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<SEC-DOCUMENT>0000950152-08-003954.txt : 20080514
<SEC-HEADER>0000950152-08-003954.hdr.sgml : 20080514
<ACCEPTANCE-DATETIME>20080514110342
ACCESSION NUMBER:		0000950152-08-003954
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20080512
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20080514
DATE AS OF CHANGE:		20080514

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MIDDLEFIELD BANC CORP
		CENTRAL INDEX KEY:			0000836147
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				341585111
		STATE OF INCORPORATION:			OH

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-32561
		FILM NUMBER:		08830055

	BUSINESS ADDRESS:	
		STREET 1:		15985 E HIGH ST
		STREET 2:		P O BOX 35
		CITY:			MIDDLEFILED
		STATE:			OH
		ZIP:			44062-9263
		BUSINESS PHONE:		4406321666

	MAIL ADDRESS:	
		STREET 1:		15985 EAST HIGH STREET
		STREET 2:		P O BOX 35
		CITY:			MIDDLEFIELD
		STATE:			OH
		ZIP:			44062-9263
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>l31671ae8vk.htm
<DESCRIPTION>MIDDLEFIELD BANC CORP. 8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>Middlefield Banc Corp. 8-K</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>




<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, DC 20549</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM 8-K</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section&nbsp;13 or 15(d) of<BR>
The Securities Exchange Act of 1934</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><B>Date of Report (date of earliest event reported): May&nbsp;12, 2008</B></DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B><FONT style="border-bottom: 1px solid #000000">Middlefield Banc Corp.</FONT></B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant specified in its charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="31%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="31%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="31%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">Ohio
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">000-32561
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">34-1585111</TD>
</TR>
<TR style="font-size: 1px">
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction of incorporation)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Commission<BR>
File Number)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(IRS Employer Identification No.)</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">15985 East High Street, Middlefield, Ohio
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">44062-0035</TD>
</TR>
<TR style="font-size: 1px">
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(Address of principal executive offices)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(Zip Code)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">Registrant&#146;s telephone number, including area code <u>(440)&nbsp;632-1666</u></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">&#091;not applicable&#093;</DIV>

<DIV align="center" style="font-size: 10pt"><DIV style="margin-top: 1px"><FONT style="border-top: 1px solid #000000">(Former name or former address, if changed since last report)</FONT></DIV></DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">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 Instruction
A.2. below):
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><FONT face="Wingdings">&#111;</FONT> Written communications pursuant to Rule&nbsp;425 under the Securities Act (17 CFR 230.425)
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><FONT face="Wingdings">&#111;</FONT> Soliciting material pursuant to Rule&nbsp;14a-12 under the Exchange Act (17 CFR 240.14a-12)
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule&nbsp;14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule&nbsp;13e-4(c) under the Exchange Act (17 CFR
240.13e-4(c))
</DIV>


<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>





<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">









<!--TOC-->
<A name="toc"><DIV align="CENTER"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="3%"></TD>
        <TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">Item&nbsp;9.01 Exhibits</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001"> Signatures</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002"> EXHIBIT INDEX</A></TD></TR>
</TABLE>
</CENTER>
<!--/TOC-->

</div>





<P><DIV style="width: 100%; padding: 10px; background-color: Item&nbsp;1.01 Entry into a Material Definitive Agreement">



<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;1.01 Entry into a Material Definitive Agreement</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On May&nbsp;12, 2008, Emerald Bank (the &#147;Bank&#148;), a wholly owned subsidiary of Middlefield Banc
Corp., entered into a Purchase and Assumption Agreement (the &#147;Agreement&#148;) with The Commercial
Savings Bank (&#147;Commercial&#148;), an Ohio-chartered commercial bank, to acquire Commercial&#146;s branch
office located at 17 N. State Street, Westerville, Ohio, 43081 (the &#147;Westerville Branch&#148;). This
transaction will result in the Bank assuming approximately $6.5&nbsp;million of deposits from
Commercial. The Bank will also pay a 6% deposit premium, or approximately $390,000. The dollar
amounts of the deposits are subject to adjustment in the event that there are changes in deposit
balances between the date the parties entered into the Agreement and the closing of the
transaction. The acquisition of the Westerville Branch is expected to
close in the fourth quarter of
2008, subject to the receipt of regulatory approval and satisfaction of certain other closing
conditions set forth in the Agreement. The above description of the Agreement is qualified in its
entirety by reference to the full text of the Agreement, a copy of which is attached hereto as
Exhibit&nbsp;2.1 to this Form 8-K and is incorporated herein by reference.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For additional information, reference is made to the Bank&#146;s press release dated May&nbsp;13, 2008,
which is attached hereto as Exhibit&nbsp;99.1 and incorporated herein by this reference.
</DIV>
<!-- link1 "Item&nbsp;9.01 Exhibits" -->

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;9.01 Exhibits</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;Exhibits.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following exhibits are filed herewith:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="7%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="91%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Exhibit No.</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Description of Exhibit</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">2.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Purchase and Assumption Agreement dated May&nbsp;12, 2008</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Emerald Bank May&nbsp;13, 2008 press release</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<!-- link1 " Signatures" -->
<DIV align="left"><A NAME="001"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Signatures</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 hereunto duly authorized.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left"><B>Middlefield Banc Corp.</B><BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">Date: May 14, 2008&nbsp;</TD>
    <TD colspan="3" style="border-bottom: 1px solid #000000" align="left">/s/ James R. Heslop II
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">James R. Heslop II&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Executive Vice President and COO&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>

</TABLE>
<!-- link1 " EXHIBIT INDEX" -->

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXHIBIT INDEX</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="7%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="91%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>EXHIBIT</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left"><B>NUMBER</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left"><B>DESCRIPTION</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">2.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Purchase and Assumption Agreement dated May&nbsp;12, 2008</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Emerald Bank May&nbsp;13, 2008 press release</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>





</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>l31671aexv2w1.htm
<DESCRIPTION>EX-2.1
<TEXT>
<HTML>
<HEAD>
<TITLE>EX-2.1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Exhibit&nbsp;2.1</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt">PURCHASE AND ASSUMPTION AGREEMENT
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">by and between

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">THE COMMERCIAL SAVINGS BANK

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">and

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">EMERALD BANK

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">Dated as of May&nbsp;12, 2008

</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Table of Contents</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="88%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>PAGE</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">1. Purchase And Assumption</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">1.01 General</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">1.02 Transfer of Assets</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">1.03 Acceptance and Assumption</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">1.04 Payment of Funds</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">3</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">2. Conduct Of The Parties Prior To Closing</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">4</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">2.01 Covenants of SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">4</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">2.02 Covenants of Both Parties</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">3. Representations And Warranties</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">8</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">3.01 Representations and Warranties of SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">8</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">3.02 Representations and Warranties of BUYER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">4. Actions Respecting Employees And Pension And Employee Benefit Plans</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">4.01 Office Employees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">4.02 Transferred Employees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">12</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">4.03 No Additional Contract Rights</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">12</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">4.04 Actions to be Taken by SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">12</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">5. Conditions Precedent To Closing</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">5.01 Conditions to SELLER&#146;s Obligations</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">5.02 Conditions to BUYER&#146;s Obligations</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">14</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">5.03 Non-Satisfaction of Conditions Precedent</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">5.04 Waiver of Conditions Precedent</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">6. Closing</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">17</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.01 Closing and Closing Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">17</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.02 SELLER&#146;s Actions at Closing</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">17</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.03 BUYER&#146;s Actions at Closing</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">18</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.04 Non-Waiver of Rights</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">18</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.05 Methods of Payment</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">18</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.06 Availability of Closing Documents</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">18</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">6.07 Effectiveness of Closing</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">7. Certain Transitional Matters</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">7.01 Transitional Action by BUYER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">7.02 Transitional Actions by SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">20</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">7.03 Effect of Transitional Action</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">23</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">8. General Covenants And Indemnification</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">23</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">8.01 Confidentiality Obligations of BUYER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">23</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">8.02 Confidentiality Obligations of SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">24</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">8.03 Indemnification</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">24</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">8.04 Further Assurances</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">24</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">8.05 Solicitation of Customers</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">8.06 Establishment of Facilities by SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">9. Termination</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">9.01 Termination by Mutual Agreement</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">9.02 Termination by SELLER</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">9.04 Notice of Termination</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">26</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->i&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="88%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>PAGE</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">9.05 Effect of Termination</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">26</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">10. Miscellaneous Provisions</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.01 Expenses</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.02 Certificates</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.03 Waivers</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.04 Notices</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.05 Parties in Interest; Assignment; Amendment</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">28</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.06 Headings</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">28</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.07 Terminology</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">29</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.08 Press Releases</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">30</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.09 Entire Agreement</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">31</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.10 Governing Law</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">31</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.11 Attorneys&#146; Fees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">31</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">10.12 Counterparts</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">31</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->ii&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PURCHASE AND ASSUMPTION AGREEMENT</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Agreement (&#147;Agreement&#148;), made this 12th day of May, 2008, by and between <B>THE COMMERCIAL
SAVINGS BANK</B>, with its principal office in Upper Sandusky, Ohio, (hereinafter called &#147;SELLER&#148;) and
<B>EMERALD BANK</B>, with its principal office in Dublin, Ohio, (hereinafter called &#147;BUYER&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In consideration of the mutual promises hereinafter contained and other good and valuable
consideration, the parties hereto do, as to those portions of this Agreement to which each party is
specifically set out as a party agreeing to and being bound thereby, agree as follows:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">1. <B>PURCHASE AND ASSUMPTION.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.01 <U>General</U>. At the Closing, as defined in Section&nbsp;6.01 hereof, BUYER shall purchase
and SELLER shall sell certain Assets relating to SELLER&#146;s branch office located at 17&nbsp;N. State
Street, Westerville, Ohio, 43081 (the &#147;Office&#148;), pursuant to the terms and conditions set forth
herein. The Assets of the Office, as more fully described in Section&nbsp;1.02 hereof, are hereinafter
referred to as the &#147;Assets.&#148; At the Closing, BUYER shall assume the &#147;Deposit Liabilities&#148; (as
hereinafter defined) relating to the Office. The acquisition by BUYER from SELLER of such Assets
and the assumption of Deposit Liabilities of the Office pursuant to the terms and conditions set
forth herein is sometimes referred to herein as the &#147;Acquisition.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.02 <U>Transfer of Assets</U>. Subject to the terms and conditions of this Agreement,
SELLER shall assign, transfer, convey, and deliver to BUYER, on and as of the close of business on
the Closing Date, as defined in Section&nbsp;6.01 hereof, the Assets, which shall consist of the
following:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Owned Real Estate</U>. All right, title, and interest of SELLER in and to the
real estate owned in fee simple by SELLER on which the Office is situated, as described in
attached <U>Schedule&nbsp;A</U>, together with all of SELLER&#146;s rights in and to all improvements
thereon (the &#147;Owned Real Estate&#148;) on an &#147;as is&#148; basis, subject to Buyer&#146;s rights to
inspection under &#167;&nbsp;5.02(g);
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Furniture, Fixtures, and Equipment</U>. All of SELLER&#146;s right, title, and
interest in and to the furniture, fixtures, and equipment owned by SELLER and located at the
Office, as listed on and subject to any exceptions noted in <U>Schedule&nbsp;B</U> attached
hereto (the &#147;Fixed Assets&#148;) together with any manufacturer&#146;s warranties thereon that are
assignable and that are in effect, excluding signs and posters of SELLER. The Fixed Assets
are being sold by SELLER to BUYER on an &#147;as is&#148; basis as of the date of execution of this
Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Loans</U>. All loans identified on Schedule&nbsp;D, dated May&nbsp;12, 2008, including
accrued interest, and overdraft lines of credit related to any Deposit Liability. Schedule
D shall be updated to the Closing for all Deposit Liabilities and credits associated with
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">Deposit Liabilities attributed to the Office, arising or terminating after the date of
Schedule&nbsp;D and before the Closing.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <U>Records of the Office</U>. Subject to the remainder of this subsection, all
records (the &#147;Records&#148;) related to Assets transferred hereunder, including but not limited
to Deposit Liabilities, records of vault and lock combinations, and those records that are
reasonably required to conduct the business of the Office or comply with all applicable laws
or regulations.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <U>Contracts or Agreements</U>. All of SELLER&#146;s right, title, interest, and
obligations under the maintenance and service agreements attributable to the Office as are
listed in <U>Schedule&nbsp;C</U>, provided the same are assignable (the &#147;Assigned Contracts&#148;).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <U>Cash on Hand</U>. All cash on hand at the Office as of the close of business on
the Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.03 <U>Acceptance and Assumption</U>. Subject to the terms and conditions of this
Agreement, on and as of the close of business on the Closing Date BUYER shall:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Assets</U>. Receive and accept all of the Assets assigned, transferred,
conveyed, and delivered to BUYER by SELLER pursuant to this Agreement as identified in
Section&nbsp;1.02 above, including the assumption and thereafter the discharge of all SELLER&#146;s
obligations and duties relating to the Assigned Contracts pursuant to an assignment and
assumption of contracts in substantially the form set forth in <U>Schedule&nbsp;E</U> hereto;
and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Deposit Liabilities</U>. Assume and thereafter discharge all of SELLER&#146;s
obligations and duties relating to the assignment and assumption of &#147;Deposit Liabilities&#148;
(as hereinafter defined) pursuant to an assignment and assumption of Deposit Liabilities in
substantially the form set forth in <U>Schedule&nbsp;F</U> hereto. The term &#147;Deposit
Liabilities&#148; means all of SELLER&#146;s obligations, duties, and liabilities of every type and
character relating to all deposit accounts which, as reflected on the books of SELLER as of
the close of business on the Closing Date, are attributable to the Office as identified in
Schedule&nbsp;R. The deposit accounts referred to in the immediately preceding sentence
(hereinafter the &#147;Deposit Accounts&#148;) include, without limitation, NOW accounts, checking
accounts, passbook accounts, statement savings accounts, money market accounts, and
certificates of deposit. With regard to Individual Retirement Accounts (&#147;IRAs&#148;) included
within the Deposit Accounts, SELLER and BUYER agree that SELLER has on or prior to the date
of execution of this Agreement delivered to BUYER a list of its IRA accounts.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Other Liabilities</U>. Fully and timely perform and discharge, as the same may
be or become due, all additional liabilities and obligations of SELLER, if any, including,
without limitation, deferred expenses which are (i)&nbsp;reflected on the books of SELLER as
being attributable to the Office as of the close of business on the Closing Date and (ii)
disclosed to BUYER in writing 20&nbsp;days prior to the Closing, but only to the
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">extent attributable to the Assets sold, assigned, or transferred to BUYER by SELLER
pursuant to this Agreement and only to the extent arising by reason of BUYER&#146;s use or
ownership of such Assets after the close of business on the Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.04 <U>Payment of Funds</U>. Subject to the terms and conditions hereof:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Acquisition Consideration</U>. SELLER shall make available and transfer to
BUYER, in the manner specified in Section&nbsp;6.05 hereof, funds equal to
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the sum of</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(A)&nbsp;the amount of the aggregate balance of all unpaid Deposit
Liabilities (including interest posted or accrued to such accounts as
of the close of business on the Closing Date) <U>plus</U></TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(B)&nbsp;the amount of the deferred expenses prorated as of the close of
business on the Closing Date;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The sum determined under this subclause (i)&nbsp;is subject to adjustment
at the Closing in the manner specified in Section&nbsp;6.05 hereof.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>less</U> an amount equal to the sum of the following;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(A)&nbsp;six percent (6.0%) of the aggregate amount of Total Deposits (as
hereinafter defined) (the &#147;Deposit Premium&#148;); &#147;Total Deposits&#148; means
the aggregate amount of the deposits as of the close of business on
the Closing Date, including accrued and unpaid interest thereon
through the close of business on the Closing Date;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(B)&nbsp;the book value of all Loans, plus accrued and unpaid interest
thereon, computed as of the close of business on the Closing Date;
and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(C)&nbsp;the amount of Cash on Hand at the Office transferred to
BUYER, as of the close of business on the business day immediately
preceding the Closing Date; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(D)&nbsp;the net book value of the Owned Real Estate and the Furniture,
Fixtures, and Equipment, as of the Closing Date.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In the event that the amount equal to the sum determined under
subclause (ii)&nbsp;above exceeds the amount equal to the sum determined
under subclause (i), the full amount of such excess shall constitute
an amount due from BUYER to SELLER and shall</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>be paid to SELLER at the Closing in the manner specified in Section
6.05 hereof. The Acquisition Consideration shall in no way change as
a result of any inflow or outflow of Deposit Liabilities maintained
at the Office following the Closing Date.</TD>
</TR>

</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Proration of Certain Expenses</U>. All prepaid expenses and all deferred
expenses shall be prorated between BUYER and SELLER as of the close of business on the
Closing Date; provided, however, that all utility payments shall be prorated on the basis
of the best information available at Closing. All prorations shall be paid on the Closing
Date to the party entitled to the benefit of the proration; provided, however, that in the
event that any prorations cannot be calculated as of the Closing, a post-closing
adjustment shall be made in the manner specified in Section&nbsp;6.05 hereof.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Allocation and Reimbursement of Real Estate Expenses</U>. The following
expenses relating to the Owned Real Estate shall be allocated to and borne by the party
specified below notwithstanding the failure of this Agreement to close:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Survey costs &#151; BUYER</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Conveyance and transfer fees &#151; SELLER</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Title insurance policy premiums, including
endorsements listed in &#167;&nbsp;10.07c.(i)&nbsp;- SELLER</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Recording fees &#151; BUYER</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(v)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Title insurance commitment fees &#151; SELLER</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">2.&nbsp;<B>CONDUCT OF THE PARTIES PRIOR TO CLOSING</B>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.01 <U>Covenants of SELLER</U>. SELLER hereby covenants with BUYER that, from the date
hereof until the Closing, it will do or cause the following to occur:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Operation of the Office</U>. The SELLER shall (i)&nbsp;conduct the business of the
Office substantially in the same manner as heretofore conducted, (ii)&nbsp;use its best efforts
to prevent harm or damage to the reputation of the Office, (iii)&nbsp;maintain all of the
property at the Office in customary repair, order, and condition, excepting reasonable wear
and tear and damage by fire, the elements, or other casualty, (iv)&nbsp;maintain its books,
accounts, and records concerning the Office in the ordinary and usual manner on a basis
consistent with prior years, (v)&nbsp;comply in all material respects with all laws applicable to
the conduct of its business, (vi)&nbsp;not grant the holder of any Deposit Account an exemption
from any applicable cash reporting requirements imposed by law, and (vii)&nbsp;not increase or
agree to increase the salary, remuneration, or compensation of any of SELLER&#146;s employees
located at the Office, except for increases that are granted in the ordinary course of
SELLER&#146;s business provided that no such increase shall be in excess of 4.5% on average of
such employees&#146; salaries for management personnel and 2.5% on average for staff personnel;
and SELLER shall not, without the prior consent of BUYER, (i)&nbsp;pay interest rates on any
Deposit Accounts so as to cause a material reduction or increase in the existing Deposit
Accounts, (ii)&nbsp;sell, mortgage, subject to lien, pledge, encumber, or otherwise dispose of
any of the Assets of the Office otherwise than in the ordinary course
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">of business, (iii)&nbsp;extend, terminate, or materially amend any provision of any of the
Assigned Contracts relating to the Office, or (iv)&nbsp;change interest rates on any Deposit
Liability except in response to prevailing market rates offered by in-market locally-based
competitors.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Information Concerning and Access to the Office</U>. SELLER shall furnish BUYER
with copies of the monthly balance and yield reports of the Office and of the Deposit
Liabilities identified on Schedule&nbsp;R within five days of the date such reports are
completed. Furthermore, SELLER shall permit officers and authorized representatives of
BUYER access upon reasonable notice to SELLER to inspect the Office and to interview
SELLER&#146;s employees during normal business hours or at such other time mutually agreed upon
by both parties, and to permit BUYER to make or cause to be made such reasonable
investigation of information and materials relating to the financial condition of Assets and
liabilities of the Office including general and subsidiary ledgers, deposit records, audit
reports, and any other information concerning the business, property, and personnel of the
Office as BUYER reasonably deems necessary; provided, however, that such access and
investigation shall be reasonably related to the transactions contemplated hereby and shall
not interfere with the normal operations of the Office; and provided further, that nothing
in this Section&nbsp;2.01(b) shall be deemed to require SELLER to breach any obligation of
confidentiality or to reveal any proprietary information, trade secrets, marketing,
strategic plans, or information not related to the transaction contemplated by this
Agreement. Furthermore, if necessary, SELLER will permit BUYER access upon reasonable
notice to SELLER to install any necessary equipment during the 20&nbsp;days immediately prior to
the Closing which access and installation shall not interfere with the normal operations of
the Office, and if the Acquisition should not be consummated for any reason, BUYER shall
remove such equipment and restore the property to its condition prior to such installation.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Title Commitment for Real Estate</U>. SELLER shall deliver to BUYER, not later
than thirty (30)&nbsp;days after the date hereof, with respect to the Owned Real Estate, a
commitment (the &#147;Title Commitment&#148;) having an effective date as near as reasonably feasible
to the date of delivery of such Title Commitment from a title insurance company authorized
to do business in Ohio designated by SELLER and reasonably satisfactory to BUYER in an
amount reasonably satisfactory to BUYER (but not in excess of the fair market value of the
Owned Real Estate as of the date of this Agreement) setting forth as exceptions to title to
the Owned Real Estate only the Permitted Exceptions as defined in Section&nbsp;10.07(c) and other
matters which shall be removed from title or insured over at Closing. If a Title Commitment
delivered pursuant to this Section&nbsp;2.01(c) discloses title exceptions other than Permitted
Exceptions, SELLER shall have forty-five (45)&nbsp;days from the date of delivery thereof (but no
later than the Closing Date) to have such exceptions cleared and removed from such Title
Commitment, or to have the title insurer commit to insure against loss or damage that may be
occasioned by such exceptions by an endorsement in form and substance reasonably
satisfactory to BUYER. If the exceptions are not removed or endorsement over the exceptions
is not obtained, BUYER may elect not to purchase the affected real estate upon notice to
SELLER within fifteen (15)&nbsp;days after the expiration of the 45-day cure period, or may elect
to take title
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">notwithstanding the exceptions with the right to satisfy from the Acquisition
Consideration liens or encumbrances of a definite or ascertainable amount. As soon as
practicable, but in no event later than forty-five (45)&nbsp;days after the date of this
Agreement, BUYER may, at its sole cost and expense, acquire a current survey of the Owned
Real Estate with easements, encroachment and other encumbrances platted. The survey shall be
conducted in a manner that does not interfere with or otherwise prevent the performance of
the normal operations and activities of the Office.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <U>Creation of Liens and Encumbrances</U>. SELLER shall not voluntarily create any
easements or restrictions affecting the Owned Real Estate.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <U>Condemnation</U>. In the event SELLER is notified of any pending or threatened
condemnation proceeding relating to the Owned Real Estate, SELLER will notify BUYER thereof
and SELLER and BUYER shall cooperate in responding to any such proceeding so as not to
prejudice the rights of BUYER and SELLER to recover in such proceedings.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.02 <U>Covenants of Both Parties</U>.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">a. <U>Regulatory Applications</U>.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">(i)&nbsp;The BUYER shall, within 30&nbsp;days following the date of this Agreement, prepare
and file all applications, as required by law, with the appropriate federal and
state regulatory authorities requesting approval for the Acquisition to be
consummated at the Closing as contemplated in Section&nbsp;6.01 hereof and to effect in
all other respects the transactions contemplated hereby (the &#147;Regulatory
Approvals&#148;). The BUYER agrees to (i)&nbsp;make draft copies of the applications (except
for any confidential portions thereof) available to the SELLER and its counsel a
reasonable time prior to filing, (ii)&nbsp;process the applications in a diligent manner,
(iii)&nbsp;request confidential treatment by the appropriate federal or state regulatory
authority of all non-public information submitted in the applications, (iv)&nbsp;provide
the SELLER and its counsel promptly with a copy of the applications as filed (except
for any confidential portions thereof) and all material notices, orders, opinions,
correspondence and other documents with respect thereto, and (v)&nbsp;use its best
efforts to obtain all Regulatory Approvals.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">(ii)&nbsp;The SELLER shall, as soon as is practicable after filings under (i), notify
the appropriate federal and state regulatory authorities of its intent to terminate
operation of the Office and to consummate the transactions contemplated hereby and
thereafter shall (i)&nbsp;comply with the normal and usual requirements imposed by such
regulatory authorities applicable to effectuate such transactions and (ii)&nbsp;use its
best efforts to obtain any required permission of such regulatory authorities to
cease operating the Office.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Best Efforts</U>. SELLER hereby covenants to BUYER and BUYER hereby covenants
to SELLER that, from the date hereof until the Closing, that each party shall
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">use its best efforts to take, or cause to be taken, all actions necessary, proper, or
advisable to consummate the Acquisition and each party shall cooperate fully with the other
party in obtaining any consents, approvals, permits, or authorizations which are required to
be obtained pursuant to any federal or state law, or any federal or state regulation
thereunder, for or in connection with the transactions described and contemplated in this
Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Environmental Matters.</U> BUYER and SELLER mutually agree that this Section
2.02(c) is intended to constitute the complete and exclusive understanding between parties
with respect to all environmental matters.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Environmental Covenants.</U> SELLER shall provide BUYER an
Environmental Assessment as defined in Section&nbsp;10.07 by an independent
environmental engineer or consultant selected by BUYER and reasonably
acceptable to SELLER (the &#147;Environmental Consultant&#148;). SELLER and BUYER shall
each pay <FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT> of the cost of the Environmental Assessment. The Environmental
Assessment shall be conducted and completed as soon as is reasonably
practicable but in no event later than forty-five (45)&nbsp;days after the date of
this Agreement.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Results of Environmental Assessment; Procedure.</U> If the
Environmental Assessment Report discloses a violation of any Environmental Law,
as defined in Section&nbsp;10.07, payment of the costs for remediation of the
violation (&#147;Remedial Action&#148;) shall be as follows: If the Environmental
Consultant determines in writing that the costs of Remedial Action will be
equal to or less than $10,000, then the estimated costs of the Remedial Action
shall be added to the funds that SELLER is required to make available to BUYER
at Closing under &#167;&nbsp;1.04, and BUYER shall be responsible for completing the
Remedial Action. If the Environmental Consultant determines in writing that
the costs of Remedial Action will be greater than $10,000, then at SELLER&#146;s
option in its absolute discretion,</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&#091;i&#093;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the estimated costs of remediation shall be
added to the funds that SELLER is required to make available at Closing
under &#167;&nbsp;1.04, and BUYER shall be responsible for completing remediation
of the violation; or,</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&#091;ii&#093;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>take such Remedial Action so that an
Environmental Site Assessment Report can be issued that indicates or
reflects that such violation has been remedied in all material respects
to reasonable satisfaction of the BUYER, and the Owned Real Estate
shall be transferred from SELLER to BUYER in accordance with the terms
of this Agreement; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&#091;iii&#093;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>determine not to take any Remedial Action, in
which case BUYER may, at its option:</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="12%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>complete the
purchase of the Owned Real Estate, notwithstanding the
results of the Environmental Assessment; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="12%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>terminate this
Agreement. Any such termination by BUYER shall neither
create nor result in any liability of BUYER or SELLER.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SELLER is under no obligation to take (or cause to be taken) any Remedial Action pursuant to
this Agreement or otherwise and the failure of SELLER to take (or cause to be taken) any such
Remedial Action shall neither create nor result in any liability of SELLER to BUYER. If SELLER
determines not to take any Remedial Action, BUYER&#146;s rights are solely those set forth in this
subparagraph (c)(2).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt">3. <B>REPRESENTATIONS AND WARRANTIES.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.01 <U>Representations and Warranties of SELLER</U>. SELLER represents and warrants to
BUYER as follows:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Good Standing and Power of SELLER.</U> SELLER is an Ohio-chartered nonmember
bank duly organized, validly existing, and in good standing under the laws of the State of
Ohio with corporate power to enter into and perform this Agreement, own its properties, and
to carry on its business as presently conducted and the deposits of which are insured by the
Federal Deposit Insurance Corporation (the &#147;FDIC&#148;).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Authorization of Agreement.</U> The execution and delivery and performance of
this Agreement, and the transactions contemplated hereby, have been duly authorized by all
necessary corporate action on the part of SELLER, and this Agreement is a valid and binding
obligation of SELLER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Effective Agreement</U>. Subject to the receipt of any and all necessary
Regulatory Approvals and required consents, the execution, delivery, and performance of this
Agreement by SELLER, and the consummation of the transactions contemplated hereby, will not
conflict with, result in the breach of, constitute a violation or default, result in the
acceleration of payment or other obligations, or create a lien, charge, or encumbrance,
under any of the provisions of the Articles of Incorporation or Code of Regulations or
Bylaws of SELLER, under any judgment, decree, or order, under any law, rule, or regulation
of any government or agency thereof, or under any contract, agreement, or instrument to
which SELLER is subject, where such conflict, breach, violation, default, acceleration, or
lien would have a material adverse effect on the Assets or SELLER&#146;s ability to perform its
obligations hereunder.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <U>IRA Documentation</U>. The form of master plan agreement for individual
retirement accounts, annexed hereto as <U>Schedule&nbsp;G</U>, and the related Individual
Retirement Account Disclosure Statement, annexed hereto as <U>Schedule&nbsp;H</U>, constitute
the form of the
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">documents establishing the trustee or custodial arrangement in connection with all IRAs
maintained at the Office. No consent of any owner of an IRA is required to effect the
transfer of any IRA account to be transferred to BUYER under Section&nbsp;1.03(b) hereof. If,
however, any such consents shall prove to be necessary, SELLER shall, at its own expense,
use its best efforts to obtain such consents prior to the Closing Date. To the extent
necessary consents to effect transfers of IRAs are not obtained, such accounts shall not be
included in the Deposit Accounts transferred to BUYER hereunder.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <U>Title to Assets</U>. SELLER is the sole owner of each of the Assets free and
clear of any mortgage, lien, encumbrance, or restriction of any kind or nature other than
Permitted Exceptions as to the Owned Real Estate.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <U>Taxes.</U> All federal, state and local payroll, withholding, property, sales,
use, and transfer taxes, if any, which are due and payable by SELLER relating to the Office
prior to the Closing Date shall be paid in full as of the Closing or SELLER shall have made
appropriate provision for such payment in accordance with ordinary business practices. Any
claims for refunds of taxes which have been paid by SELLER shall remain the property of
SELLER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <U>Third-Party Claims.</U> There is no investigation, action, arbitration, suit,
proceeding, or claim, pending or, to the best of SELLER&#146;s knowledge, threatened against
SELLER which could have a material adverse effect on the consummation of the Acquisition or
on the aggregate value of the Office, the Assets being purchased, or the liabilities being
assumed hereunder before or by any federal, state, municipal, or other governmental
department, commission, board, agency, or instrumentality, domestic or foreign.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. <U>No Violation of Laws.</U> To SELLER&#146;s knowledge, SELLER has complied in all
material respects will all statutes and regulations applicable to the conduct of its
business at the Office, and SELLER has not received notification from any agency or
department of federal, state, or local government (1)&nbsp;asserting a violation of any such
statute or regulation, (2)&nbsp;threatening to revoke any license, franchise, permit, or
government authorization, (3)&nbsp;asserting that SELLER is in &#147;default&#148; or &#147;in danger of
default&#148; (within the meaning of those terms as used in 12 USC Section&nbsp;1813(x)) or otherwise
threatening the appointment of a conservator or receiver for SELLER, or (4)&nbsp;restricting or
in any way limiting its operations.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. <U>No Adverse Change</U>. There has been no material adverse change in the
business, operation, or Assets of the Office since March&nbsp;31, 2008.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. <U>Status of Deposit Accounts</U>. As of the latest practicable date prior to the
execution of this Agreement, <U>Schedule&nbsp;I</U> accurately describes all deposit account
services offered at the Office and <U>Schedule&nbsp;R</U> accurately describes all Deposit
Accounts at the Office, and SELLER has custody of all documents related to the Deposit
Accounts. To SELLER&#146;s knowledge, all Deposit Accounts are insured to the maximum amount
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">permissible by the FDIC and are valid accounts in conformity with applicable laws and
regulations.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. <U>Union Contracts</U>. SELLER is not a party to any contract or arrangement with
any union relating to the business conducted at the Office and is not aware of any pending
organization efforts by any union at the Office.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. <U>Assigned Contracts</U>. At the time of Closing, there will be no material
default by the SELLER in the payment or performance of any material obligations under the
Assigned Contracts.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. <U>Cash Reporting Requirements</U>. Except as disclosed on <U>Schedule&nbsp;J</U>
hereto, as of the date of the Agreement, SELLER has not granted the holder of any Deposit
Account an exemption from any applicable cash reporting requirements imposed by law.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. <U>Zoning and Related Matters.</U> To the best knowledge of SELLER, (i)&nbsp;the
current use of the Office does not violate any provision of any building code or any law,
ordinance, rule or regulation relating to zoning; and (ii)&nbsp;there is no condemnation or
similar proceeding pending which would preclude or impair the use of the Office as presently
utilized in the conduct of the business of SELLER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. <U>Environmental.</U> SELLER has received no written notification of any
violations of any applicable federal, state, or local health, environmental, or safety laws,
rules, regulations, or orders with regard to the operation of or affecting the business or
the maintenance of the Office to be sold hereunder, including but not limited to those of
the Comprehensive Environmental Response, Compensation, and Liability Act of 1989, as
amended by the Superfund Amendments and Reauthorization Act of 1986, 42 U.S.C. 9061 et.
seq., the Resource Conservation and Recovery Act of 1976, as amended by the Solid and
Hazardous Waste Amendments of 1984, 42 U.S.C. 6901 et. seq., and the Clean Air Act of 1966,
as amended, 42 U.S.C. 7401 et. seq.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. <U>Limitation of Warranties</U>. Except as set forth in items (n)&nbsp;and (o)&nbsp;of this
Section&nbsp;3.01, SELLER makes no representations or warranties, express or implied, of any type
or nature with respect to the physical condition of the Office and the Owned Real Estate
which are being sold &#147;AS IS&#148;, &#147;WHERE IS&#148; without recourse and with all faults, and without
any obligation on the part of SELLER. Except as otherwise expressly set forth in this
Agreement, by closing this transaction, BUYER hereby releases and agrees to hold harmless
SELLER, and its officers, directors, shareholders, representatives and agents, and waives
any claims which BUYER may now or hereafter have against SELLER relating to the physical
condition of the Office from and after the Closing, including without limitation with
respect to claims under Environmental Laws or with respect to the presence of Hazardous
Substances. BUYER hereby acknowledges that it has had an opportunity to conduct an
inspection of the Office and the Owned Real Estate. Provided, however, that the
representations set forth in items (n)&nbsp;and (o)&nbsp;of this Section&nbsp;3.01 shall survive closing
and delivery of SELLER&#146;s deed to BUYER.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.02 <U>Representations and Warranties of BUYER</U>. BUYER represents and warrants to SELLER
as follows:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Good Standing and Power of BUYER.</U> BUYER is an Ohio-chartered nonmember bank
duly organized, validly existing, and in good standing under the laws of the State of Ohio
with corporate power to enter into and perform this Agreement, to own its properties, and to
carry on its business as presently conducted.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Authorization of Agreement</U>. The execution and delivery and performance of
this Agreement, and the transactions contemplated hereby, have been duly authorized by all
necessary corporate action on the part of BUYER, and this Agreement is a valid and binding
obligation of BUYER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Effective Agreement</U>. Subject to the receipt of any and all necessary
Regulatory Approvals, the execution, delivery, and performance of this Agreement by BUYER,
and the consummation of the transactions contemplated hereby, will not conflict with, result
in the breach of, constitute a violation or default, result in the acceleration of payment
or other obligations, or create a lien, charge, or encumbrance, under any of the provisions
of the Articles of Incorporation or Code of Regulations or Bylaws of BUYER, under any
judgment, decree, or order, under any law, rule, or regulation of any government or agency
thereof, or under any material agreement, contract, or instrument of which BUYER is subject,
where such conflict, breach, violation, default, acceleration, or lien would have a material
adverse effect on BUYER&#146;s ability to perform its obligations hereunder.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <U>No Broker.</U> Except for compensation payable to Stifel, Nicolaus &#038; Company,
Inc., no broker or finder, or other party or agent performing similar functions, has been
retained by BUYER or is entitled to be paid based upon any agreements, arrangements, or
understandings made by BUYER in connection with the transactions contemplated hereby, and no
brokerage fee or other commission has been agreed to be paid by BUYER on account of the
transaction contemplated hereby.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <U>Sufficient Resources</U>. BUYER has sufficient management and financial
resources to obtain the required Regulatory Approvals for the transactions contemplated
hereby. As of the date hereof, there is no pending or, to the best of BUYER&#146;s knowledge
after due inquiry, threatened legal or governmental proceedings against BUYER or any
affiliate that would affect BUYER&#146;s ability to obtain the required Regulatory Approvals or
satisfy any of the other conditions required to be satisfied in order to consummate the
transactions contemplated hereby.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">4.&nbsp;<B>ACTIONS RESPECTING EMPLOYEES AND PENSION AND EMPLOYEE BENEFIT PLANS</B>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.01 <U>Office Employees</U>. As soon as practicable after the execution of this Agreement,
BUYER shall interview all employees of the SELLER who are then assigned to the Office (&#147;Office
Employees&#148;), and BUYER shall in good faith offer employment to Office Employees in good standing at
the Office as of the Closing Date at their current salary levels, provided such are
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">compatible with those offered by BUYER for similar positions. BUYER shall notify SELLER
within sixty (60)&nbsp;days of execution of this Agreement whether BUYER will offer employment to Office
Employees. As of the effective time of the Closing, Office Employees who accept the BUYER&#146;s offer
of employment (the &#147;Transferred Employees&#148;) will become employees of the BUYER and will cease to be
employees of the SELLER.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.02 <U>Transferred Employees</U>. BUYER shall provide each Transferred Employee with the
following:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Each Transferred Employee will be eligible to participate in the BUYER&#146;s qualified
retirement plan or plans, if he or she is eligible based on each such plan&#146;s eligibility
criteria as of the close of business on the Closing Date. BUYER shall credit each
Transferred Employee with the period of years of service with SELLER, its affiliates, and
predecessors in determining eligibility to participate, vesting, and eligibility to receive
benefits (but not accrual of benefits under any defined benefit plan) in BUYER&#146;s retirement
plan(s); provided, however, that such crediting of service shall not operate to duplicate
any benefit or the funding of any benefit for any period of service; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Each Transferred Employee will receive credit for years of service with SELLER, its
affiliates, and predecessors for purposes of calculation of benefits and waiting period
eligibility in BUYER&#146;s benefits programs not specifically covered by other subparagraphs of
this section, including but not limited to, vacation, severance, leaves of absence,
education assistance, sick leave, short and long-term disability plans, and other similar
benefits.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.03 <U>No Additional Contract Rights</U>. (i)&nbsp;BUYER&#146;s employment of any Transferred
Employee shall not constitute any commitment, contract, or understanding (express or implied) of an
obligation on the part of BUYER to a post-Closing employment relationship of any fixed term or
duration or upon any terms or conditions other than those that BUYER may establish pursuant to
individual offers of employment, and (ii)&nbsp;employment offered by BUYER is &#147;at will&#148; and may be
terminated by BUYER or by a Transferred Employee at any time for any reason (subject to any written
commitments to the contrary made by BUYER or a retained Employee and legal restrictions). Nothing
in this Agreement shall be deemed to prevent or restrict in any way the right of BUYER to
terminate, reassign, promote, or demote any of Transferred Employees after the Closing or to change
adversely or favorably the title, powers, duties, responsibilities, functions, locations, salaries,
other compensation or terms or conditions of employment of such Transferred Employees.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.04 <U>Actions to be Taken by SELLER</U>. SELLER covenants to BUYER that it will do or
cause the following to occur:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Personnel Information</U>. Upon request, and with such employees&#146; written
consent, SELLER shall provide BUYER with pertinent personnel information regarding any
Office Employee.
</DIV>

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</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Solicitation of Office Employees</U>. Except with the written consent of BUYER,
for three years following the Closing Date, SELLER will not solicit Office Employees as
prospective officers or employees of SELLER if any such Office Employee is employed by
BUYER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Employee Benefit Programs</U>. After the Closing, SELLER shall retain the
responsibility and liability for any claims and occurrences giving rise to claims under
SELLER&#146;s benefit programs by an Office Employee or eligible dependents thereof which
occurred prior to or on the Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">5. <B>CONDITIONS PRECEDENT TO CLOSING.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.01 <U>Conditions to SELLER&#146;s Obligations</U>. The obligation of SELLER to consummate the
Acquisition is subject to the satisfaction, or the waiver by SELLER to the extent permitted by
applicable law, of the following conditions at or prior to the Closing:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Prior Regulatory Approval</U>. All filings and registrations with, and
notifications to, all federal and state authorities required for consummation of the
Acquisition shall have been made, all approvals and authorizations of all federal and state
authorities required for consummation of the Acquisition shall have been received, shall not
contain any condition which is materially disadvantageous or burdensome to SELLER consistent
with the terms of this Agreement, and shall be in full force and effect, and all applicable
waiting periods shall have passed.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Corporate Action</U>. The Board of Directors of BUYER shall have taken all
corporate action necessary by it to effectuate this Agreement and the Acquisition; and BUYER
shall have furnished SELLER with a certified copy of each such resolution adopted by the
Board of Directors of BUYER evidencing the same.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Representations and Warranties</U>. The representations and warranties of BUYER
set forth in this Agreement shall be true and correct in all material respects on the
Closing Date with the same effect as though all such representations and warranties had been
made on and as of such date (unless a different date is specifically indicated in such
representations and warranties), and BUYER shall have delivered to SELLER a Certificate to
that effect, dated as of the Closing Date to the effect specified in <U>Schedule&nbsp;K</U> to
this Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <U>Covenants</U>. Each and all of the covenants and agreements of BUYER to be
performed or complied with at or prior to Closing pursuant to this Agreement shall have been
duly performed or complied with in all material respects by BUYER, or waived by SELLER, and
BUYER shall have delivered to SELLER a Certificate to that effect, dated as of the Closing
Date to the effect specified in <U>Schedule&nbsp;K</U> to this Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <U>No Proceedings or Prohibitions</U>. At the time of the Closing, there shall not
be any litigation, investigation, inquiry, or proceeding pending or threatened in or by any
court or agency of any government or by any third party to restrain, enjoin, or prohibit
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">consummation of the transactions contemplated by this Agreement or which might result
in rescission in connection with such transactions; and SELLER shall have been furnished
with a Certificate, in substantially the form specified in <U>Schedule&nbsp;K</U> to this
Agreement, dated as of the Closing Date and signed by an authorized officer of BUYER, to the
effect that no such litigation, investigation, inquiry, or proceeding is pending or, to the
best of their knowledge, threatened.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <U>Other Matters</U>. BUYER shall have complied in all material respects with
terms and conditions in this Agreement that are required to be performed or complied with by
BUYER on or prior to the Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.02 <U>Conditions to BUYER&#146;s Obligations</U>. The obligation of BUYER to consummate the
Acquisition is subject to the satisfaction, or the waiver by BUYER to the extent permitted by
applicable law, of the following conditions at or prior to the Closing:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <U>Prior Regulatory Approval.</U> All filings and registrations with, and
notifications to, all federal and state authorities required for consummation of the
Acquisition by BUYER shall have been made, all approvals and authorizations of all federal
and state authorities required for consummation of the Acquisition by BUYER shall have been
received, shall not contain any condition which is materially disadvantageous or burdensome
to BUYER, and shall be in full force and effect, and all applicable waiting periods shall
have passed.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <U>Corporate Action.</U> The Board of Directors of SELLER shall have taken all
corporate action necessary by it to effectuate this Agreement and the Acquisition; and
SELLER shall have furnished BUYER with a certified copy of each such resolution adopted by
the Board of Directors of SELLER evidencing the same.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. <U>Representations and Warranties.</U> The representations and warranties of
SELLER set forth in this Agreement shall be true and correct in all material respects on the
Closing Date with the same effect as though all such representations and warranties had been
made on and as of such date (unless a different date is specifically indicated in such
representations and warranties), and SELLER shall have delivered to BUYER a Certificate to
that effect, dated as of the Closing Date, in substantially the form specified in
<U>Schedule&nbsp;L</U> to this Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <U>Covenants.</U> Each and all of the covenants and agreements of SELLER to be
performed or complied with at or prior to Closing pursuant to this Agreement shall have been
duly performed or complied with in all material respects by SELLER, or waived by BUYER, and
SELLER shall have delivered to BUYER a Certificate to that effect, dated as of the Closing
Date, in substantially the form specified in <U>Schedule&nbsp;L</U> to this Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <U>No Proceeding or Prohibitions</U>. At the time of the Closing, there shall not
be any litigation, investigation, inquiry, or proceeding pending or threatened in or by any
court or agency of any government or by any third party to restrain, enjoin, or prohibit
consummation of the transactions contemplated by this Agreement or which might result
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">in rescission in connection with such transactions; and BUYER shall have been furnished
with a Certificate, in substantially the form specified in<U> Schedule&nbsp;L</U> to this
Agreement, dated as of the Closing Date and signed by an authorized officer of SELLER, to
the effect that no such litigation, investigation, inquiry, or proceeding is pending or
threatened to the best of their knowledge.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <U>Real Property</U>. The Title Commitment (as defined in Section&nbsp;2.01(c) herein)
shall have been delivered to BUYER, and updated to the business day prior to the Closing
Date, in accordance with the terms of such Section, and such updated Title Commitment shall
not include any exceptions other than those set forth in the original Title Commitment and
the Permitted Exceptions.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <U>Inspection of Owned Real Estate</U>. BUYER may conduct physical inspections of
the physical condition of all improvements, building, and mechanical equipment comprising
the Owned Real Estate (&#147;BUYER&#146;s Inspections&#148;). BUYER&#146;s Inspections shall be conducted at a
time mutually acceptable to BUYER and SELLER, but no later than ten (10)&nbsp;business days after
the signing of this Agreement. BUYER&#146;s Inspections shall be conducted in a manner that does
not interfere with or otherwise prevent the performance of the normal operations and
activities of the Office. If the BUYER&#146;s inspections are acceptable, BUYER shall promptly
notify SELLER in writing of such determination. If BUYER&#146;s inspections indicate that the
physical condition of any of the building, equipment, or improvements comprising the Owned
Real Estate is not reasonably acceptable to BUYER, BUYER shall notify SELLER in writing,
within twenty (20)&nbsp;business days of the signing of this Agreement, of the repairs and
improvements that must be made in order to remedy any unsatisfactory physical condition
(&#147;Repairs&#148;). BUYER&#146;s estimate of the cost of the Repairs shall be determined by a reputable
architect or general contractor in writing (&#147;Repair Costs&#148;). At Seller&#146;s option in its
absolute discretion, SELLER may remedy the condition or add the estimated Repair Costs to
the components which comprise the amount due under Section&nbsp;1.04(a) or terminate this
Agreement. Any such termination by SELLER shall neither create nor result in any liability
of SELLER or BUYER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The parties further agree that no less than three (3)&nbsp;business days prior to the
Closing Date, BUYER may request a final walk-through inspection of the Owned Real Estate to
determine if any physical condition exists that did not exist, or that is not the result of
a condition that existed, at the time of BUYER&#146;s Inspections, normal wear and tear excepted,
that is not reasonably acceptable to BUYER. BUYER must give SELLER written notice within
one (1)&nbsp;day of the Repairs that must be made in order to remedy any unsatisfactory condition
that did not exist or that is not the result of a condition that existed at the time of
BUYER&#146;s Inspection and the Repair Costs. If the architect or general contractor determines
in writing that the Repair Costs will be equal to or less than $10,000, then the estimated
Repair Costs shall be added to the funds that SELLER is required to make available to Buyer
at Closing under &#167; 1.04, and BUYER shall be responsible for completing the Repairs. If the
architect or general contractor determines in writing that the Repair Costs will be greater
than $10,000, then at SELLER&#146;s option in its absolute discretion,
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&#091;i&#093;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the Repair costs shall be added to the funds that SELLER is
required to make available at Closing under &#167; 1.04, and BUYER shall be
responsible for completing remediation of the violation; or,</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&#091;ii&#093;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>SELLER shall complete the Repairs to reasonable satisfaction of
the BUYER, and the Owned Real Estate shall be transferred from SELLER to BUYER
in accordance with the terms of this Agreement; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&#091;iii&#093;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>determine not to take any Remedial Action, in which case BUYER
may, at its option:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD colspan="3">&#091;a&#093; complete the purchase of the Owned Real Estate;
or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD nowrap colspan="3">&#091;b&#093; terminate this Agreement. Any such termination
by BUYER shall neither create nor result in any liability of BUYER or
SELLER.</TD>
</TR>

</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SELLER is under no obligation to complete any Repairs pursuant to this Agreement or
otherwise and the failure of SELLER to complete any Repairs shall neither create nor result
in any liability of SELLER to BUYER. If SELLER determines not to undertake any Repairs,
BUYER&#146;s rights are solely those set forth in this subparagraph (g).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the Owned Real Estate is damaged as a result of BUYER&#146;s conduct of the inspections
or the Environmental Assessment, BUYER shall be responsible for restoring the Owned Real
Estate to its condition before BUYER&#146;s entry. BUYER shall indemnify, defend (by counsel
acceptable to SELLER) and hold harmless SELLER and SELLER&#146;s officers, directors, and
employees from and against any and all damages to the Owned Real Estate arising out of the
actions of BUYER, its employees, agents, representatives, contractors, or licensees in
conducting the inspections of the Owned Real Estate or the Environmental Assessment.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. <U>Other Matters</U>. SELLER shall have complied in all material respects with
each additional agreement contained in this Agreement which is required to be performed or
complied with by SELLER on or prior to the Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.03 <U>Non-Satisfaction of Conditions Precedent</U>. The nonoccurrence or delay of the
Closing of the Acquisition by reason of the failure of timely satisfaction of all conditions
precedent to the obligations of any party hereto to consummate the Acquisition shall in no way
relieve such party of any liability to another party hereto, nor be deemed a release or waiver of
any claims the other party hereto may have against such party, if and to the extent the failure of
timely satisfaction of such conditions precedent is attributable to the actions or inactions of
such party.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.04 <U>Waiver of Conditions Precedent</U>. The conditions specified in Sections&nbsp;5.01 and
5.02 herein shall be deemed satisfied or, to the extent not satisfied, waived if the Closing occurs
unless such failure of satisfaction is reserved in a writing executed by BUYER and SELLER at or
prior to the closing.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">6. <B>CLOSING.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.01 <U>Closing and Closing Date</U>. Unless otherwise agreed in writing, the Acquisition
contemplated by this Agreement will be consummated and closed (the &#147;Closing&#148;) on a date mutually
agreed upon by SELLER and BUYER (the &#147;Closing Date&#148;) but in no event later than December&nbsp; 1, 2008;
provided, however, that the Closing shall not occur until at least three business days after all
applicable Regulatory Approvals have been obtained and all applicable waiting periods have expired,
subject to Sections&nbsp;5.01, 5.02, and 7.01.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.02 <U>SELLER&#146;s Actions at Closing</U>. At the Closing (unless another time is specifically
stated), SELLER shall, except as otherwise provided in this Agreement:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. deliver to BUYER at the Office (i)&nbsp;such of the Assets as shall be capable of
physical delivery, (ii)&nbsp;such of the material files, records, and documents (in whatever form
or medium then maintained by SELLER) pertaining to the Assets and the Deposit Liabilities as
exist and are available, (iii)&nbsp;all safekeeping agreements, receipts, and other documents
pertaining to all safekeeping items held by the Office for customers at the time of the
Closing, and (iv)&nbsp;all safekeeping items held by the Office for customers at the time of the
Closing, subject to the provisions of the applicable agreements, receipts, and other
documents pertaining thereto;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. execute, acknowledge (if required pursuant to applicable law), and/or deliver to
BUYER the Certificate of SELLER in the form of attached <U>Schedule&nbsp;L</U>, the Instrument
of Assumption in the form of attached <U>Schedule&nbsp;M</U>, the Instrument of Assumption of
IRAs in the form of attached <U>Schedule&nbsp;N</U>, the Bill of Sale and Receipt in the form of
attached <U>Schedule&nbsp;O</U>, a Limited Warranty Deed in the form of attached <U>Schedule
P</U> for the county in which the Owned Real Estate is situated, the Settlement Statement in
the form of attached <U>Schedule&nbsp;Q</U>, all other documents required to be delivered to
BUYER by SELLER at the Closing pursuant to the terms of this Agreement, and any other
documents which BUYER has furnished to SELLER not later than ten business days prior to the
Closing that are necessary to consummate the transactions contemplated by this Agreement and
are in such form as is reasonably acceptable to SELLER; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. deliver to BUYER updated <U>Schedules C</U>, D, <U>E, R</U>, and, if applicable,
updated <U>Schedules</U> <U>F</U> and <U>I</U> as of the close of business three calendar
days immediately preceding the Closing Date.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. deliver to BUYER any funds required to be paid by SELLER to BUYER at the Closing
pursuant to the terms of this Agreement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. deliver to BUYER a certification to the effect that it is not a &#147;foreign person&#148;
within the meaning of Section&nbsp;1445 of the Internal Revenue Code of 1986, as amended.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.03 <U>BUYER&#146;s Actions at Closing</U>. At the Closing (unless another time is specifically
stated), BUYER shall:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. execute, acknowledge (if required pursuant to applicable law),
and/or deliver to SELLER the Certificate of BUYER in the form of attached <U>Schedule&nbsp;K</U>, the
Instrument of Assumption in the form of attached <U>Schedule&nbsp;M</U>, the Instrument of
Assumption of IRAs in the form of attached <U>Schedule&nbsp;N</U>, the Bill of Sale and Receipt
in the form of attached <U>Schedule&nbsp;O</U>, the Settlement Statement in the form of attached
<U>Schedule&nbsp;Q</U>, all other documents required to be delivered to SELLER by BUYER at the
Closing pursuant to the terms of this Agreement, and any other documents which SELLER has
furnished to BUYER not later than ten business days prior to the Closing that are reasonably
necessary to consummate the transactions contemplated by this Agreement and are in such form
as is reasonably acceptable to the BUYER;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. deliver to SELLER any funds required to be paid by BUYER to SELLER at the Closing
pursuant to the terms of this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.04 <U>Non-Waiver of Rights</U>. The execution and acknowledgment of any such instruments
referenced in Sections&nbsp;6.02 and 6.03 herein shall not be deemed to be a waiver of any rights or
obligations by either party to this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.05 <U>Methods of Payment</U>. Subject to the adjustment procedures set forth in the last
sentence of this Section&nbsp;6.05, the transfer of the funds, if any, due to BUYER or to SELLER, as the
case may be, as set forth pursuant to the terms of Section&nbsp;1.04 hereof, shall be made at the
effective time of the Closing on the Closing Date in immediately available funds. At least two
business days prior to the Closing, SELLER and BUYER shall provide written notice to one another
indicating the account and bank to which such funds shall be wire transferred. In order to
facilitate the Closing, the parties agree: (i)&nbsp;that the amount of funds transferred on the Closing
Date shall be the amount which is calculated pursuant to Section&nbsp;1.04 hereof; and (ii)&nbsp;that within
ten business days after the Closing (the &#147;Adjustment Payment Date&#148;) the parties shall make an
appropriate post-closing adjustment payment (the &#147;Adjustment Payment&#148;), consistent with the
provisions of Section&nbsp;1.04 hereof, with respect to all items listed in Section&nbsp;1.04(a) determined
as of the Closing Date, including but not limited to, (A)&nbsp;prorations under Section&nbsp;1.04(b) hereof,
and (B)&nbsp;such portion of any deposit insurance premium paid by SELLER relating to the Deposit
Accounts, and attributable to any period following the Closing Date, as determined in accordance
with Section&nbsp;1.04(b). The Adjustment Payment shall be paid by wire transfer to the previously
designated accounts, by SELLER or by BUYER, as required in Section&nbsp;1.04(a) hereof, on or before the
Adjustment Payment Date. Interest on the amount of the Adjustment Payment for the period from the
Closing Date to the Adjustment Payment Date shall be due to the party receiving the Adjustment
Payment. Interest shall be calculated on the basis of the Federal Funds rate in effect on the
Closing Date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.06 <U>Availability of Closing Documents</U>. The form of documents proposed to be used and
delivered at the Closing shall be made available for examination by the respective parties not
later than 12:00 noon, prevailing Eastern time, on the third business day prior to the Closing Date
to the extent feasible.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.07 <U>Effectiveness of Closing</U>. Upon the satisfactory completion of such Closing,
which does not include and shall not require completion and payment of the adjustment amounts set
forth in Section&nbsp;6.05, the Acquisition shall be deemed to be effective, and the Closing shall be
deemed to have occurred.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">7. <B>CERTAIN TRANSITIONAL MATTERS.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.01 <U>Transitional Action by BUYER</U>. Unless otherwise specified, after the Closing:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. BUYER shall: (i)&nbsp;pay in accordance with the law and customary banking practices and
applicable Deposit Account contract terms, all properly drawn and presented checks,
negotiable orders of withdrawal, drafts, debits, and withdrawal orders presented to BUYER by
mail, over the counter, through electronic media, or through the check clearing system of
the banking industry, by depositors of the Deposit Accounts assumed by BUYER hereunder,
whether drawn on checks, negotiable orders of withdrawal, drafts, or withdrawal order forms
provided by BUYER or forms provided by SELLER; and (ii)&nbsp;in all other respects discharge, in
the usual course of the banking business, the duties and obligations of SELLER with respect
to the balances due and owing to the depositors whose Deposit Accounts are assumed by BUYER
hereunder; provided, however, that any obligations of BUYER pursuant to this Section&nbsp;7.01 to
honor checks, negotiable orders of withdrawal, and withdrawal orders on forms provided by
SELLER and carrying its imprint (including its name and transit routing number) shall not
apply to any drafts or withdrawal orders presented to BUYER more than 180&nbsp;days following the
Closing Date.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Subject to the penultimate sentence of this subsection (b), during the 20&nbsp;days
immediately preceding Closing, but not earlier than the time of procurement of all
Regulatory Approvals, BUYER shall notify the depositors having Deposit Accounts of BUYER&#146;s
assumption of the Deposit Accounts and furnish each appropriate depositor with checks or
drafts on the forms of BUYER and with instructions to utilize BUYER&#146;s checks and to destroy
unused drafts of SELLER. BUYER shall, at BUYER&#146;s expense, notify the depositors of the date
after which it will no longer honor checks, drafts, and withdrawal orders on forms provided
by SELLER and carrying SELLER&#146;s imprint in accordance with Section&nbsp;7.01(a) hereof. During
the 20&nbsp;days immediately prior to Closing (or at such earlier time as may be required by
law), SELLER may, at SELLER&#146;s expense, likewise notify depositors of this transaction;
provided, however, that SELLER agrees to include in any such notification any communication
from BUYER requested to be included therein. Both BUYER and SELLER agree that prior to
forwarding such notices, the form of such notices must first be approved by both parties
hereto.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. BUYER shall promptly pay to SELLER an amount equivalent to the amount of any checks,
negotiable orders of withdrawal, drafts, or withdrawal orders credited as of the close of
business on the Closing Date to a Deposit Account assumed by BUYER hereunder which are
returned uncollected to SELLER after the Closing Date. With respect to payments to be made
pursuant to this paragraph, BUYER shall be obligated to pay to SELLER an amount up to the
balance of the relevant Deposit Account on the date that SELLER requests repayment.
Notwithstanding the foregoing, SELLER
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">shall bear all liability for items deposited or negotiated at the Office prior to or on
the Closing Date and subsequently returned as uncollectible to the extent that an overdraft
is created immediately after (i)&nbsp;the exercise of BUYER&#146;s lawful rights of offset and (ii)
the application of any availability under any overdraft line of credit relating to the
affected account or accounts, provided that BUYER shall handle returned items expeditiously
under the permanent rules established by the Federal Reserve in Regulation&nbsp;J and Regulation
CC.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.02 <U>Transitional Actions by SELLER</U>.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Prior to the Closing Date, SELLER shall use reasonable efforts to cooperate with
BUYER in assuring an orderly transition of ownership of the Assets and responsibility for
the Deposit Liabilities assumed by BUYER hereunder.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prior to the Closing Date, the SELLER shall assist the BUYER in preparing the
BUYER&#146;s data processing system to receive the Deposit Liabilities, which assistance shall
include, but shall not be limited to, the following:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) As soon as practicable following the date of this Agreement and not later
than June&nbsp;30, 2008, the SELLER shall deliver to the BUYER data and descriptive
information and such other reasonable and customary information (including ACH) with
data conversion relating to the Deposit Accounts in a flat file text file data file
using an EBCDIC format (the &#147;Compatible Data File&#148;) containing, among other
information, customer name, address, card number, withdrawal limits, the Deposit
Accounts activated by, accessible to or related in any manner to customers of the
Office;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) On or before June&nbsp;30, 2008, an updated Compatible Data File;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) On the Closing Date, SELLER shall deliver to the BUYER a final Compatible
Data File, which Compatible Data File shall constitute the SELLER&#146;s Records
maintained as of and current through the effective time of the Closing with respect
to the Deposit Accounts; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) The SELLER shall deliver to the BUYER trial balance reports with each
Compatible Data File delivered pursuant to this Section&nbsp;7.02(b).
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prior to the Closing Date, SELLER shall cooperate with BUYER in making Office
Employees available at reasonable times not to exceed, in the aggregate, eight (8)&nbsp;hours for
whatever program of training BUYER deems advisable; <U>provided, however,</U> that BUYER
shall conduct such training program in a manner that does not materially interfere with or
prevent the performance of the normal duties and activities of such Office Employees or
operation of the Office. SELLER shall also cooperate with BUYER and its agents to
facilitate installation of teller and other operating equipment in the Office, provided that
such installation shall be at BUYER&#146;s sole cost and expense and shall be planned so as not
to interfere significantly with SELLER&#146;s normal business activities, and provided further,
that if this Agreement is terminated, the removal of the
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">equipment and the return of the Office to its previous condition shall be at the
expense of the BUYER.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. On or before the Closing Date, SELLER shall (i)&nbsp;resign as of the close of business
on the Closing Date as the trustee or custodian, as applicable, of each IRA included in the
Deposit Liabilities of which it is the trustee or custodian, (ii)&nbsp;to the extent permitted by
the documentation governing each such IRA and applicable law, appoint BUYER as successor
trustee or custodian, as applicable, of each such IRA, and BUYER hereby accepts each such
trusteeship or custodianship under the terms and conditions of BUYER&#146;s plan documents for
its IRA, and assumes all fiduciary and custodial obligations with respect thereto as of the
close of business on the Closing Date, and (iii)&nbsp;deliver to the IRA grantor of each such IRA
such notice of the foregoing as is required by the documentation governing each such IRA or
applicable law. BUYER shall be solely responsible for delivering its IRA documents to the
applicable IRA grantor, including but not limited to a beneficiary designation form to be
completed by the applicable IRA grantor. If, pursuant to the terms of the documentation
governing any such IRA or applicable law, (X)&nbsp;SELLER is not permitted to appoint BUYER as
successor trustee or custodian, or the IRA grantor named fiduciary objects in writing to
such designation, or is entitled to, and does, in fact, name a successor trustee or
custodian other than BUYER, or (Y)&nbsp;such IRA includes assets which are not Deposit
Liabilities and are not being transferred to BUYER or the assumption of such deposits
included in such IRA would result in a loss of qualification of such IRA under the Code or
applicable IRS regulations, all deposits of SELLER held under such IRA shall be excluded
from the Deposit Liabilities. Upon appointment as a successor custodian for such IRA
Deposit Liabilities or as a successor trustee for such IRAs, BUYER shall perform the
services and carry out the duties and obligations required of it under the applicable plans,
the Code and applicable Federal and state laws and regulations.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the extent the Deposit Liabilities include certain IRAs that are required to make
certain periodic distributions to the IRA account owner (or beneficiary) either at the
account owner&#146;s or participant&#146;s request or because the account owner or participant has
attained age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>, effective as of the Transfer Date, BUYER agrees to continue to make such
periodic distributions in accordance with the reasonable distribution instructions forwarded
by SELLER to BUYER. BUYER hereby assumes the obligation to pay each minimum distribution
required by federal law by December&nbsp;31 of the calendar year in which the Closing occurs and,
in consideration thereof, SELLER agrees not to withhold the amount of such distributions
from the aggregate amount of the Deposit Liabilities.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior to the Closing Date, SELLER shall provide to BUYER copies of all plan documents
and beneficiary designation forms in SELLER&#146;s possession with respect to the IRAs.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Prior to the Closing Date, SELLER and BUYER will develop appropriate procedures, and
arrangements to provide for settlement by BUYER of checks, drafts, withdrawal orders,
returns, and other items that are drawn on or chargeable against Deposit Accounts and ACH
incoming items after the Closing Date. If any depositor who has a Deposit Account draws
checks, drafts, or negotiable orders of withdrawal against
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">the Deposit Account, which are presented or delivered to SELLER not later than one
hundred eighty (180)&nbsp;days after the Closing Date, SELLER shall use its commercially
reasonable efforts to batch all such checks, drafts, negotiable orders of withdrawal, or
other withdrawal order forms and to deliver the same to BUYER at BUYER&#146;s sole expense.
BUYER acknowledges that any delay, failure, or inability on its part to comply with the
obligations imposed upon it as a depository institution under applicable federal or state
law, with regard to such checks, drafts, negotiable orders of withdrawal or other withdrawal
orders shall not result in any liability or obligation of SELLER and shall not affect any of
the rights of SELLER under this Agreement.
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Prior to Closing, SELLER and BUYER will develop a methodology by which ACH items received by SELLER
after Closing will be electronically redirected to BUYER. For a period of ninety (90)&nbsp;days
following the Closing Date, SELLER agrees to continue to accept and immediately forward to BUYER
all automated clearinghouse entries and corresponding funds. SELLER also agrees to include the
originator identification number, and BUYER agrees to immediately notify and instruct the
originator of the ACH to reroute the entries directly to BUYER. After the 90-day period, SELLER
may discontinue accepting and forwarding ACH entries and return them to the originators marked
&#147;Account Sold to Another DFI.&#148; BUYER shall indemnify SELLER against any losses arising out of or
related to any account overdrafts that may thereby be created.
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. As of the opening of business on the Closing Date, SELLER shall advise the Federal
Reserve Bank of Cleveland that the account number ranges of the routing transit number
associated with the Office should be reassigned to BUYER and shall further provide the
information in order to expedite the clearing and sorting of all checks, drafts,
instruments, and other commercial paper related to the Deposit Accounts.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. SELLER shall report from January&nbsp;1, 2008, through the Closing Date, and BUYER shall
report from the Closing Date through December&nbsp;31, 2008, all interest credited to, interest
premiums paid on, interest withheld from and early withdrawal penalties charged to the
Deposit Accounts. Such reports shall be made to the holders of Deposit Liabilities and to
the applicable federal and state regulatory agencies.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. On or before the Closing Date, SELLER shall deliver to BUYER a list of all &#147;B&#148;
notices (TINs do not match) and &#147;C&#148; notices (under reporting/IRS imposed withholding) issued
by the Internal Revenue Service (&#147;IRS&#148;) relating to such Deposit Accounts. SELLER shall
immediately deliver to BUYER (i)&nbsp;any and all similar notices regarding such Deposit Accounts
received from the IRS, and (ii)&nbsp;all notices received from the IRS releasing withholding
restrictions on such Deposit Accounts. Any amounts required by any governmental agency to
be withheld from any of such Deposit Accounts (the &#147;Withholding Obligations&#148;) or any
penalties imposed by any governmental agency will be handled as follows:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Any Withholding Obligations required to be remitted to the
appropriate governmental agency on or prior to the Closing Date will be
withheld and remitted by SELLER, and any other sums withheld by SELLER
pursuant to Withholding Obligations prior to the Closing Date
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">shall also be remitted by SELLER to the appropriate governmental agency
on or prior to the time they are due;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) Any Withholding Obligations required to be remitted to the
appropriate governmental agency after the Closing Date with respect to
Withholding Obligations after the Closing Date shall be withheld and
remitted by BUYER. Within two (2)&nbsp;days of receipt of any such notice by
SELLER, SELLER shall notify BUYER and BUYER shall comply with the
notification requirements;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Any penalties described on &#147;B&#148; notices from the IRS or any
similar penalties which relate to the Deposit Accounts will be paid by
SELLER promptly upon receipt of the notice, providing such penalty
assessment resulted from SELLER&#146;s acts, policies or omissions, and any
efforts to reduce such penalties shall be the responsibility of SELLER; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) Any penalties assessed due to information missing from information
filings regarding the Deposit Accounts, including, without limitation, 1099
forms, shall be paid by SELLER promptly upon receipt of the notice providing
such penalty assessment resulting from SELLER&#146;s acts, policies or omissions,
and any efforts to reduce such penalties shall be the responsibility of
SELLER.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.03 <U>Effect of Transitional Action</U>. Except as and to the extent expressly set forth
in this Article&nbsp;7, nothing contained in this Article&nbsp;7 shall be construed to be an abridgement or
nullification of the rights, customs and established practices under applicable banking laws and
regulations as they affect any of the matters addressed in this Article&nbsp;7.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">8. <B>GENERAL COVENANTS AND INDEMNIFICATION.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.01 <U>Confidentiality Obligations of BUYER</U>. BUYER shall, and shall cause any agents,
officers, directors, employees and other affiliates of BUYER (collectively referred to in this
Section as &#147;BUYER affiliates&#148;) to, treat all information received from SELLER concerning the
business, Assets, operations, and financial condition of SELLER (including without limitation the
Office), as confidential, unless and to the extent that BUYER can demonstrate that such information
was already known to BUYER or such BUYER affiliates or in the public domain; and BUYER shall, and
shall cause BUYER affiliates to, not use any such information required to be treated as
confidential for any purpose except in furtherance of the transactions contemplated hereby. Upon
the termination of this Agreement, BUYER shall, and shall cause BUYER affiliates to, promptly
return all documents and workpapers containing, and all copies of, any such information required to
be treated as confidential received from or on behalf of SELLER in connection with the transactions
contemplated hereby. The covenants of BUYER contained in this Section&nbsp;8.01 shall survive any
termination of this Agreement, but shall terminate at the Closing, if it occurs, with respect to
any information that is limited solely to the activities and transactions of the Office; provided,
however, that neither BUYER nor any of the BUYER affiliates shall be deemed to have violated the
covenants set forth in this Section&nbsp;8.01 if BUYER or any of such BUYER affiliates shall in good
faith disclose any of such confidential
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">information in compliance with any legal process, order, or decree issued by any court or
agency of government of competent jurisdiction, after BUYER has given SELLER notice of the legal
process, order, or decree (if permitted by law).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.02 <U>Confidentiality Obligations of SELLER</U>. SELLER shall, and shall cause any agents,
officers, directors, employees and other affiliates of SELLER (collectively referred to in this
Section as &#147;SELLER affiliates&#148;) to, treat all information received from BUYER concerning BUYER&#146;s
business, Assets, operations, and financial condition as confidential, unless and to the extent
SELLER can demonstrate that such information was already known to SELLER or such SELLER affiliates
or in the public domain; and SELLER shall, and shall cause SELLER affiliates to, not use any such
information (so required to be treated as confidential) for any purpose except in furtherance of
the transactions contemplated hereby. Upon the termination of this Agreement, SELLER shall, and
shall cause SELLER affiliates to, promptly return all documents and workpapers containing, and all
copies of, any such information required to be treated as confidential received from or on behalf
of BUYER in connection with the transactions contemplated hereby. The covenants of SELLER
contained in this Section&nbsp;8.02 shall survive any termination of this Agreement prior to Closing,
but shall terminate at the Closing; provided, however, that neither SELLER nor any of the SELLER
affiliates shall be deemed to have violated the covenants set forth in this Section&nbsp;8.02 if SELLER
or any of such SELLER affiliates shall in good faith disclose any of such confidential information
in compliance with any legal process, order, or decree issued by any court or agency of government
of competent jurisdiction after SELLER has given BUYER notice of the legal process, order or decree
(if permitted by law).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.03 <U>Indemnification</U>. SELLER shall indemnify and hold harmless BUYER against and in
respect of any and all claims, suits, proceedings (formal or informal), investigations, judgments,
deficiencies, damages, settlements, liabilities, and legal and other expenses (including reasonable
legal fees and expenses of attorneys) as and when incurred arising out of or based upon the Deposit
Liabilities and any other obligation assumed by BUYER relating to the operations of the Office
prior to the Closing or any breach of any representation, warranty, covenant, or agreement of
SELLER contained in this Agreement or in any certificate or other document delivered by it pursuant
to this Agreement. BUYER shall indemnify and hold harmless SELLER against and in respect of any
and all claims, suits, proceedings (formal or informal), investigations, judgments, deficiencies,
damages, settlements, liabilities, and legal and other expenses (including reasonable legal fees
and expenses of attorneys) as and when incurred arising out of or based upon any of the Deposit
Liabilities and any other obligation assumed by BUYER relating to the operations of the Office
during and after the Closing or any breach of any representation, warranty, covenant, or agreement
of BUYER contained in this Agreement or in any certificate or other document delivered by it
pursuant to this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.04 <U>Further Assurances</U>. From and after the date hereof, each party hereto agrees to
execute and deliver such instruments and to take such other actions as the other party hereto may
reasonably request in order to carry out and implement this Agreement. Following the Closing Date,
SELLER will execute and deliver such instruments and take such other actions as the BUYER may
request to assign, endorse, transfer, and convey to the BUYER each and all of the Assets and to do,
execute, acknowledge, and deliver all acts, deeds, conveyances, transfers, documents, and
assurances necessary or proper for such purpose. The covenants of each of the parties hereto
pursuant to this Section&nbsp;8.04 shall survive the Closing.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.05 <U>Solicitation of Customers</U>. From and after the Closing Date, for a period of
three years, SELLER will not, and SELLER will not permit any of its affiliates to, directly compete
for or solicit business from any person (<I>i.e.</I>, an individual, corporation, partnership, bank,
limited liability company, trust, association, incorporated organization, or other entity) whose
deposit account liabilities are assumed by BUYER pursuant to this Agreement, unless and on the
basis that such customer has an account at another office of SELLER, and except as may occur in
connection with advertising or solicitations directed to the public generally. Business covered by
this prohibition includes treasury management services such as &#147;remote capture&#148;.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.06 <U>Establishment of Facilities by SELLER</U>.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Immediately following the last day SELLER operates the Office, as agreed to by BUYER
and SELLER, SELLER shall cease operating the Office and will vacate the premises. SELLER
may, at its own cost, remove all signs and other indicia of SELLER by the first business day
following the Closing Date. SELLER will patch or repair all surfaces surrounding signs it
removes. BUYER will remove, at its own expense, all signs SELLER chooses not to remove.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. SELLER further covenants that for a period of three years after the Closing Date
SELLER will not, and SELLER will not permit any of its affiliates to, establish or operate a
bank branch, loan production office, proprietary POS or ATM facility, or other facility at
which deposits are accepted or loans are made, within a five (5)&nbsp;mile radius of the Office.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">9.&nbsp;<B>TERMINATION</B>.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.01 <U>Termination by Mutual Agreement</U>. This Agreement may be terminated and the
transactions contemplated hereby may be abandoned by mutual consent authorized by a vote of a
majority of the Board of Directors (or by the vote of the Executive Committee of such Board, if so
empowered) of each of SELLER and BUYER.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.02 <U>Termination by SELLER</U>. This Agreement may be terminated and the transactions
contemplated hereby abandoned by SELLER:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. At any time on or prior to the Closing Date, if BUYER has, in any material respect,
breached (i)&nbsp;any covenant or undertaking contained herein or (ii)&nbsp;any representation or
warranty contained herein, and in either case such breach has not been cured by BUYER by the
earlier of 30&nbsp;days after the date on which notice pursuant to Section&nbsp;9.04 is given to BUYER
or the Closing Date;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In the event any of the conditions precedent specified in Section&nbsp;5.01 of this
Agreement has not been met as of the date required by this Agreement and, if not so met, has
not been waived by SELLER;
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. At any time, if any Regulatory Approvals required for consummation of the
Acquisition are denied by the applicable regulatory authority, and the time period for
appeals and requests for reconsideration has expired; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. In the event the Closing does not occur on or before December&nbsp;1, 2008, or such later
date as the parties may agree upon.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.03 <U>Termination by BUYER</U>. This Agreement may be terminated and the transactions
contemplated hereby abandoned by BUYER:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. At any time on or prior to the Closing Date, if SELLER has, in any material respect,
breached (i)&nbsp;any covenant or undertaking contained herein or (ii)&nbsp;any representation or
warranty contained herein, and in either case such breach has not been cured by SELLER by
the earlier of 30&nbsp;days after the date on which notice pursuant to Section&nbsp;9.04 is given to
SELLER or the Closing Date;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In the event any of the conditions precedent specified in Section&nbsp;5.02 of this
Agreement has not been met as of the date required by this Agreement and, if not so met, has
not been waived by BUYER;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. At any time, if any Regulatory Approvals required for consummation of the
Acquisition are denied by the applicable regulatory authority, and the time period for
appeals and requests for reconsideration has expired; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. In the event the Closing does not occur on or before December&nbsp;1, 2008, or such later
date as the parties may agree upon.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.04 <U>Notice of Termination</U>. To exercise the rights to terminate as provided in this
section, the exercising party must advise the other party in writing, which notice shall be
effective immediately upon its being delivered as referenced in Section&nbsp;10.04 hereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.05 <U>Effect of Termination</U>. The termination of this Agreement shall not release any
party hereto from any liability or obligation to the other party hereto arising from (i)&nbsp;a material
breach of any provision of this Agreement, or (ii)&nbsp;the failure of timely satisfaction of conditions
precedent to the obligations of a party for the purpose of causing the termination of this
Agreement. In the event that any such material breach or failure of timely satisfaction of
conditions precedent occurs, the party terminating this Agreement may recover from the other party
its reasonable and documented costs and expenses (including, without limitation, legal fees and
travel expenses) incurred in connection with the negotiation of this Agreement and preparation for
the Closing. The covenants of the parties in Article&nbsp;8 hereof with respect to confidentiality and
indemnification and in Section&nbsp;10.01 hereof with respect to payment of expenses shall survive any
termination of this Agreement.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">10. <B>MISCELLANEOUS PROVISIONS.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.01 <U>Expenses</U>. Except as and to the extent specifically allocated otherwise herein,
each of the parties hereto shall bear its own expenses, whether or not the transactions
contemplated hereby are consummated.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.02 <U>Certificates</U>. All statements contained in any certificate delivered by or on
behalf of SELLER or BUYER pursuant to this Agreement or in connection with the transactions
contemplated hereby shall be deemed to be representations and warranties of the party delivering
the certificate hereunder. Each such certificate shall be executed on behalf of the party
delivering the certificate by duly authorized officers of such party.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.03 <U>Waivers</U>. Each party hereto, by written instrument signed by duly authorized
officers of such party, may extend the time for the performance of any of the obligations or other
acts of the other party hereto and may waive, but only as affects the party signing such
instrument:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. any inaccuracies in the representations or warranties of the other party contained
or referred to in this Agreement or in any document delivered pursuant hereto;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. compliance with any of the covenants or agreements of the other party contained in
this Agreement;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. the performance (including performance to the satisfaction of a party or its
counsel) by the other party of such of its obligations set out herein;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. satisfaction of any condition to the obligations of the waiving party pursuant to
this Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.04 <U>Notices</U>. Any notice of other communication required or permitted pursuant to
this Agreement shall be effective only if it is in writing and delivered personally, by facsimile
transmission, or by registered or certified return receipt mail, postage prepaid, addressed as
follows:
</DIV>
<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">If to SELLER:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">Mr.&nbsp;Robert E. Beach<BR>
President and Chief Executive Officer<BR>
The Commercial Savings Bank<BR>
118 South Sandusky Avenue<BR>
Upper Sandusky, Ohio 43351
</DIV>


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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">With a copy to:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">John N. MacKay, Esquire<BR>
Shumaker, Loop &#038; Kendrick, LLP<BR>
1000 Jackson Street<BR>
North Courthouse Square<BR>
Toledo, Ohio 43604-5573<BR>
Fax: (419)&nbsp;241-6894
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">If to BUYER:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">Mr.&nbsp;Glenn E. Aidt<BR>
President &#038; Chief Executive Officer<BR>
Emerald Bank<BR>
6215 Perimeter Drive<BR>
Dublin, Ohio 43017
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">With a copy to:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">Mr.&nbsp;James R. Heslop, II<BR>
Executive Vice President/Chief Operating Officer<BR>
Middlefield Banc Corp.<BR>
15985 East High Street<BR>
P. O. Box 35<BR>
Middlefield, OH&nbsp; 44062
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">and to:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">Francis X. Grady, Esq.<BR>
Grady &#038; Associates<BR>
20950 Center Ridge Road, Suite&nbsp;100<BR>
Rocky River, Ohio 44116-4307
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">or to such other person or address as any such party may designate by notice to the other parties,
and shall be deemed to have been given as of the date received.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.05 <U>Parties in Interest; Assignment; Amendment</U>. This Agreement is binding upon and
is for the benefit of the parties hereto and their respective successors, legal representatives,
and assigns, and no person who is not a party hereto (or a successor or assignee of such party)
shall have any rights or benefits under this Agreement, either as a third party beneficiary or
otherwise. This Agreement cannot be assigned, and this Agreement cannot be amended or modified,
except by a written agreement executed by the parties hereto.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.06 <U>Headings</U>. The headings and table of contents used in this Agreement are
inserted for convenience of reference only and are not intended to be a part of or to affect the
meaning or interpretation of this Agreement.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.07 <U>Terminology</U>. The specific terms of art that are defined in various provisions
of this Agreement shall apply throughout this Agreement (including without limitation each Schedule
hereto), unless expressly indicated otherwise. In addition, the following terms and phrases shall
have the meanings set forth for purposes of this Agreement (including such Schedule):
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. the term &#147;business day&#148; shall mean any day other than a Saturday, Sunday, or a day
in which BUYER or SELLER is closed in accordance with the laws of this State or the United
States of America. Any action, notice, or right which is to be taken or given or which is
to be exercised or lapse on or by a given date which is not a business day may be taken,
given, or exercised, and shall not lapse, until the next business day following;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. the term &#147;affiliate&#146; shall mean, with respect to any person, any other person
directly or indirectly controlling, controlled by or under common control with such person;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The term &#147;Permitted Exceptions&#148; shall mean, with respect to the Owned Real Estate,
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the exceptions in a standard ALTA owner&#146;s title policy (Form&nbsp;2006) and
the standard Schedule&nbsp;B Exceptions. SELLER shall pay the fee charged by the
title insurer, if any, for &#091;1&#093;&nbsp;an affidavit sufficient to remove the exception
concerning mechanic&#146;s liens and for the deletion of taxes not shown on the
duplicate, &#091;2&#093; deleting the exception for matters not of public record that would
be disclosed by inspection; &#091;3&#093; deleting the exception for matters that would be
disclosed by survey; &#091;4&#093; deleting the exception for parties in possession other
than SELLER; and &#091;5&#093; deleting the exception for charges for services not
certified to the Tax Duplicate;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) real property taxes and assessments for the tax year of Closing and
prior years not then delinquent unless the validity thereof is being contested by
appropriate proceedings, provided however that if the taxes or assessments being
contested shall be finally determined to be proper liens by appropriate
proceedings then such liens shall be paid by SELLER;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) exceptions expressly approved by BUYER; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) liens, imperfections in title, charges, covenants, easements,
restrictions, encroachments and encumbrances of record which are not objected to
in writing by BUYER within 10&nbsp;days following BUYER&#146;s receipt of the Title
Commitment; provided however, that BUYER may not object to (A)&nbsp;liens, charges or
encumbrances which are dischargeable solely by the payment by SELLER of a
liquidated sum so long as such liens, charges and/or encumbrances are discharged
by SELLER at Closing, (B)&nbsp;matters of any nature of record which either are not
substantial in amount or do not materially and adversely interfere with the use
of the Owned Real Property as a retail
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->29<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 8%">bank branch, or (C)&nbsp;matters of any nature of record which are insured over by the
title insurer. BUYER may request that printed Exception (3)&nbsp;be deleted from the
Title Commitment at SELLER&#146;s expense at Closing, and BUYER shall pay the cost of
any survey necessary to delete said Exception 3.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. the term &#147;person&#148; shall mean any individual, corporation, partnership, association,
trust, or other entity, whether business, personal, or otherwise;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. unless expressly indicated otherwise in a particular context, the terms &#147;herein,&#148;
&#147;hereunder,&#148; &#147;hereto,&#148; &#147;hereof,&#148; and similar references refer to this Agreement in its
entirety and not to specific articles, sections, schedules, or subsections of this
Agreement. Unless expressly indicated otherwise in a particular context, references in this
Agreement to enumerated articles, sections, and subsections refer to designated portions of
this Agreement (but do not refer to portions of any Schedule unless such Schedule is
specifically referenced) and do not refer to any other document;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. the term &#147;Environmental Assessment&#148; means an ASTM Phase I Environmental Site
Assessment. After receiving the ASTM Phase I Environmental Site Assessment results, BUYER,
at BUYER&#146;s expense, may elect to conduct a Phase II Environmental Site Assessment, with the
written consent of SELLER, which consent shall not be unreasonably withheld, which shall be
conducted in a manner that does not interfere with or otherwise prevent the performance of
the normal operation and activities of the Office;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. the term &#147;Environmental Assessment Report&#148; shall mean the written report of the
person who has conducted the Environmental Site Assessment;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. the term &#147;Environmental Law&#148; shall mean any Law relating to the protection of the
environment or governing the use, storage, treatment, generation, transportation,
processing, handling, production, remediation, or disposal of any Hazardous Substance;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. the term &#147;Hazardous Substance&#148; shall mean any substance, material or waste, which is
or becomes designated, classified or regulated as being &#147;toxic&#148; or &#147;hazardous&#148; under any
law, or which is or becomes similarly designated, classified, or regulated under any Law
provided, that, Hazardous Substance shall not include commercially available consumer
products reasonably appropriate for use in or for routine maintenance or upkeep of a branch
office of a financial institution as long as such products are used in accordance with label
instructions; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. the term &#147;Law&#148; shall mean any federal, state or local law, statute, ordinance, or
regulation, and any written and publicly available policy, guideline, interpretation,
decision, order, or directive of any federal, state, or local governmental agency or
authority with respect thereto.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.08 <U>Press Releases</U>. SELLER and BUYER shall consult with one another concerning the
form and substance and timing of any press release of any matters relating to this Agreement;
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->30<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">provided, however, that nothing in this Section&nbsp;10.08 shall be deemed to prohibit any party
hereto from making any press release which its legal counsel deems necessary in order to fulfill
such party&#146;s disclosure obligations imposed by law, provided that such party provides advance
notice of such publication to the other party hereto.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.09 <U>Entire Agreement</U>. This Agreement supersedes any and all oral or written
agreements and understandings heretofore made relating to the subject matter hereof and contains
the entire Agreement of the parties relating to the subject matter hereof. All schedules, exhibits,
and appendices to this Agreement are incorporated into this Agreement by reference and made a party
hereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.10 <U>Governing Law</U>. This Agreement shall be governed by, and construed in accordance
with, the laws of the State of Ohio except to the extent, if any, precluded by federal law of
mandatory application.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.11 <U>Attorneys&#146; Fees</U>. In the event of any litigation arising in connection with this
Agreement, the prevailing party will be entitled to recover from the losing party, all costs
incurred in connection with such litigation including reasonable attorney&#146;s fees and costs and
attorneys&#146; fees on appeal.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.12 <U>Counterparts</U>. This Agreement may be executed in several counterparts, each of
which shall be deemed an original, but all of which together shall constitute one and the same
instrument.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->31<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed by their
respective officers thereunto duly authorized, all as of the date first above written.
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="48%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="46%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">ATTEST:</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left">THE COMMERCIAL SAVINGS BANK</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Its:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top">ATTEST:</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left">EMERALD BANK</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Its:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->32<!-- /Folio -->
</DIV>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>l31671aexv99w1.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML>
<HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Exhibit&nbsp;99.1</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><IMG src="l31671al3167101.gif" alt="(EMERALD BANK LOGO)">

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">6215 Perimeter Drive<BR>
Dublin, Ohio 43017<BR>
Phone: 614/793-4631 FAX: 614/793-8922<BR>
www.emeraldbank.com

</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Emerald Bank to Expand into Westerville, Ohio</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Dublin, Ohio &#150; May&nbsp;13, 2008 &#150; </B>Emerald Bank, a wholly owned subsidiary of Middlefield Banc Corp.
(Pink Sheet: MBCN) today announced the execution of a purchase and assumption agreement for all of
the deposits and certain other assets and liabilities of the Westerville, Ohio, branch of
Commercial Savings Bank, headquartered in Upper Sandusky, Ohio. The transaction has been approved
by the boards of directors of both companies.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">As of March&nbsp;31, 2008, Commercial Savings Bank&#146;s Westerville branch had approximately $6.5&nbsp;million
in deposits. Emerald Bank, one of the operating subsidiaries of Middlefield Banc Corp., had total
assets of $55.6&nbsp;million, deposits of $39.6&nbsp;million and loans of $48.6&nbsp;million. Emerald Bank
presently operates one full-service banking office in Dublin, Ohio.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Glenn Aidt, President of Emerald Bank, commented, &#147;We are excited to add a branch office location
and service-oriented staff in the Westerville market. We look forward to serving our new
customers. Beyond our office in Dublin and the ability to remotely capture deposits, our existing
customers will enjoy the convenience of another branch in the market.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Thomas Caldwell, President and Chief Executive Officer of Middlefield Banc Corp., continued, &#147;We
are moving forward with our strategy to increase our presence in the Columbus suburban markets,
building on the success of our existing branch operation in Dublin. Adding Westerville, Ohio,
builds our physical presence and provides a springboard for continued growth in the Columbus area.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">It is anticipated that the transaction will close in the fourth quarter of 2008 and is conditioned
upon receiving the requisite regulatory approvals. Stifel Nicolaus served as exclusive financial
advisor to Emerald Bank in the transaction and Grady &#038; Associates served as legal advisor. Keefe,
Bruyette &#038; Woods served as exclusive financial advisor to Commercial Savings Bank and Shumaker,
Loop &#038; Kendrick, LLP served as legal advisor.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Middlefield Banc Corp. is a financial holding company headquartered in Middlefield, Ohio. Its
subsidiary, The Middlefield Banking Company, operates full service banking centers and a UVEST
Financial Services<SUP style="font-size: 85%; vertical-align: text-top">&#174;</SUP> brokerage office serving Chardon, Garrettsville, Mantua, Middlefield, Newbury,
and Orwell, as well as a loan production office in Cortland, Ohio. On April&nbsp;19, 2007, Middlefield
Banc Corp. completed its acquisition of Emerald Bank, headquartered in Dublin, Ohio. Further
information is available at www.middlefieldbank.com.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Contact:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">James R. Heslop, 2nd
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Glenn E. Aidt</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Middlefield Banc Corp.
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Emerald Bank</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Vice President/Chief Operating Officer
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President and Chief Executive Officer</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(440) 632-1666 Ext. 3219
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(614) 793-4631</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">jheslop@middlefieldbank.com
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">gaidt@emeraldbank.com</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>



</BODY>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
