#160; By either CZFS or HVBC (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained herein) if there shall have been a
        material breach of any of the covenants or agreements set forth in this Agreement on the part of the other party, which breach shall not have been cured within thirty (30) days following receipt by the breaching party of written notice of such
        breach from the other party hereto, or which breach, by its nature, cannot be cured prior to the Closing, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that neither party shall have
        the right to terminate this Agreement pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01</u>(e)</font> unless the breach of covenant or agreement, together with all other such breaches, would entitle
        the party receiving the benefit of such covenant or agreement not to consummate the Merger under <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.02</u>(b)</font> (in the case of a breach of a covenant or agreement by
        HVBC or HVB) or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.03</u>(b)</font> (in the case of a breach of a representation or warranty by CZFS).</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Delay</u></font>.&#160; By either CZFS or HVBC if the Merger shall not have been consummated on or before June 30, 2023, unless the failure of the Closing to occur by such date shall be due to a material breach of this Agreement by the
        party seeking to terminate this Agreement.</font></div>
    &#160; <br>
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    </div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Failure to Recommend; Third-Party Acquisition Transaction; Etc</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">By CZFS, if (i) HVBC shall have
        breached its obligations under <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font></u>, (ii) the HVBC Board shall have failed to make its recommendation referred to in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.04</font></u>, withdrawn such recommendation or modified or changed such recommendation in a manner adverse in any respect to the interests of CZFS, (iii) the HVBC Board shall have recommended,
        proposed, or publicly announced its intention to recommend or propose, to engage in an Acquisition Transaction with any Person other than CZFS or a Subsidiary of CZFS or (iv) HVBC shall have materially breached its obligations under <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.04</font></u> by failing to call, give notice of, convene and hold the HVBC Meeting in accordance with <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
            5.04</font></u>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">By HVBC, subject to HVBC&#8217;s
        compliance with <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.02(a)</font></u> if HVBC has received an Acquisition Proposal, and in accordance with <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section

            5.11</font></u> of this Agreement, the HVBC Board has made a determination that such Acquisition Proposal is a Superior Proposal and has determined to accept such Superior Proposal.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Decrease in CZFS Stock Price</u></font>.&#160; By HVBC, if both (i) the Average Closing Price is less than the product of the Starting Price <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied</font>
        by 0.80 (rounded to the nearest hundredth): and (ii) (A) the CZFS Ratio is less than (B) the difference between (1) the Index Ratio <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">minus</font> (2) 0.20; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that HVBC must elect to terminate this Agreement
        pursuant to this Section 7.02(h) by written notice (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Termination Notice</u></font>&#8221;) given to CZFS within five (5) days after the Determination Date and that HVBC&#8217;s right of
        termination shall be <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">subject to the right of CZFS provided for below to increase the Exchange Ratio and/or make cash payments to holders of HVBC Stock.&#160; During the
          five (5) day period immediately following the day on which CZFS receives the Termination Notice (the &#8220;<u>Election Period</u>&#8221;), CZFS shall have the right and option, in its sole and absolute discretion, to (x) increase the Exchange Ratio
          (calculated to the nearest one ten-thousandth), (y) provided that it does not and will not prevent or impede the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code, make cash payments to holders of HVBC
          Stock, as additional Merger Consideration (in addition to, and not in lieu of, issuing shares of CZFS Stock), or (z) provide any combination of the items set forth in the foregoing clauses (x) and (y), but subject to the limitations stated
          therein, such that, as a result of any such adjustment, the value of the Merger Consideration issuable or payable in respect of each share of HVBC Stock is not less than the Minimum Per Share Merger Consideration. If CZFS elects to increase the
          Exchange Ratio and/or make cash payments as aforesaid, CZFS shall give written notice of such election (the &#8220;<u>Fill Notice</u>&#8221;) to HVBC during the Election Period, which Fill Notice shall specify the amount of any such increase and/or cash
          payments, whereupon no termination of this Agreement shall occur, or be deemed to have occurred, pursuant to this Section 7.01(h) and this Agreement shall remain in full force and effect in accordance with its terms (with the Exchange Ratio
          modified and/or cash payments to be made, as additional Merger Consideration, in accordance with this Section 7.01(h) as set forth in the Fill Notice).&#160; If CZFS does not timely elect to increase the Exchange Ratio and/or make cash payments as
          aforesaid, then HVBC may terminate this Agreement at any time after the end of the Election Period.</font></font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">For purposes of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(h)</u></font> the following terms shall have the
      meanings indicated:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Average Closing Price</u></font>&#8221; shall mean the volume-weighted average closing price
      per share of CZFS Stock as reported on NASDAQ (or such other exchange or market on which the CZFS Stock shall then trade) for the ten (10) consecutive Trading Days ending on (and including) the Determination Date.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Ratio</u></font>&#8221; shall mean the quotient of (a) the Average Closing Price, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">divided by</font> (b) the Starting Price.</div>
    <div style="text-align: left;">&#160; <br>
    </div>
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    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Determination Date</u></font>&#8221; shall mean that certain date which is the tenth (10th)
      day prior to the Closing Date.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Index Group</u></font>&#8221; shall mean the Nasdaq Bank Index.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Index Price</u></font>&#8221; shall mean, on a given date, the closing index value on such
      date for the Index Group.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Index Ratio</u></font>&#8221; shall mean the quotient of (a) the Index Price on the
      Determination Date, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">divided by</font> (b) the Initial Index Price.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Initial Index Price</u></font>&#8221; shall mean the closing index value of the Index Group
      on the Starting Date.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Minimum Per Share Merger Consideration</u></font>&#8221; shall mean the lesser of (a) the
      product of (i) the Exchange Ratio (prior to any increase in the Exchange Ratio pursuant to Section 7.01(h)), <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (ii) the Starting Price, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (iii) 0.80, and (b) (i) the product of (A) the Index Ratio <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">minus</font>
      0.20, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (B) the Exchange Ratio (prior to any increase in the Exchange Ratio pursuant to Section 7.01(h)), <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (C) the Average Closing Price, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">divided by</font> (ii) the CZFS Ratio.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Starting Date</u></font>&#8221; shall mean the last Trading Day immediately preceding the
      date of the first public announcement of entry into this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Starting Price</u></font>&#8221; shall mean the closing price of a share of CZFS Stock on
      NASDAQ (as reported by Bloomberg, or if not reported therein, in another authoritative source) on the Starting Date.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Trading Day</u></font>&#8221; means any day on which NASDAQ is open for trading with a
      scheduled and actual closing time of 4:00 p.m. Eastern time</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.02 </font></font></font></font></font><u>Termination

          Fee</u></font>.&#160; In recognition of the efforts, expenses and other opportunities foregone by CZFS while structuring and pursuing the Merger, the parties hereto agree that HVBC shall pay to CZFS a termination fee of $2,700,000 within three (3)
      Business Days after written demand for payment is made by CZFS, following the occurrence of any of the events set forth below:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">CZFS or HVBC terminates this Agreement pursuant to o<u>
        </u><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(g)</u> </font>; or</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">HVBC or HVB enters into a definitive agreement relating
        to an Acquisition Proposal or the consummation of an Acquisition Proposal involving HVBC or HVB within twelve (12) months following the termination of this Agreement by CZFS pursuant to <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.01(d)</font></u> or <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.01(e)</font></u> because of a Willful Breach by HVBC or HVB after an Acquisition Proposal has been publicly announced or
        otherwise made known to HVBC.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The amount payable by HVBC pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font> constitutes liquidated damages and not a penalty and shall be the sole monetary remedy of CZFS in the event of a termination due to breach of this Agreement in
        the circumstances specified in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font>.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.03 </font></font></font></font></font><u>Effect of Termination and Abandonment</u></font>.&#160; In the event of termination of this Agreement and the abandonment of the Merger pursuant to this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article VII</font></u>, no party to this Agreement shall have any liability or further obligation to any other party hereunder except (i) as set forth in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.01</font></u> and <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.01</font></u> and (ii) that termination will not relieve a breaching party from liability for money damages for any Willful
      Breach of any covenant, agreement, representation or warranty of this Agreement giving rise to such termination.&#160; Nothing in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.02</font></u> or this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.03</font></u> shall be deemed to preclude either party from seeking specific performance in equity to enforce the terms of this Agreement.</div>
    <br>
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    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VIII</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">MISCELLANEOUS</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.01</font></font></font></font></font></font> <u>Survival</u></font>.&#160; No representations, warranties, agreements and covenants contained in this Agreement
      shall survive the Effective Time (other than agreements or covenants contained herein that by their express terms are to be performed after the Effective Time) or the termination of this Agreement if this Agreement is terminated prior to the
      Effective Time (other than <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10(b)</font></u>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font> and this <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article VIII</font></u>, which shall survive any such termination).&#160; Notwithstanding anything in the foregoing to the contrary, no representations, warranties, agreements and covenants contained in this
      Agreement shall be deemed to be terminated or extinguished so as to deprive a party hereto or any of its affiliates of any defense at law or in equity which otherwise would be available against the claims of any Person, including without limitation
      any shareholder or former shareholder.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.02 </font></font></font></font></font></font></font><u>Waiver; Amendment</u></font>.&#160; Prior
      to the Effective Time, any provision of this Agreement may be (a) waived by the party benefited by the provision to the extent permitted by applicable law or (b) amended or modified at any time, by an agreement in writing among the parties hereto
      executed in the same manner as this Agreement, except that after the HVBC Meeting no amendment shall be made which by law requires further approval by the shareholders of HVBC without obtaining such approval.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.03</font></font></font></font></font></font></font> <u>Counterparts</u></font>.&#160; This
      Agreement may be executed in one or more counterparts, each of which shall be deemed to constitute an original.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.04 </font></font></font></font></font></font></font><u>Governing Law and Venue</u></font>.&#160;
      This Agreement shall be governed by, and interpreted in accordance with, the laws of the Commonwealth of Pennsylvania, without regard for conflict of law provisions. In addition, each of the parties hereto (a) consents to submit itself to the
      personal jurisdiction of the United States District Court for the Middle District of Pennsylvania or of any state court located in the Commonwealth of Pennsylvania in the event any dispute arises out of this Agreement or the transactions contemplated
      by this Agreement, (b) agrees that it will not attempt to deny or defeat such personal jurisdiction by motion or other request for leave from any such court and (c) agrees that it will not bring any action relating to this Agreement or the
      transactions contemplated by this Agreement in any court other United States District Court for the Middle District of Pennsylvania or a state court located in the Commonwealth of Pennsylvania.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.05 </font></font></font></font></font></font></font></font><u>Expenses</u></font>.&#160;

      Each party hereto will bear all expenses incurred by it in connection with this Agreement and the transactions contemplated by this Agreement, including fees and expenses of its own financial consultants, accountants and counsel, except that printing
      expenses and SEC filing and registration fees shall be shared equally between CZFS and HVBC; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that nothing contained herein shall limit
      either party&#8217;s rights to recover any liabilities or damages arising out of the other party&#8217;s Willful Breach of any provision of this Agreement.</div>
    &#160; <br>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">57</font></div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.06 </font></font></font></font></font></font></font><u>Notices</u></font>.&#160; All notices,
      requests and other communications hereunder to a party shall be in writing and shall be deemed given if personally delivered, mailed by registered or certified mail (return receipt requested) or sent by reputable courier service to such party at its
      address set forth below or such other address as such party may specify by notice to the parties hereto.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If to CZFS:</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Citizens Financial Services, Inc.</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">15 South Main Street</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Mansfield, PA 16933</div>
    <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font>&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">Randall Black</font></div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email:&#160; rblack@myfccb.com</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With a copy to:</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Hogan Lovells US LLP</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">555 Thirteenth Street, N.W.</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Washington, DC 20004</div>
    <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font>&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">Richard A. Schaberg</font></div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: richard.schaberg@hoganlovells.com</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If to HVBC:</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">HV Bancorp, Inc.</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">2005 South Easton Road</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Suite 304</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Doylestown, PA 18901</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Attention: Travis J. Thompson</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: tthompson@myhvb.com</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With a copy to:</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Luse Gorman, PC</div>
    <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">5335 Wisconsin Avenue, NW</div>
    <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Suite 780</div>
    <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Washington, DC 20015</div>
    <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font>&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">Benjamin M. Azoff</font></div>
    <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: bazoff@luselaw.com</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.07 </font></font></font></font></font></font></font></font><u>Entire

          Understanding; No Third-Party Beneficiaries</u></font>.&#160; This Agreement, the Plan of Bank Merger, the Voting Agreements and the Confidentiality Agreement represent the entire understanding of the parties hereto and thereto with reference to the
      transactions, and this Agreement, the Plan of Bank Merger, the Voting Agreements and the Confidentiality Agreement supersede any and all other oral or written agreements heretofore made.&#160; Except for the Indemnified Parties&#8217; right to enforce CZFS&#8217;s
      obligation under <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font></u>, which are expressly intended to be for the irrevocable benefit of, and shall be enforceable by, each Indemnified Party and his or her heirs
      and representatives, nothing in this Agreement, expressed or implied, is intended to confer upon any Person, other than the parties hereto or their respective successors, any rights, remedies, obligations or liabilities under or by reason of this
      Agreement.</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"> &#160; <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">58</font></div>
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    </div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.08</font></font></font></font></font></font></font></font></font> <u>Severability</u></font>.&#160; In the event that any one or more provisions of this Agreement shall for any reason be held
      invalid, illegal or unenforceable in any respect, by any court of competent jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provisions of this Agreement and the parties shall use their reasonable efforts to
      substitute a valid, legal and enforceable provision which, insofar as practical, implements the purposes and intents of this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.09</font></font></font></font></font></font></font></font></font> <u>Enforcement of the Agreement</u></font>.&#160; The parties hereto agree that irreparable damage would occur in the event
      that any of the provisions of this Agreement were not performed in accordance with their specific terms or were otherwise breached.&#160; It is accordingly agreed that the parties shall be entitled to an injunction or injunctions to prevent breaches of
      this Agreement and to enforce specifically the terms and provisions hereof in any court of the United States or any state having jurisdiction, this being in addition to any other remedy to which they are entitled at law or in equity. Each of the
      parties hereby further waives (a) any defense in any action for specific performance that a remedy at law would be adequate, and (b) any requirement under any law to post security or a bond as a prerequisite to obtaining equitable relief.</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.10 </font></font></font></font></font></font></font></font></font><u>Interpretation</u></font>.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Interpretation.</u></font> When a reference is made in this Agreement to sections, exhibits or schedules, such reference shall be to a section of, or exhibit or schedule to, this Agreement unless otherwise indicated.&#160; The table of
        contents and headings contained in this Agreement are for reference purposes only and are not part of this Agreement.&#160; Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they shall be deemed to be followed by the
        words &#8220;without limitation.&#8221;</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Confidential Supervisory Information</u></font>. No representation, warranty, covenant or other agreement or provision contained in this Agreement shall be deemed to contemplate or require the disclosure of &#8220;confidential supervisory
        information,&#8221; as such term is defined in the regulations of any applicable Governmental Authority.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The term &#8220;made available&#8221; means any document or other
        information that was (a) provided by one party or its representatives to the other party and its representatives by 5:00 p.m., Pennsylvania time, on the day immediately prior to the date of this Agreement, (b) included in the virtual data room of a
        party by 5:00 p.m., Pennsylvania time, on the day immediately prior to the date of this Agreement, or (c) filed or furnished by a party with the SEC and publicly available on EDGAR at least one (1) day prior to the date of this Agreement.</font></div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.11 </font></font></font></font></font></font></font></font></font><u>Assignment</u></font>.&#160; No party may assign either this Agreement or any of its rights, interests or obligations hereunder without the prior
      written approval of the other party.&#160; Subject to the preceding sentence, this Agreement shall be binding upon and shall inure to the benefit of the parties hereto and their respective successors and permitted assigns.</div>
    <div style="text-align: left; text-indent: 99pt; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
    </div>
    <div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.12</font> <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Waiver of Jury Trial</u></font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"><u>. </u></font><font style="font-size: 10pt; font-family: 'Times New Roman';">EACH PARTY
            HERETO HEREBY WAIVES TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM BROUGHT BY ANY OF THEM AGAINST THE OTHER ARISING OUT OF OR IN ANY WAY CONNECTED WITH THIS AGREEMENT, OR ANY OTHER AGREEMENTS EXECUTED IN CONNECTION HEREWITH, OR THE
            ADMINISTRATION THEREOF OR ANY OF THE TRANSACTIONS CONTEMPLATED HEREIN OR THEREIN. NO PARTY TO THIS AGREEMENT SHALL SEEK A JURY TRIAL IN ANY LAWSUIT, PROCEEDING, COUNTERCLAIM, OR ANY OTHER ACTION PROCEDURE BASED UPON, OR ARISING OUT OF, THIS
            AGREEMENT OR ANY RELATED INSTRUMENTS OR THE RELATIONSHIP BETWEEN THE PARTIES. NO PARTY WILL SEEK TO CONSOLIDATE ANY SUCH ACTION, IN WHICH A JURY TRIAL HAS BEEN WAIVED, WITH ANY OTHER ACTION IN WHICH A JURY TRIAL CANNOT BE OR HAS NOT BEEN
            WAIVED. THE PROVISIONS OF THIS SECTION HAVE BEEN FULLY DISCUSSED BY THE PARTIES HERETO, AND THESE PROVISIONS SHALL BE SUBJECT TO NO EXCEPTIONS. NO PARTY HAS IN ANY WAY AGREED WITH OR REPRESENTED TO ANY OTHER PARTY THAT THE PROVISIONS OF THIS
            SECTION WILL NOT BE FULLY ENFORCED IN ALL INSTANCES.</font></font></div>
      &#160; </div>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">59</font></div>
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    </div>
    &#160;<br>
    <div style="text-align: left; text-indent: 36pt; margin-left: 63pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.13</font> <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Electronic Transmission. </u></font>This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed
        and delivered by means of a facsimile machine or by e-mail delivery of a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if
        it were the original signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file to deliver a signature to this
        Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file as a defense to the formation of a
        contract and each party hereto forever waives any such defense.</font></div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE IX</div>
    <div>&#160;</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ADDITIONAL DEFINITIONS</div>
    <div>&#160;</div>
    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 63pt; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section
          9.01</font> <u>Additional Definitions</u></font>.&#160; In addition to any other definitions contained in this Agreement, the following words, terms and phrases shall have the following meanings when used in this Agreement:</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisition Proposal</u></font>&#8221; means any proposal or offer with respect to any of
      the following (other than the transactions contemplated hereunder) involving HVBC or HVB: (a) any merger, consolidation, share exchange, business combination or other similar transactions; (b) any sale, lease, exchange, mortgage, pledge, transfer or
      other disposition of 25% or more of the assets and/or liabilities that constitute a substantial portion of the net revenues, or net income of HVBC or HVB in a single transaction or series of transactions; (c) any tender offer or exchange offer for
      25% or more of the outstanding shares of its capital stock or the filing of a registration statement under the Securities Act in connection therewith; or (d) any public announcement by any Person (which shall include any regulatory application or
      notice, whether in draft or final form) of a proposal, plan or intention to do any of the foregoing or any agreement to engage in any of the foregoing.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisition Transaction</u></font>&#8221; means any of the following (other than the
      transactions contemplated hereunder): (a) a merger, consolidation, share exchange, business combination or any similar transaction, involving the relevant companies; (b) a sale, lease, exchange, mortgage, pledge, transfer or other disposition of 25%
      or more of the assets and/or liabilities that constitute a substantial portion of the net revenues or net income of the relevant companies in a single transaction or series of transactions; (c) a tender offer or exchange offer for 25% or more of the
      outstanding shares of the capital stock of the relevant companies or the filing of a registration statement under the Securities Act in connection therewith; or (d) an agreement or commitment by the relevant companies to take any action referenced
      above.</div>
    <br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">60</font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any person that directly, or
      indirectly through one or more intermediaries, controls, is controlled by, or is under common control with, such Person and, without limiting the generality of the foregoing, includes any executive officer, director, manager or Person who
      beneficially owns more than ten percent of the equity or voting securities of such Person.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Bank Regulator</u></font>&#8221; shall mean any Federal or state banking regulator,
      including but not limited to the FDIC, the PADOBS and the FRB, which regulates CZFS, FCCB, HVBC or HVB, or any of their respective subsidiaries, as the case may be.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Business Day</u></font>&#8221; means Monday through Friday of each week, except a legal
      holiday recognized as such by the U.S. government or any day on which banking institutions in the Commonwealth of Pennsylvania are authorized or obligated to close.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Board</u></font>&#8221; means the Board of Directors of CZFS.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Disclosure Schedule</u></font>&#8221; means the disclosure schedule delivered by CZFS
      to HVBC on or prior to the date hereof setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express provision of this Agreement or as an exception to one or more of its representations
      and warranties in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article IV</font></u> or its covenants in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article V</u>&#160;<u></u></font>(<font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that (i) any information set forth in any one section of the CZFS Disclosure Schedule shall be deemed to apply to each other applicable Section or subsection of such CZFS
      Disclosure Schedule if its relevance to the information called for in such Section or subsection is reasonably apparent on its face and (ii) the mere inclusion of an item in the CZFS Disclosure Schedule shall not be deemed an admission by CZFS that
      such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to result in a Material Adverse Effect on CZFS).</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CZFS Stock</u></font>&#8221; means the common stock, par value $1.00 per share, of CZFS.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Derivative Transaction</u></font>&#8221; means any swap transaction, option, warrant,
      forward purchase or forward sale transaction, futures transaction, cap transaction, floor transaction or collar transaction relating to one or more currencies, commodities, bonds, equity securities, loans, interest rates, catastrophe events,
      weather-related events, credit&#8209;related events or conditions or any indexes, or any other similar transaction (including any option with respect to any of these transactions) or combination of any of these transactions, including collateralized
      mortgage obligations or other similar instruments or any debt or equity instruments evidencing or embedding any such types of transactions, and any related credit support, collateral or other similar arrangements related to such transactions.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Environmental Law</u></font>&#8221; means any federal, state or local law, regulation,
      order, decree, permit, authorization, opinion or agency requirement relating to: (a) the protection or restoration of the environment, health, safety, or natural resources, (b) the handling, use, presence, disposal, release or threatened release of
      any Hazardous Substance or (c) wetlands, indoor air, pollution, contamination or any injury or threat of injury to persons or property in connection with any Hazardous Substance, in each case as amended and as now in effect.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>ERISA</u></font>&#8221; means the Employee Retirement Income Security Act of 1974, as
      amended.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">61</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange Act</u></font>&#8221; means the Securities Exchange Act of 1934, as amended, and
      the rules and regulations thereunder.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FDIC</u></font>&#8221; means the Federal Deposit Insurance Corporation.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FHLB</u></font>&#8221; means the Federal Home Loan Bank of Pittsburgh, or any successor
      thereto.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FRB</u></font>&#8221; means the Board of Governors of the Federal Reserve System or the
      Federal Reserve Bank of Philadelphia, as appropriate.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>GAAP</u></font>&#8221; means accounting principles generally accepted in the United States
      of America.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Governmental Authority</u></font>&#8221; means any federal, state or local court,
      administrative agency or commission or other governmental authority or instrumentality.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Hazardous Substance</u></font>&#8221; means any and all substances (whether solid, liquid or
      gas) defined, currently or hereafter listed, or otherwise classified as pollutants, hazardous wastes, hazardous substances, hazardous materials, extremely hazardous wastes, or words of similar meaning or regulatory effect under any present
      Environmental Laws, including but not limited to petroleum and petroleum products, asbestos and asbestos-containing materials, polychlorinated biphenyls, lead, radon, radioactive materials, flammables and explosives, mold, mycotoxins, microbial
      matter and airborne pathogens (naturally occurring or otherwise), but excluding substances of kinds and in amounts ordinarily and customarily used or stored in similar properties for the purposes of cleaning or other maintenance or operations.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVB Board</u></font>&#8221; means the Board of Directors of HVB.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVB ESOP</u></font>&#8221; means the Huntingdon Valley Bank Employee Stock Ownership Plan.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Board</u></font>&#8221; means the Board of Directors of HVBC.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Disclosure Schedule</u></font>&#8221; means the disclosure schedule delivered by HVBC
      to CZFS on or prior to the date hereof setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express provision of this Agreement or as an exception to one or more of its representations
      and warranties in <u><font style="font-size: 10pt; font-family: 'Times New Roman';">Article III</font></u> or its covenants in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article V</u>&#160;</font>(<font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that (i) any information set forth in any one section of the HVBC Disclosure Schedule shall be deemed to apply to each other applicable Section or subsection of such HVBC
      Disclosure Schedule if its relevance to the information called for in such Section or subsection is reasonably apparent on its face and (ii) the mere inclusion of an item in the HVBC Disclosure Schedule shall not be deemed an admission by HVBC that
      such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to result in a Material Adverse Effect on HVBC).</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Intellectual Property</u></font>&#8221; means the Intellectual Property used in or held
      for use in the conduct of the business of HVBC or any of its Subsidiaries.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>HVBC Financial Statements</u></font>&#8221; means (i) the audited balance sheets (including
      related notes and schedules, if any) of HVBC as of December 31, 2021 and 2020, and the related statements of income, shareholders&#8217; equity and cash flows (including related notes and schedules, if any) of HVBC for each of the fiscal years ended
      December 31, 2021 and 2020, in each case accompanied by the audit report of S.R. Snodgrass, P.C., the independent registered public accounting firm of HVBC, and (ii) the unaudited interim financial statements of HVBC as of the end of and for the
      period ending each calendar quarter following December 31, 2021, as filed by HVBC in the HVBC SEC Documents.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">62</font></div>
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    </div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Intellectual Property</u></font>&#8221; means (a) trademarks, service marks, trade names,
      Internet domain names, designs, logos, slogans, and general intangibles of like nature, together with all goodwill associated therewith, registrations and applications related to the foregoing; (b) patents and industrial designs (including any
      continuations, divisionals, continuations-in-part, renewals, reissues, and applications for any of the foregoing); (c) copyrights (including any registrations and applications for any of the foregoing); (d) Software; and (e) technology, trade secrets
      and other confidential information, know-how, proprietary processes, formulae, algorithms, models, and methodologies.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>IRS</u></font>&#8221; means the Internal Revenue Service.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Knowledge</u></font>&#8221; as used with respect to a Person (including references to such
      Person being aware of a particular matter) means the actual knowledge of the President and Chief Executive Officer, the Chief Financial Officer and the Chief Operating Officer in the case of CZFS, and the President, the Chief Executive Officer and
      the Chief Financial Officer in the case of HVBC.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Lien</u></font>&#8221; means, with respect to any asset, (a) any mortgage, deed of trust,
      lien, pledge, hypothecation, encumbrance, charge or security interest in, on or of such asset, (b) the interest of a vendor or a lessor under any conditional sale agreement, capital lease or title retention agreement relating to such asset and (c) in
      the case of securities, any purchase option, call or preemptive right, right of first refusal or similar right of a third party with respect to such securities.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Material Adverse Effect</u></font>&#8221; means, with respect to CZFS or HVBC, respectively,
      any effect that (i) is material and adverse to the financial condition, results of operations or business of CZFS and its Subsidiaries taken as a whole, or HVBC and its Subsidiaries taken as a whole, respectively, or (ii) materially impairs the
      ability of either CZFS or FCCB, on the one hand, or HVBC or HVB, on the other hand, to perform its obligations under this Agreement or otherwise materially threaten or materially impede the consummation of the transactions contemplated by this
      Agreement; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that &#8220;Material Adverse Effect&#8221; shall not be deemed to include the impact of (A) changes, after the date hereof, in GAAP or applicable
      regulatory accounting requirements, (B) changes, after the date hereof, in laws, rules or regulations of general applicability to financial institutions and/or their holding companies, or interpretations thereof by courts or any Bank Regulator or
      Governmental Authorities, (C) changes, after the date hereof, in global, national or regional political conditions (including the outbreak of war or acts of terrorism) or in economic or market (including equity, credit and debt markets, as well as
      changes in interest rates) conditions affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries (including any such changes arising out of the Pandemic or any Pandemic Measures), (D) changes,
      a<font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">fter the date hereof, resulting from hurricanes, earthquakes, tornados, floods or other natural disasters or from any outbreak of any disease&#160; or other public health
        event (including the Pandemic), (E) public</font> disclosure of the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on a party&#8217;s relationships with its customers or
      employees) or actions expressly required by this Agreement or actions or omissions that are taken with the prior written consent of the other party in contemplation of the transactions contemplated hereby, (F) a decline in the trading price of a
      party&#8217;s common stock or the failure, in and of itself, to meet earnings projections or internal financial forecasts (it being understood that the underlying cause of such decline or failure may be taken into account in determining whether a Material
      Adverse Effect has occurred), (G) actions and omissions of either party taken with the prior written consent, or at the request, of the other, (H) any failure by either party to meet any internal projections or forecasts or estimates of revenues or
      earnings for any period, or (I) the expenses incurred by either party in investigating, negotiating, documenting, effecting and consummating the transactions contemplated by this Agreement; except, with respect to subclauses (A), (B), or (C), to the
      extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole, as compared to other
      companies in the financial services industry.</div>
    <div>&#160;</div>
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    </div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NASDAQ</u></font>&#8221; means The NASDAQ Stock Market LLC.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>PADOBS</u></font>&#8221; means the Pennsylvania Department of Banking and Securities.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Pandemic</u></font>&#8221; means any outbreaks, epidemics or pandemics relating to
      SARS-CoV-2 or Covid-19, or any variants, evolutions or mutations thereof, or any other viruses (including influenza), and the governmental and other responses thereto.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Pandemic Measures</u></font>&#8221; means any quarantine, &#8220;shelter in place,&#8221; &#8220;stay at
      home,&#8221; workforce reduction, social distancing, shutdown, closure, sequester or other laws, directives, policies, guidelines or recommendations promulgated by any Governmental Entity, including the Centers for Disease Control and Prevention and the
      World Health Organization, in each case, in connection with or in response to a Pandemic.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Person</u></font>&#8221; means any individual, bank, corporation, partnership, association,
      joint-stock company, business trust, limited liability company, unincorporated organization or other organization or firm of any kind or nature.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proxy Statement/Prospectus</u></font>&#8221; means the proxy statement and prospectus,
      satisfying all applicable requirements of applicable state securities and banking laws, and of the Securities Act, and the rules and regulations thereunder, together with any amendments and supplements thereto, as prepared by CZFS and HVBC and as
      delivered to holders of HVBC Stock in connection with the solicitation of their approval of this Agreement.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Rights</u></font>&#8221; means, with respect to any Person, warrants, options, rights,
      convertible securities and other arrangements or commitments which obligate the Person to issue or dispose of any of its capital stock or other ownership interests.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Securities Act</u></font>&#8221; means the Securities Act of 1933, as amended, and the rules
      and regulations promulgated thereunder.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Software</u></font>&#8221; means computer programs, whether in source code or object code
      form (including any and all software implementation of algorithms, models and methodologies), databases and compilations (including any and all data and collections of data), and all documentation (including user manuals and training materials)
      related to the foregoing.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Subsidiary</u></font>&#8221; means, with respect to any party, any corporation or other
      entity of which a majority of the capital stock or other ownership interest having ordinary voting power to elect a majority of the board of directors or other persons performing similar functions are at the time directly or indirectly owned by such
      party.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Superior Proposal</u></font>&#8221; means any bona fide written proposal made by a third
      party to acquire, directly or indirectly, including pursuant to a tender offer, exchange offer, merger, consolidation, business combination, recapitalization, liquidation, dissolution or similar transaction, for consideration consisting of cash
      and/or securities, more than 25% of the combined voting power of the shares of HVBC Stock then outstanding or all or substantially all of the assets of HVBC and otherwise (a) on terms which the HVBC Board determines in good faith, after consultation
      with its financial advisor, to be more favorable from a financial point of view to HVBC&#8217;s shareholders than the transactions contemplated by this Agreement, and (b) that constitutes a transaction that, in the HVBC Board&#8217;s good faith judgment, is
      reasonably likely to be consummated on the terms set forth, taking into account all legal, financial, regulatory and other aspects of such proposal.</div>
    <div>&#160;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">64</font></div>
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    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax</u></font>&#8221; and &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Taxes</u></font>&#8221;
      mean all federal, state, local or foreign income, gross income, gains, gross receipts, sales, use, ad valorem, goods and services, capital, production, transfer, franchise, windfall profits, license, withholding, payroll, employment, disability,
      employer health, excise, estimated, severance, stamp, occupation, property, environmental, custom duties, unemployment or other taxes of any kind whatsoever, together with any interest, additions or penalties thereto and any interest in respect of
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    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax Returns</u></font>&#8221; means any return, declaration or other report (including
      elections, declarations, schedules, estimates and information returns) with respect to any Taxes.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>WARN Act</u></font>&#8221; means the federal Worker Adjustment and Retraining Notification
      Act of 1988, as amended, any state law analogs or statutes of similar effect, including any statutes that require advance notice of plant closings, mass layoffs or similar group personnel or employment actions.</div>
    <div>&#160;</div>
    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Willful Breach</u></font>&#8221; means a deliberate act or a deliberate failure to act,
      taken or not taken if the Person reasonably should have known or had actual Knowledge that such act or failure to act would result in or constitute a material breach of this Agreement, regardless of whether breaching was the object of the act or
      failure to act.&#160; </div>
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    </div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">(Remainder of page intentionally left blank.)</div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;"> <br>
    </div>
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      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">IN WITNESS WHEREOF</font>, the parties hereto have caused this
        Agreement to be executed in counterparts by their duly authorized officers, all as of the day and year first above written.</div>
      <div>&#160;</div>
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        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
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            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: middle;"><br>
          </td>
          <td style="width: 45%; vertical-align: middle;"><br>
          </td>
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          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><u>/s/ Randall E. Black</u></div>
          </td>
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          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
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          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Randall E. Black</div>
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        </tr>
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          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
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        </tr>

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    <div><br>
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    <div>
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          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="2" rowspan="1">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CZFS ACQUISITION COMPANY, LLC</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1"><br>
            </td>
            <td style="vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:&#160; Citizens Financial Services, Inc., its sole member</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: middle;">&#160;</td>
            <td style="vertical-align: middle; width: 45%;">&#160;</td>
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          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1"><br>
            </td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
            </td>
            <td style="width: 45%; vertical-align: bottom;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><u>/s/ Randall E. Black</u></div>
            </td>
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            </td>
            <td style="width: 45%; vertical-align: bottom;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Randall E. Black</div>
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              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
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        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
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            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FIRST CITIZENS COMMUNITY BANK</div>
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          </td>
          <td style="width: 5%; vertical-align: middle;"><br>
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        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><u>/s/ Randall E. Black</u></div>
          </td>
        </tr>

    </table>
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          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Randall E. Black</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
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        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
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          <td style="vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">HV BANCORP, INC.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

        <tr>
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          <td rowspan="1" style="width: 5%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td rowspan="1" style="width: 45%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;"><u>/s/ Travis J. Thompson</u><br>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">Travis J. Thompson<br>
          </td>
        </tr>
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          <td style="width: 50%; vertical-align: top;"><br>
          </td>
          <td style="width: 5%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
          </td>
          <td style="width: 45%; vertical-align: bottom;">Chairman and Chief Executive Officer <br>
          </td>
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    </table>
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            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">HUNTINGDON VALLEY BANK</div>
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        <tr>
          <td style="width: 50%; vertical-align: top;"><br>
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          <td style="width: 45%; vertical-align: bottom;"><u>/s/ Travis J. Thompson</u><br>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

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          <td style="width: 50%; vertical-align: top;"><br>
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          </td>
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<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>brhc10043044_ex10-1.htm
<DESCRIPTION>EXHIBIT 10.1
<TEXT>
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    <title></title>
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  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 10.1</font><br>
  </div>
  <div>
    <div style="text-align: right; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; font-weight: bold;">VOTING AGREEMENT</div>
    <div><br>
    </div>
    <div style="text-indent: 32.4pt;"><font style="font-weight: bold;">This VOTING AGREEMENT </font>(this &#8220;<u>Agreement</u>&#8221;) is dated as of October 18, 2022, by and between the undersigned holder (&#8220;<u>Shareholder</u>&#8221;) of common stock, par value $0.01
      per share (&#8220;<u>HVBC Common Stock</u>&#8221;), of HV Bancorp, Inc., a Pennsylvania corporation (&#8220;<u>HVBC</u>&#8221;), and Citizens Financial Services, Inc., a Pennsylvania corporation (&#8220;<u>CZFS</u>&#8221;). All terms used herein and not defined herein shall have the
      meanings assigned thereto in the Merger Agreement (as defined below).</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;"><font style="font-weight: bold;">WHEREAS, </font>concurrently with the execution of this Agreement, CZFS, First Citizens Community Bank, a Pennsylvania-chartered bank and wholly owned subsidiary of CZFS (&#8220;<u>FCCB</u>&#8221;),



      HVBC and Huntingdon Valley Bank, a Pennsylvania-chartered bank and wholly owned subsidiary of HVBC (&#8220;<u>HVB</u>&#8221;), are entering into an Agreement and Plan of Merger (as such agreement may be subsequently amended or modified, the &#8220;<u>Merger Agreement</u>&#8221;),



      pursuant to which HVBC will merge with and into CZFS, and HVB will merge with and into FCCB, and in connection therewith, each outstanding share of HVBC Common Stock will be converted into the right to receive the Merger Consideration;</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;"><font style="font-weight: bold;">WHEREAS, </font>Shareholder beneficially owns and has the power to vote or direct the voting&#160; the number of shares of HVBC Common Stock identified on <u>Exhibit A</u> hereto (such
      shares, together with all shares of HVBC Common Stock with respect to which Shareholder subsequently acquires beneficial ownership, and has the power to vote or direct the voting of such shares, during the term of this Agreement, including the right
      to acquire beneficial ownership (as defined in Rule 13d-3 under the Securities Exchange Act of 1934, as amended) through the exercise of any stock options, warrants or similar instruments, being referred to as the &#8220;<u>Shares</u>&#8221;); and</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;"><font style="font-weight: bold;">WHEREAS, </font>it is a condition to the willingness of CZFS to enter into the Merger Agreement that Shareholder execute and deliver this Agreement.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;"><font style="font-weight: bold;">NOW, THEREFORE, </font>in consideration of the promises, representations, warranties and agreements contained herein, and for other good and valuable consideration, the receipt and
      adequacy of which are hereby acknowledged, the parties hereto agree as follows:</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 1.&#160; <u>Agreement to Vote Shares</u>. Shareholder agrees that, while this Agreement is in effect, at any meeting of shareholders of HVBC, however called, or at any adjournment thereof, or in any other
      circumstances in which Shareholder is entitled to vote, consent or give any other approval, except as otherwise agreed to in writing in advance by CZFS, Shareholder shall:</div>
    <div>&#160;</div>
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          <td style="width: 32.4pt; vertical-align: top;">(a)</td>
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            <div>appear at each such meeting or otherwise cause the Shares to be counted as present thereat for purposes of calculating a quorum; and</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
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          <td style="width: 32.4pt;"><br>
          </td>
          <td style="width: 32.4pt; vertical-align: top;">(b)</td>
          <td style="width: auto; vertical-align: top;">
            <div>vote (or cause to be voted), in person or by proxy, all the Shares (i) in favor of adoption and approval of the Merger Agreement and the transactions contemplated thereby; (ii) against any action or agreement that would result in a breach
              of any covenant, representation or warranty or any other obligation or agreement of HVBC contained in the Merger Agreement or of Shareholder contained in this Agreement; and (iii) against any Acquisition Proposal or any other action,
              agreement or transaction that is intended, or could reasonably be expected, to materially impede, interfere or be inconsistent with, delay, postpone, discourage or materially and adversely affect consummation of the transactions contemplated
              by the Merger Agreement or of this Agreement.</div>
          </td>
        </tr>

    </table>
    <div>&#160;</div>
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    <!--PROfilePageNumberReset%Num%2%%%-->
    <div style="text-indent: 32.4pt;">Section 2.&#160; <u>No Transfers</u>. While this Agreement is in effect, Shareholder agrees not to, directly or indirectly, sell, transfer, pledge, assign or otherwise dispose of, or enter into any contract, option,
      commitment or other arrangement or understanding with respect to the sale, transfer, pledge, assignment or other disposition of, any of the Shares, except the following transfers shall be permitted: (a) transfers by will or operation of law, in which
      case this Agreement shall bind the transferee, (b) transfers pursuant to any pledge agreement, subject to the pledgee agreeing in writing to be bound by the terms of this Agreement, (c) transfers in connection with estate and tax planning purposes,
      including transfers to relatives, trusts and charitable organizations, subject to the transferee agreeing in writing to be bound by the terms of this Agreement, (d) surrendering Shares to HVBC in connection with the vesting, settlement or exercise of
      HVBC equity awards to satisfy any withholding for the payment of taxes incurred in connection with such vesting, settlement or exercise, or, in respect of HVBC equity awards, the exercise price thereon, and (e) such transfers as CZFS may otherwise
      permit in its sole discretion. Any transfer or other disposition in violation of the terms of this Section 2 shall be null and void.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 3.&#160; <u>Representations and Warranties of Shareholder</u>. Shareholder represents and warrants to and agrees with CZFS as follows:</div>
    <div>&#160;</div>
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          <td style="width: 32.4pt;"><br>
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            <div>Shareholder has all requisite capacity and authority to enter into and perform his, her or its obligations under this Agreement.</div>
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    <div>&#160;</div>
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          <td style="width: 32.4pt; vertical-align: top;">(b)</td>
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            <div>This Agreement has been duly executed and delivered by Shareholder, and assuming the due authorization, execution and delivery by CZFS, constitutes the valid and legally binding obligation of Shareholder enforceable against Shareholder in
              accordance with its terms, subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating to or affecting creditors&#8217; rights and to general equity principles.</div>
          </td>
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    <div>&#160;</div>
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          <td style="width: 32.4pt; vertical-align: top;">(c)</td>
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            <div>The execution and delivery of this Agreement by Shareholder does not, and the performance by Shareholder of his, her or its obligations hereunder and the consummation by Shareholder of the transactions contemplated hereby will not, violate
              or conflict with, or constitute a default under, any agreement, instrument, contract or other obligation or any order, arbitration award, judgment or decree to which Shareholder is a party or by which Shareholder is bound, or any statute,
              rule or regulation to which Shareholder is subject or, in the event that Shareholder is a corporation, partnership, trust or other entity, any charter, bylaw or other organizational document of Shareholder.</div>
          </td>
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    <div>&#160;</div>
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          <td style="width: 32.4pt; vertical-align: top;">(d)</td>
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            <div>Except as set forth on Schedule 1, Shareholder is the record and beneficial owner of and has the power to vote or direct the voting of such shares, or is the trustee that is the record holder of and has the power to vote or direct the
              voting of such shares, and whose beneficiaries are the beneficial owners of, and has good title to all of the Shares set forth on <u>Exhibit A</u> hereto, and the Shares are so owned free and clear of any liens, security interests, charges
              or other encumbrances. Shareholder does not own, of record or beneficially, any shares of capital stock of HVBC that the Shareholder has the power to vote or direct the voting of other than the Shares (other than shares of capital stock
              subject to stock options or warrants over which Shareholder will have no voting rights until the exercise of such stock options or warrants). Shareholder has the right to vote or direct the voting of the Shares and none of the Shares are
              subject to any voting trust or other agreement, arrangement or restriction with respect to the voting of the Shares, except as contemplated by this Agreement.</div>
          </td>
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    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
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    <div style="text-indent: 32.4pt;">Section 4.&#160; <u>Irrevocable Proxy</u>. Subject to the last sentence of this Section 4, by execution of this Agreement, Shareholder does hereby appoint CZFS with full power of substitution and resubstitution, as
      Shareholder&#8217;s true and lawful attorney and irrevocable proxy, to the full extent of Shareholder&#8217;s rights with respect to the Shares, to vote, if Shareholder is unable to perform his, her or its obligations under this Agreement, each of such Shares
      that Shareholder shall be entitled to so vote with respect to the matters set forth in Section 1 hereof at any meeting of the shareholders of HVBC, and at any adjournment or postponement thereof, and in connection with any action of the shareholders
      of HVBC taken by written consent. The Shareholder intends this proxy to be irrevocable and coupled with an interest hereafter until the termination of this Agreement pursuant to the terms of Section 8 hereof and hereby revokes any proxy previously
      granted by Shareholder with respect to the Shares. Notwithstanding anything contained herein to the contrary, this irrevocable proxy shall automatically terminate upon the termination of this Agreement.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 5.&#160; <u>No Solicitation</u>. Subject to Section 10, from and after the date hereof until the termination of this Agreement pursuant to Section 8 hereof, Shareholder, in his, her or its capacity as a shareholder
      of HVBC, shall not, nor shall such Shareholder authorize any partner, officer, director, advisor or representative of, such Shareholder or any of his, her or its affiliates to (and, to the extent applicable to Shareholder, such Shareholder shall use
      reasonable best efforts to prohibit any of his, her or its representatives or affiliates to), (a) initiate, solicit, induce or knowingly encourage, or take any action to facilitate the making of, any inquiry, offer or proposal which constitutes, or
      could reasonably be expected to lead to, an Acquisition Proposal, (b) participate in any discussions or negotiations regarding any Acquisition Proposal, or furnish, or otherwise afford access, to any person (other than CZFS) any confidential or
      non-public information or data with respect to HVBC or otherwise relating to an Acquisition Proposal, (c) enter into any agreement, agreement in principle or letter of intent with respect to an Acquisition Proposal (other than the Merger Agreement),
      (d) solicit proxies or become a &#8220;participant&#8221; in a &#8220;solicitation&#8221; (as such terms are defined in Regulation 14A under the Exchange Act) with respect to an Acquisition Proposal (other than the Merger Agreement) or otherwise encourage or assist any
      party in taking or planning any action that would compete with, restrain or otherwise serve to interfere with or inhibit the timely consummation of the Merger in accordance with the terms of the Merger Agreement, (e) initiate a shareholders&#8217; vote or
      action by consent of HVBC&#8217;s shareholders with respect to an Acquisition Proposal, or (f) except by reason of this Agreement, become a member of a &#8220;group&#8221; (as such term is used in Section 13(d) of the Exchange Act) with respect to any voting
      securities of HVBC that takes any action in support of an Acquisition Proposal.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 5.&#160; <u>Specific Performance and Remedies</u>. Shareholder acknowledges that it will be impossible to measure in money the damage to CZFS if Shareholder fails to comply with the obligations imposed by this
      Agreement and that, in the event of any such failure, CZFS will not have an adequate remedy at law or in equity. Accordingly, Shareholder agrees that injunctive relief or other equitable remedy, in addition to remedies at law or in damages, is the
      appropriate remedy for any such failure and will not oppose the granting of such relief on the basis that CZFS has an adequate remedy at law. Shareholder agrees that Shareholder will not seek, and agrees to waive any requirement for, the securing or
      posting of a bond in connection with CZFS&#8217;s seeking or obtaining such equitable relief.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 6.&#160; <u>Term of Agreement; Termination</u>. The term of this Agreement shall commence on the date hereof. This Agreement may be terminated at any time prior to consummation of the transactions contemplated by
      the Merger Agreement by the written consent of the parties hereto, and shall be automatically terminated upon the earlier to occur of (a) the final adjournment of the HVBC Meeting or (b) in the event that the Merger Agreement is terminated in
      accordance with its terms. Upon any such termination, no party shall have any further obligations or liabilities hereunder; provided, however, such termination shall not relieve any party from liability for any willful breach of this Agreement prior
      to such termination.</div>
    <div>&#160;</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
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    <div style="text-indent: 32.4pt;">Section 7.&#160; <u>Entire Agreement; Amendments</u>. This Agreement supersedes all prior agreements, written or oral, among the parties hereto with respect to the subject matter hereof and contains the entire agreement
      among the parties with respect to the subject matter hereof. This Agreement may not be amended, supplemented or modified, and no provisions hereof may be modified or waived, except by an instrument in writing signed by each party hereto. No waiver of
      any provisions hereof by either party shall be deemed a waiver of any other provisions hereof by any such party, nor shall any such waiver be deemed a continuing waiver of any provision hereof by such party.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 8.&#160; <u>Severability</u>. In the event that any one or more provisions of this Agreement shall for any reason be held invalid, illegal or unenforceable in any respect, by any court of competent jurisdiction,
      such invalidity, illegality or unenforceability shall not affect any other provisions of this Agreement and the parties shall use their reasonable efforts to substitute a valid, legal and enforceable provision which, insofar as practical, implements
      the purposes and intents of this Agreement.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 9.&#160; <u>Capacity as Shareholder</u>. The covenants contained herein shall apply to Shareholder solely in his or her capacity as a shareholder of HVBC, and no covenant contained herein shall apply to Shareholder
      in his or her capacity as a director, officer or employee of HVBC or in any other capacity. Nothing contained in this Agreement shall be deemed to apply to, or limit in any manner, the obligations of Shareholder to comply with his or her fiduciary
      duties as a director of HVBC.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 10.&#160; <u>Governing Law</u>. This Agreement shall be governed by, and interpreted in accordance with, the laws of the Commonwealth of Pennsylvania, without regard for conflict of law provisions.</div>
    <div>&#160;</div>
    <div style="text-indent: 32.4pt;">Section 11.&#160; <u>Notice</u>. All notices and other communications hereunder shall be in writing and shall be deemed given if delivered personally or sent by overnight courier (providing proof of delivery) to CZFS in
      accordance with Section 8.06 of the Merger Agreement and to the Shareholder at his, her or its address set forth on <u>Exhibit A</u> attached hereto (or at such other address for a party as shall be specified by like notice).</div>
    <div>&#160;</div>
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    </div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;"><font style="font-weight: bold;">IN WITNESS WHEREOF</font>, the parties hereto have executed and delivered this Agreement as of the date first written above.</div>
    <div>&#160;</div>
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              <div>&#160;</div>
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              <div style="font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
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              <div>By:</div>
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              <div>Name:</div>
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              <div style="font-weight: bold;">SHAREHOLDER</div>
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              <div>Name:</div>
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<DESCRIPTION>EXHIBIT 99.1
<TEXT>
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    <div style="text-align: right;"> <font style="font-weight: bold; font-size: 10pt;">Exhibit 99.1<br>
      </font></div>
    <div><font style="font-weight: bold;"> </font>
      <div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">
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                <td style="width: 50.00%;"><img width="198" height="48" src="image2.jpg"></td>
                <td style="width: 50%; text-align: right;"><font style="font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);"><img width="272" height="68" src="image1.jpg"></font></td>
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        <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> <br>
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        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Citizens Financial Services, Inc. and HV Bancorp, Inc. Sign Definitive Merger Agreement</div>
      </div>
      <div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Mansfield, PA and Doylestown, PA</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: #000000;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">&#8211; October 19, 2022 &#8211; Citizens Financial Services, Inc. (NASDAQ: CZFS) (the &#8220;Company&#8221; or &#8220;CZFS&#8221;), the holding
            company for First Citizens Community Bank (&#8220;FCCB&#8221;), and HV Bancorp, Inc. (NASDAQ: HVBC) (&#8220;HVBC&#8221;), the holding company for Huntingdon Valley Bank (&#8220;HVB&#8221;), are pleased to jointly announce entry into a definitive agreement (the &#8220;Agreement&#8221;)
            pursuant to which HVBC will merge with and into CZFS. Under the terms of the Agreement,</font><font style="font-size: 10pt;"> the<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#160;</font>shareholders of HVBC will have the right
            to elect to receive for<font style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> each share of HVBC common stock either $30.50 in cash or 0.400 shares of CZFS common stock, or approximately $67.4 million in the aggregate. </font>Elections

            will be subject to proration procedures whereby 80% of the shares of HVBC common stock will be exchanged for CZFS common stock and 20% of the shares of HVBC common stock will be exchanged for cash.</font></div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">This strategically compelling merger is expected to enhance and expand CZFS&#8217;s presence in communities located in Montgomery, Bucks and Philadelphia
          Counties in Pennsylvania, New Castle County in Delaware, and Burlington County in New Jersey. Travis J. Thompson, currently the Chief Executive Officer of HVBC, and Robert J. Marino, currently the President of HVBC, will be employed as senior
          officers of FCCB.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">As of June 30, 2022, HVBC had approximately $570.6 million of total assets, $388.3 million of net loans and $481.5 million of deposits. Based on
          financial metrics as of June 30, 2022, the combined company is expected to have over $2.78 billion in assets, $1.96 billion in gross loans and $2.36 billion in deposits upon completion of the transaction.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Randall Black, President and Chief Executive Officer of CZFS, commented, &#8220;We are pleased to announce the strategic combination of FCCB (First Citizens
          Community Bank) and Huntingdon Valley Bank. Our complementary business models and shared values make this partnership a natural fit&#8221; said Mr. Black. &#8220;This agreement creates great excitement, and we believe our combination will deepen our reach in
          providing banking services and enhanced technological offerings across our entire bank franchise. In addition, the expertise of the combined organization will enable us to invest in the future, build market share, and better serve all of our
          constituencies. From a broader perspective, together with the Huntingdon Valley team, we will leverage our combined strength to focus on a greater future.&#8221;</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;We could not be happier about becoming part of FCCB and look forward to the many benefits this strategic partnership will provide for our customers,
          employees, and shareholders. As 150-year-old financial institutions, we share similar core values and both believe deeply in community banking. We are confident that our customers will receive the same high-quality experience from FCCB that they
          have come to expect from HVB&#8221; said Travis Thompson, Chairman and Chief Executive Officer of HVBC.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">The transaction has been approved by the Boards of Directors of both companies and is expected to be completed during the first half of 2023, subject to
          regulatory approval, approval by HVBC shareholders, and other customary closing conditions. Upon closing, one HVBC director will join each of the Board of Directors of CZFS and FCCB, and one HVBC director will join the Board of Directors of FCCB.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Janney Montgomery Scott LLC acted as financial advisor to CZFS and Hogan Lovells US LLP served as its legal counsel. The Kafafian Group, Inc. acted as
          financial advisor and provided a fairness opinion to HVBC and Luse Gorman, PC served as its legal counsel.</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
        </div>
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        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>About Citizens Financial Services, Inc.</u></div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Citizens Financial Services, Inc. (NASDAQ: CZFS) is a $2.2 billion bank holding company
            conducting business through First Citizens Community Bank.&#160; First Citizens Community Bank operates 31 offices in Pennsylvania, Delaware and New York. For more details on Citizens Financial Services, Inc. visit: </font><u><font style="font-size: 10pt; font-family: 'Times New Roman';">www.firstcitizensbank.com</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">.</font></u></div>
      </div>
      <div>
        <div style="font-size: 10pt;"><br>
        </div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>About HV Bancorp, Inc.</u></div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">HV Bancorp, Inc. (NASDAQ: HVBC) is a bank holding company headquartered in Doylestown,
            PA. Through its wholly owned subsidiary Huntingdon Valley Bank, HVBC primarily serves communities located in Montgomery, Bucks and Philadelphia Counties in Pennsylvania, New Castle County in Delaware, and Burlington County in New Jersey from
            our executive office, seven full service bank offices and one limited service bank office. HVBC also operates six loan production and sales offices in its geographical footprint. For more details on HV Bancorp, Inc., please visit: </font><u><font style="font-size: 10pt; font-family: 'Times New Roman';">www.myhvb.com</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">.</font></u></div>
      </div>
      <div>
        <div style="font-size: 10pt;"><br>
        </div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>Forward-Looking Statements</u></div>
        <div style="font-size: 10pt;"><br>
        </div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about CZFS and
        HVBC and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding CZFS&#8217; or HVBC&#8217;s future financial condition, results of operations, business plans,
        liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to CZFS or HVBC, are forward-looking statements. Words such as &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;expects,&#8221; &#8220;forecasts,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221;
        &#8220;projects,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should&#8221; and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from anticipated results.</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the
        following: (1) the businesses of CZFS and HVBC may not be combined successfully, or such combination may take longer to accomplish than expected; (2) the cost savings from the merger may not be fully realized or may take longer to realize than
        expected; (3) operating costs, customer loss and business disruption following the merger, including adverse effects on relationships with employees, may be greater than expected; (4) governmental approvals of the merger may not be obtained, or
        adverse regulatory conditions may be imposed in connection with governmental approvals of the merger; (5) the shareholders of HVBC may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete than
        anticipated, including as a result of unexpected factors or events; (7) diversion of management&#8217;s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and
        operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate HVBC&#8217;s operations and those of CZFS; (9) such integration may be more difficult, time consuming or costly than expected; (10) revenues
        following the proposed transaction may be lower than expected; (11) CZFS&#8217;s and HVBC&#8217;s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; (12) the dilution caused by CZFS&#8217;s issuance
        of additional shares of its capital stock in connection with the proposed transaction; (13) changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government;
        (14) legislative and regulatory changes; and (15) uncertainty as to the extent of the duration, scope, and impacts of the COVID-19 pandemic on CZFS, HVBC and the proposed transaction. Further information about these and other relevant risks and
        uncertainties may be found in CZFS&#8217; and HVBC&#8217;s respective Annual Reports on Form 10-K for the fiscal year ended December 31, 2021 and in subsequent filings with the Securities and Exchange Commission (&#8220;SEC&#8221;).</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Forward-looking statements speak only as of the date they are made. CZFS and HVBC do not undertake, and specifically disclaims any obligation, to publicly release the
        result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance on these
        forward-looking statements.</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
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        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>Additional Information and Where to Find It</u></div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the proposed transaction, CZFS expects to file with the SEC a registration statement on Form S-4 that will include a proxy statement
          of HVBC that also constitutes a prospectus of CZFS (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus will be mailed or otherwise disseminated to HVBC&#8217;s shareholders when it becomes available. CZFS and HVBC also plan to file
          other relevant documents with the SEC regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON
          FORM S-4, AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT CZFS, HVBC AND THE
          PROPOSED TRANSACTION. You may obtain a free copy of the registration statement, including the proxy statement/prospectus (when it becomes available) and other relevant documents filed by CZFS and HVBC with the SEC, without charge, at the SEC&#8217;s
          website at www.sec.gov. Copies of the documents filed by CZFS with the SEC will be available free of charge on CZFS&#8217; website at www.firstcitizensbank.com or by directing a request to Citizens Financial Services, Inc., 15 S. Main Street,
          Mansfield, PA 16933, attention: Corporate Secretary (570) 622-2121. Copies of the documents filed by HVBC with the SEC will be available free of charge on HVBC&#8217;s website at www.myhvb.com or by directing a request to HV Bancorp, Inc., 2005 South
          Easton Road, Suite 304, Doylestown, PA 18901, attention: Corporate Secretary (267) 280-4000.</div>
        <div style="font-size: 10pt;"><br>
        </div>
      </div>
      <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">No Offer</div>
      <div style="font-size: 10pt;">&#160;</div>
      <div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made except by means
          of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law.</div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>Participants in Solicitation</u></div>
        <div style="font-size: 10pt;"><br>
        </div>
      </div>
      <div style="font-size: 10pt;">
        <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman';">CZFS and HVBC and their respective directors and executive officers and other members of management and employees may be deemed to be participants in the
          solicitation of proxies in respect of the proposed transaction. You can find information about CZFS&#8217; executive officers and directors in CZFS&#8217; definitive proxy statement filed with the SEC on March 10, 2022. You can find information about HVBC&#8217;s
          executive officers and directors in HVBC&#8217;s definitive proxy statement filed with the SEC on April 14, 2022. Additional information regarding the interests of such potential participants will be included in the proxy statement/prospectus and other
          relevant documents filed with the SEC when they become available. You may obtain free copies of these documents from CZFS or HVBC using the sources indicated above.</div>
      </div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Citizens Financial Services, Inc.</div>
        <div style="font-size: 10pt;"><br>
        </div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Contact:</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Kathleen Campbell</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Marketing Director</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(570) 662-0422</div>
        <div style="font-size: 10pt;"><br>
        </div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">HV Bancorp, Inc.</div>
        <div style="font-size: 10pt;">&#160;</div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Contact:</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Joseph C. O&#8217;Neill, Jr.</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">EVP/Chief Financial Officer</div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">(267) 280-4000</div>
      </div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="font-size: 10pt;"><br>
      </div>
      <div style="font-size: 10pt;">
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    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber_lbl" xml:lang="en-US" id="dei_EntityFileNumber_lbl">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:title="label: EntityFileNumber to dei_EntityFileNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber_lbl">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine3_lbl">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry_lbl" xml:lang="en-US" id="dei_EntityAddressCountry_lbl">Entity Address, Country</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" id="dei_NoTradingSymbolFlag_lbl">No Trading Symbol Flag</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
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</link:linkbase>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>czfs-20221018_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 22.10.1.5080 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.2.2</span><table class="report" border="0" cellspacing="2" id="idm140330979048880">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 18, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 18,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-13222<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CITIZENS FINANCIAL SERVICES, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000739421<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">23-2265045<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">15 S Main St.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Mansfield<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">16933<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">570<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">622-2121<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, Par Value $1.00 Per Share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CZFS<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dei:centralIndexKeyItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
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<tr>
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<td>dei_</td>
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<td>xbrli:booleanItemType</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:fileNumberItemType</td>
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<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
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<td>dei:employerIdItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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M8G)H8S$P,#0S,#0T7V5X,3 M,2YH=&U02P$"% ,4    " ! 1U-5^-F7+_Q2
M 0 )Q D %@              @ $R/P  8G)H8S$P,#0S,#0T7V5X,BTQ+FAT
M;5!+ 0(4 Q0    ( $!'4U682HAY,18  $Q4   7              "  6*2
M 0!B<FAC,3 P-#,P-#1?97@Y.2TQ+FAT;5!+ 0(4 Q0    ( $!'4U5HTHWP
M3@,  %4/   1              "  <BH 0!C>F9S+3(P,C(Q,#$X+GAS9%!+
M 0(4 Q0    ( $!'4U7'*RTR@ @  '58   5              "  46L 0!C
M>F9S+3(P,C(Q,#$X7VQA8BYX;6Q02P$"% ,4    " ! 1U-5&QERQ>4%   $
M/P  %0              @ 'XM $ 8WIF<RTR,#(R,3 Q.%]P<F4N>&UL4$L%
3!@     '  < U $  !"[ 0    $!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
