<SEC-DOCUMENT>0001070680-20-000027.txt : 20200602
<SEC-HEADER>0001070680-20-000027.hdr.sgml : 20200602
<ACCEPTANCE-DATETIME>20200602094854
ACCESSION NUMBER:		0001070680-20-000027
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20200602
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200602
DATE AS OF CHANGE:		20200602

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CENTRAL FEDERAL CORP
		CENTRAL INDEX KEY:			0001070680
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				341877137
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25045
		FILM NUMBER:		20935815

	BUSINESS ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085
		BUSINESS PHONE:		6143347979

	MAIL ADDRESS:	
		STREET 1:		C/O CFBANK
		STREET 2:		7000 N. HIGH ST.
		CITY:			WORTHINGTON
		STATE:			OH
		ZIP:			43085

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GRAND CENTRAL FINANCIAL CORP
		DATE OF NAME CHANGE:	19980918
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>cfbk-20200602x8k.htm
<DESCRIPTION>8-K
<TEXT>
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			8-K Cert of Amendent for non-voting common stock
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			<font style="display: inline;font-weight:bold;font-size:14pt;">SECURITIES AND EXCHANGE COMMISSION</font>
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			<font style="display: inline;font-weight:bold;font-size:14pt;">Washington</font><font style="display: inline;font-weight:bold;font-size:14pt;">, &nbsp;</font><font style="display: inline;font-weight:bold;font-size:14pt;">D.C.</font><font style="display: inline;font-weight:bold;font-size:14pt;"> 20549</font>
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			<font style="display: inline;font-weight:bold;font-size:14pt;">FORM 8-K</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;">CURRENT REPORT </font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;">Pursuant to Section 13 </font><font style="display: inline;font-weight:bold;font-size:10pt;">or</font><font style="display: inline;font-weight:bold;font-size:10pt;"> 15(d) of the Securities Exchange Act of 1934</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;">Date of Report (Date of earliest event reported</font><font style="display: inline;font-weight:bold;font-size:10pt;">): </font><font style="display: inline;font-weight:bold;font-size:10pt;">May 28</font><font style="display: inline;font-weight:bold;font-size:10pt;">, 2020</font>
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			<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">CENTRAL FEDERAL CORPORATION</font>
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			<font style="display: inline;font-size:10pt;">(Exact name of registrant as specified in its charter)</font>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">Delaware</font></p>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">0-25045</font></p>
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						<font style="display: inline;font-size:10pt;">(State or other jurisdiction of</font></p>
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						<font style="display: inline;font-size:10pt;">(Commission</font></p>
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						<font style="display: inline;font-size:10pt;">incorporation)</font></p>
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						&nbsp;</p>
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						&nbsp;</p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">7000 N. High Street, Worthington, Ohio</font></p>
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						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">43085</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-weight:bold;font-size:10pt;text-decoration:underline;">(614) 334-7979</font></p>
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					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(Address of principal executive offices)</font></p>
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					<p style="margin:0pt 0pt 0pt 9.9pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(Zip Code)</font></p>
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						<font style="display: inline;font-size:10pt;"> &nbsp;(Registrant&#x2019;s Telephone Number)</font></p>
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			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:100.00%;border-top:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt 36pt 0pt 0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(former name or former address, if changed since last report)</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Securities registered pursuant to Section 12(b) of the Act:</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse:collapse;width: 100.00%;margin-left:0pt;text-align:justify;text-justify:inter-ideograph;">
			<tr>
				<td valign="top" style="width:33.32%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
				</td>
				<td valign="top" style="width:19.62%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="top" style="width:47.06%;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:33.32%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Title of each class</font></p>
				</td>
				<td valign="top" style="width:19.62%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Trading Symbol(s)</font></p>
				</td>
				<td valign="top" style="width:47.06%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Name of each exchange on which registered</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="width:33.32%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Common Stock, $.01 par value</font></p>
				</td>
				<td valign="top" style="width:19.62%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">CFBK</font></p>
				</td>
				<td valign="top" style="width:47.06%;border-top:1pt solid #000000 ;border-left:1pt solid #000000 ;border-bottom:1pt solid #000000 ;border-right:1pt solid #000000 ;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">The NASDAQ Capital Market</font></p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt -36pt 0pt -18pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt -18pt 4pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font>
		</p>
		<p style="margin:0pt -18pt 2pt -13.7pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font><font style="display: inline;font-size:10pt;"> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font>
		</p>
		<p style="margin:0pt -36pt 0pt -18pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 0pt -18pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#xA7;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#xA7;240.12b-2 of this chapter).</font>
		</p>
		<p style="margin:0pt 0pt 6pt;text-indent: -9.35pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Emerging growth company </font><font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font>
		</p>
		<p style="margin:0pt 0pt 0pt -18pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </font><font style="display: inline;font-family:Segoe UI Symbol;font-size:10pt;">&#x2610;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			&nbsp;
		</p></div><div style="margin-left:72pt;margin-right:72pt;">
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt;font-family:Times New Roman;;font-size: 10pt"><font style="display: inline;font-weight:bold;font-size:10pt;">Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">On May 28, 2020, </font><font style="display: inline;font-size:10pt;">Central Federal Corporation (the &#x201C;Company&#x201D;) </font><font style="display: inline;font-size:10pt;">filed with </font><font style="display: inline;font-size:10pt;">the </font><font style="display: inline;font-size:10pt;">Delaware </font><font style="display: inline;font-size:10pt;">Secretary of State a&nbsp;Certificate of Amendment&nbsp;to the Company&#x2019;s Certificate of Incorporation, as amended&nbsp;</font><font style="display: inline;font-size:10pt;">(the &#x201C;Certificate of Amendment&#x201D;)</font><font style="display: inline;font-size:10pt;">, to create a class of non-voting common stock, par value $0.01 per share, of the Company </font><font style="display: inline;font-size:10pt;">(the &#x201C;</font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;">&#x201D;)</font><font style="display: inline;font-size:10pt;"> and to authorize 1,260,700 shares of Non-Voting Common Stock. As previously disclosed in the Company&#x2019;s Current Report on Form 8-K filed on May 28, 2020, the Certificate of Amendment was approved by the stockholders of the Company at the annual meeting of stockholders held on May 27, 2020. </font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Effective as of the close of business on May 28, 2020, a</font><font style="display: inline;font-size:10pt;">ll </font><font style="display: inline;font-size:10pt;">1,260,700</font><font style="display: inline;font-size:10pt;"> authorized</font><font style="display: inline;font-size:10pt;"> shares </font><font style="display: inline;font-size:10pt;">of Non-Voti</font><font style="display: inline;font-size:10pt;">ng Common Stock were issued upon conversion of the </font><font style="display: inline;color:#000000;font-size:10pt;">12,607</font><font style="display: inline;font-size:10pt;"> outstanding shares of the Company&#x2019;s</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">non-voting convertible perpetual preferred stock, series C, par value $0.01 per share (the &#x201C;Series C Preferred Stock</font><font style="display: inline;font-size:10pt;">&#x201D;). Pursuant to the terms of the Series C Preferred Stock</font><font style="display: inline;font-size:10pt;">, each outstanding share of Series C Preferred Stock converted automatically into 100 sh</font><font style="display: inline;font-size:10pt;">ares of Non-Voting Common Stock at such time.</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">The preferences, limitations, powers and relative rights of the </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> are set forth </font><font style="display: inline;font-size:10pt;">in the </font><font style="display: inline;font-size:10pt;">Certificate of Amendment</font><font style="display: inline;font-size:10pt;">, a summary of which follows:</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;color:#000000;font-size:10pt;text-decoration:underline;background-color: #FFFFFF;">Dividends</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">:&nbsp;</font><font style="display: inline;font-size:10pt;">The </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> will rank </font><font style="display: inline;font-style:italic;font-size:10pt;">pari passu</font><font style="display: inline;font-size:10pt;"> with </font><font style="display: inline;font-size:10pt;">the </font><font style="display: inline;font-size:10pt;">voting common stock</font><font style="display: inline;font-size:10pt;">, par value $0.01 per share, of the Company (the &#x201C;Common Stock&#x201D;)</font><font style="display: inline;font-size:10pt;"> with respect to the payment of </font><font style="display: inline;font-size:10pt;">Dividends (as defined in the Certificate of Amendment).</font><font style="display: inline;font-size:10pt;"> Accordingly, the holders of record of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> will be entitled to receive as, when,</font><font style="display: inline;font-size:10pt;"> and if declared by the Company&#x2019;s Board of Directors, D</font><font style="display: inline;font-size:10pt;">ividends</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">in the same per share amount as paid on the </font><font style="display: inline;font-size:10pt;">Common Stock, and no D</font><font style="display: inline;font-size:10pt;">ividends will be payable on the </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> or any other class or series of capital</font><font style="display: inline;font-size:10pt;"> stock ranking with respect to D</font><font style="display: inline;font-size:10pt;">ividends </font><font style="display: inline;font-style:italic;font-size:10pt;">pari passu</font><font style="display: inline;font-size:10pt;"> with the </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> unless a D</font><font style="display: inline;font-size:10pt;">ividend identical to that paid on the </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> is payable at the same time on the </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> in an amount per share of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> equal to th</font><font style="display: inline;font-size:10pt;">e product of (i) the per share D</font><font style="display: inline;font-size:10pt;">ividend declared and paid in respect of each share of </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> and (ii) the number of shares of </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> into which such share of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock </font><font style="display: inline;font-size:10pt;">is then convertible (without regard to any limitations on conversion of the </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;">); </font><font style="display: inline;font-size:10pt;text-decoration:underline;">provided</font><font style="display: inline;font-size:10pt;">, &nbsp;</font><font style="display: inline;font-size:10pt;text-decoration:underline;">however</font><font style="display: inline;font-size:10pt;">, that if a stock D</font><font style="display: inline;font-size:10pt;">ividend is declared on </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> payable solely in </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;">, the holders of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> will be entitled to a stock D</font><font style="display: inline;font-size:10pt;">ividend payable solely in shares of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;">. In the event that the Company&#x2019;</font><font style="display: inline;font-size:10pt;">s Board of Directo</font><font style="display: inline;font-size:10pt;">rs does not declare or pay any D</font><font style="display: inline;font-size:10pt;">ividends with respect to shares of </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;">, then the holders of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> wil</font><font style="display: inline;font-size:10pt;">l have no right to receive any D</font><font style="display: inline;font-size:10pt;">ividends. </font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;text-decoration:underline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;text-decoration:underline;">Voting Rights</font><font style="display: inline;font-size:10pt;">: &nbsp;</font><font style="display: inline;font-size:10pt;">The</font><font style="display: inline;font-size:10pt;"> holders of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> will not have any voting rights, except</font><font style="display: inline;font-size:10pt;"> (i)</font><font style="display: inline;font-size:10pt;"> as may otherwise from </font><font style="display: inline;font-size:10pt;">time to time be required by law and (ii) that </font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">the approval of the holders of a majority of the issued and outstanding shares of&nbsp;Non-Voting&nbsp;Common Stock will be required for the Company to take any of the following actions (including by means of merger, consolidation or otherwise): (a)&nbsp;</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">altering or changing</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;"> the rights, preferences, privileges or restrictions provided for the benefit of the holders of the&nbsp;Non-Voting&nbsp;Common Stock so as to affect them adversely; (b)&nbsp;</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">increasing or decreasing</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;"> the authorized number of shares of&nbsp;Non-Voting&nbsp;Common Stock; or (c</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">)&nbsp;entering </font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">into any agreement, merger or b</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">usiness consolidation, or engaging</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;"> &nbsp;i</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;">n any other transaction, or taking</font><font style="display: inline;color:#000000;font-size:10pt;background-color: #FFFFFF;"> any action that would have the effect of adversely changing any preference or any relative or other right provided for the benefit of the holders of the&nbsp;Non-Voting&nbsp;Common Stock.</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;text-decoration:underline;">Conversion</font><font style="display: inline;font-size:10pt;">: &nbsp;</font><font style="display: inline;font-size:10pt;">Each share of Non-Voting Common Stock will be convertible into one share of Common Stock, subject to adjustment as provided in the Certificate of Amendment, as follows:</font><font style="display: inline;font-size:10pt;">&nbsp;</font>
		</p>
		<p style="margin:0pt 0pt 0pt 36pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 0pt 36pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">(i)</font><font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 27pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">Each share of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">may be converted by the holder thereof into</font><font style="display: inline;font-size:10pt;">&nbsp;</font><font style="display: inline;font-size:10pt;">one share of </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> at any time or from time to time, provided that upon such conversion</font><font style="display: inline;font-size:10pt;"> the holder, together with all A</font><font style="display: inline;font-size:10pt;">ffiliates </font><font style="display: inline;font-size:10pt;">(as defined in the Certificate of Amendment) </font><font style="display: inline;font-size:10pt;">of the holder, </font><font style="display: inline;font-size:10pt;">will not own or control in the aggregate more than 9.9% of the </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;"> (or of any class of </font><font style="display: inline;font-size:10pt;">the Company&#x2019;s Voting Securities (as defined in the Certificate of Amendment)</font><font style="display: inline;font-size:10pt;">), excluding for the purpose of this calculation any reduction in ownership resulting from transfers by such holder of </font><font style="display: inline;font-size:10pt;">the Company&#x2019;s Voting Securities</font><font style="display: inline;font-size:10pt;"> (which, for the avoidance of doubt, does not include </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;">); or</font>
		</p>
		<p style="margin:0pt 0pt 0pt 36pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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		<p style="margin:0pt 0pt 0pt 36pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

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		</p>

</div>
		<p style="margin:0pt 0pt 0pt 36pt;text-indent:36pt;font-family:Times New Roman;;font-size: 10pt"><font style="display: inline;font-size:10pt;">(ii)</font><font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 24pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">Each share of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> will automatically convert into one share of </font><font style="display: inline;font-size:10pt;">Common Stock</font><font style="display: inline;font-size:10pt;">, without any further ac</font><font style="display: inline;font-size:10pt;">tion on the part of any holder</font><font style="display: inline;font-size:10pt;">, on the date a holder of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> transfers any shares of </font><font style="display: inline;font-size:10pt;">Non-Voting Common Stock</font><font style="display: inline;font-size:10pt;"> to a non-affiliate of the holder in a </font><font style="display: inline;font-size:10pt;">Permissible Transfer (as defined in the </font><font style="display: inline;font-size:10pt;">Certificate of Amendment).</font>
		</p>
		<p style="margin:12pt 0pt 0pt;text-indent:36pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;color:#000000;font-size:10pt;text-decoration:underline;">Redemption</font><font style="display: inline;color:#000000;font-size:10pt;">: The </font><font style="display: inline;color:#000000;font-size:10pt;">Non-Voting Common</font><font style="display: inline;color:#000000;font-size:10pt;"> Stock will not be redeemable by the Company or the holder.</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">T</font><font style="display: inline;font-size:10pt;">he foregoing description of the </font><font style="display: inline;font-size:10pt;">Certificate of Amendment</font><font style="display: inline;font-size:10pt;"> does not purport to be complete and is qualified in its entirety by reference to the full text of the Certificate of </font><font style="display: inline;font-size:10pt;">Amendment</font><font style="display: inline;font-size:10pt;">, a copy of which is included as Exhibit 3.1 to this Current Report on Form 8-K and incorporated by reference herein.</font><font style="display: inline;font-size:10pt;">.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">Item 9.01.&nbsp;&nbsp;Financial Statements and Exhibits</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-weight:bold;font-size:10pt;">&#xFEFF;</font>
		</p>
		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;margin-left:4.5pt;">
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:27.00pt;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 1pt">
						<font style="display: inline;font-size:1pt;">&#xFEFF;</font></p>
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden">
						&nbsp;</p>
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:306.00pt;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
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			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(a)</font></p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Not applicable</font></p>
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			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(b)</font></p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Not applicable</font></p>
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			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(c)</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 8pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Not applicable</font></p>
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			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">(d)</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 6pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;text-decoration:underline;">Exhibits</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
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			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td colspan="2" valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:427.50pt;padding:0pt 6.5pt">
					<p style="margin:0pt 0pt 6pt;font-family:Times New Roman;font-size: 10pt">
						<a href="cfbk-20200602xex3_1.htm" style="-sec-extract:exhibit"><font style="display: inline;font-size:10pt;">3.1</font></a><font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;"></font><a href="cfbk-20200602xex3_1.htm" style="-sec-extract:exhibit"><font style="display: inline;font-size:10pt;">Certificate of Amendment to Certificate of Incorporation of Central Federal Corporation filed </font><font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;">with the Delaware Secretary of State on May 28, 2020</font></a></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:27.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;width:306.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
			</tr>
		</table></div>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">

		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">2</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

		</p>

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div>
		<p style="margin:0pt;font-family:Times New Roman;;font-size: 10pt"><font style="display: inline;font-size:10pt;"></font>
		</p>
		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;text-decoration:underline;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">SIGNATURES</font>
		</p>
		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
			<font style="display: inline;font-size:10pt;">&#xFEFF;</font>
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		<div style="width:100%"><table cellpadding="0" cellspacing="0" style="border-collapse:collapse;width:495.00pt;margin-left:0pt;">
			<tr>
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					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:142.20pt;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:188.75pt;background-color: #auto;height:1.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;height:1.00pt;overflow:hidden;font-size:0pt;">
						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:142.20pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:188.75pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Central Federal Corporation</font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:135.90pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:142.20pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
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				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:188.75pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:135.90pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">Date:&nbsp; </font><font style="display: inline;font-size:10pt;">June </font><font style="display: inline;font-size:10pt;">2</font><font style="display: inline;font-size:10pt;">, 2020</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:142.20pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">By:</font></p>
				</td>
				<td valign="top" style="border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-right:1pt none #D9D9D9 ;width:188.75pt;background-color: #auto;padding:0pt 6.5pt">
					<p style="margin:0pt;border-bottom:1pt solid #000000 ;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">/s/ John W. Helmsdoerfer</font><font style="display: inline;font-size:10pt;;font-size: 10pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;"></font></p>
				</td>
			</tr>
			<tr>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;width:135.90pt;background-color: #auto;height:13.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">&#xFEFF;</font></p>
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				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:142.20pt;background-color: #auto;height:13.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
				</td>
				<td valign="top" style="border-right:1pt none #D9D9D9 ;border-left:1pt none #D9D9D9 ;border-bottom:1pt none #D9D9D9 ;border-top:1pt none #D9D9D9 ;width:28.15pt;background-color: #auto;height:13.00pt;padding:0pt 6.5pt">
					<p style="margin:0pt;font-family:Times New Roman;overflow: hidden;font-size:0pt;">
						&nbsp;</p>
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					<p style="margin:0pt;font-family:Times New Roman;font-size: 10pt">
						<font style="display: inline;font-size:10pt;">John W. Helmsdoerfer, CPA</font></p>
				</td>
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<DOCUMENT>
<TYPE>EX-3.1
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<DESCRIPTION>EX-3.1
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		<title>
			Exhibit 3.1
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	<body><div style="margin-left:72pt;margin-right:72pt;">
		<p style="margin:0pt -9pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 11pt">
			<a name="_GoBack"></a><font style="display: inline;font-weight:bold;font-size:11pt;text-decoration:underline;">Exhibit 3.1</font>
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			<font style="display: inline;font-size:11pt;">&#xFEFF;</font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-weight:bold;font-size:11pt;">CERTIFICATE OF AMENDMENT </font>
		</p>
		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-weight:bold;font-size:11pt;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;font-size:11pt;">TO THE </font><font style="display: inline;font-weight:bold;text-transform:uppercase;font-size:11pt;">Certificate of Incorporation&nbsp; </font>
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		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-weight:bold;font-size:11pt;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;font-size:11pt;">OF </font>
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			<font style="display: inline;font-weight:bold;font-size:11pt;">&#xFEFF;</font>
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			<font style="display: inline;font-weight:bold;text-transform:uppercase;font-size:11pt;">Central federal corporation</font>
		</p>
		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-weight:bold;font-size:11pt;">&#xFEFF;</font>
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		<p style="margin:0pt;text-indent:36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">Pursuant to the provisions of the Certificate of Incorporation and the Bylaws of the Corporation and applicable law, the Certificate of Incorporation of the Corporation is hereby amended to create a series of non-voting common stock, par value $0.01 per share, of the Corporation containing the designation and number of shares of such series, and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications, limitations and restrictions thereof, of the shares of such series, as follows:</font>
		</p>
		<p style="margin:0pt;text-indent:36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">&#xFEFF;</font>
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		<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">1.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Definitions</font><font style="display: inline;font-size:11pt;">.</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-weight:bold;font-size:11pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(a)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Affiliate</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in 12 C.F.R. Section&nbsp;225.2(a) or any successor provision.</font>
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		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(b) </font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Board of Directors</font><font style="display: inline;font-size:11pt;">&#x201D; means the board of directors of the Corporation.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(c)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;">&nbsp;</font><font style="display: inline;font-size:11pt;">A &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">business day</font><font style="display: inline;font-size:11pt;">&#x201D; means any day other than a Saturday or a Sunday or a day on which banks in Ohio are authorized or required by law, executive order or regulation to close.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(d)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Certificate</font><font style="display: inline;font-size:11pt;">&#x201D; means a certificate representing one (1) or more shares of Non-Voting Common Stock.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(e)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Certificate of Incorporation</font><font style="display: inline;font-size:11pt;">&#x201D; means the Certificate of Incorporation of the Corporation, as amended and in effect from time and time.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(f)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Common Stock</font><font style="display: inline;font-size:11pt;">&#x201D; means the voting common stock of the Corporation, par value $0.01 per share.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(g)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Corporation</font><font style="display: inline;font-size:11pt;">&#x201D; means Central Federal Corporation, a Delaware corporation.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(h)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Dividends</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section&nbsp;3.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(i)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Agent</font><font style="display: inline;font-size:11pt;">&#x201D; means Computershare Trust Company, N.A., solely in its capacity as transfer and exchange agent for the Corporation, or any successor transfer and exchange agent for the Corporation.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(j)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Cap</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section 5(b).</font>
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		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(k)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Cap Allocation Amount</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section 5(b).</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(l)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Cap Maximum</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section 5(b).</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(m)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Existing Buyer</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section 5(b).</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">

		</p>
		<p><font size="1"> </font></p><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">(n)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Liquidation Distribution</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section&nbsp;4(b).</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(o)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Non-Voting Common Stock</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section&nbsp;2.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(p)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Permissible Transfer</font><font style="display: inline;font-size:11pt;">&#x201D; means a transfer by the holder of Non-Voting Common Stock (i)&nbsp;to the Corporation; (ii)&nbsp;in a widely distributed public offering of Common Stock or Non-Voting Common Stock; (iii)&nbsp;that is part of an offering that is not a widely distributed public offering of Common Stock or Non-Voting Common Stock but is one in which no one transferee (or group of associated transferees) acquires the rights to receive two percent (2%) or more of any class of the Voting Securities of the Corporation then outstanding (including pursuant to a related series of transfers); (iv)&nbsp;that is part of a transfer of Common Stock or Non-Voting Common Stock to an underwriter for the purpose of conducting a widely distributed public offering; or (v)&nbsp;to a transferee that controls more than fifty percent (50%) of the Voting Securities of the Corporation without giving effect to such transfer.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(q)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Person</font><font style="display: inline;font-size:11pt;">&#x201D; means an individual, corporation, partnership, limited liability company, trust, business trust, association, joint stock company, joint venture, sole proprietorship, unincorporated organization, or any other form of entity not specifically listed herein.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(r)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Principal Market</font><font style="display: inline;font-size:11pt;">&#x201D; means the NASDAQ Capital Market.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(s)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">SPA</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in Section 5(b).</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(t)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Voting Security</font><font style="display: inline;font-size:11pt;">&#x201D; has the meaning set forth in 12 C.F.R. Section&nbsp;225.2(q) or any successor provision.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">2.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Designation; Number of Shares</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The class of shares of capital stock hereby authorized shall be designated as &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Non-Voting Common Stock</font><font style="display: inline;font-size:11pt;">&#x201D;.&nbsp;&nbsp;The number of authorized shares of the Non-Voting Common Stock shall be 1,260,700 shares.&nbsp;&nbsp;The Non-Voting Common Stock shall have $0.01 par value per share.&nbsp;&nbsp;Each share of Non-Voting Common Stock has the designations, preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, or terms or conditions of redemption as described herein.&nbsp;&nbsp;Each share of Non-Voting Common Stock is identical in all respects to every other share of Non-Voting Common Stock.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">3.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Dividends</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The Non-Voting Common Stock will rank </font><font style="display: inline;font-style:italic;font-size:11pt;">pari&nbsp;passu </font><font style="display: inline;font-size:11pt;">with the Common Stock with respect to the payment of dividends or distributions, whether payable in cash, securities, options or other property, and with respect to issuance, grant or sale of any rights to purchase stock, warrants, securities or other property (collectively, the &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Dividends</font><font style="display: inline;font-size:11pt;">&#x201D;).&nbsp;&nbsp;Accordingly, the holders of record of Non-Voting Common Stock will be entitled to receive as, when, and if declared by the Board of Directors, Dividends in the same per share amount as paid on the Common Stock, and no Dividends will be payable on the Common Stock or any other class or series of capital stock ranking with respect to Dividends </font><font style="display: inline;font-style:italic;font-size:11pt;">pari&nbsp;passu </font><font style="display: inline;font-size:11pt;">with the Common Stock unless a Dividend identical to that paid on the Common Stock is payable at the same time on the Non-Voting Common Stock in an amount per share of Non-Voting Common Stock equal to the product of (i)&nbsp;the per share Dividend declared and paid in respect of each share of Common Stock and (ii)&nbsp;the number of shares of Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock); </font><font style="display: inline;font-style:italic;font-size:11pt;">provided however</font><font style="display: inline;font-size:11pt;">, that if a stock Dividend is declared on Common Stock payable solely in Common Stock, the holders of Non-Voting Common Stock will be entitled to a stock Dividend payable solely in shares of Non-Voting Common Stock.&nbsp;&nbsp;Dividends that are payable on Non-Voting Common Stock will be payable to the holders of record of Non-Voting Common Stock as they appear on the stock register of the Corporation on the applicable record date, as determined by the Board of Directors, which record date will be the same as the </font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">2</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

		</p>

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">record date for the equivalent Dividend of the Common Stock.&nbsp;&nbsp;In the event that the Board of Directors does not declare or pay any Dividends with respect to shares of Common Stock, then the holders of Non-Voting Common Stock will have no right to receive any Dividends.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-indent: -36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">4.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 29.4pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Liquidation</font><font style="display: inline;font-size:11pt;">.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(a)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Rank</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The Non-Voting Common Stock will, with respect to rights upon liquidation, winding up and dissolution, rank (i)&nbsp;subordinate and junior in right of payment to all other securities of the Corporation that, by their respective terms, are senior to the Non-Voting Common Stock or the Common Stock, and (ii)&nbsp;</font><font style="display: inline;font-style:italic;font-size:11pt;">pari&nbsp;passu </font><font style="display: inline;font-size:11pt;">with the Common Stock.&nbsp;&nbsp;Not in limitation of anything contained herein, and for purposes of clarity, the Non-Voting Common Stock is subordinated to the general creditors and subordinated debt holders of the Company, and the depositors of the Company&#x2019;s bank subsidiaries, in any receivership, insolvency, liquidation or similar proceeding.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(b)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Liquidation Distributions</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;In the event of any liquidation, dissolution or winding up of the affairs of the Corporation, whether voluntary or involuntary, holders of Non-Voting Common Stock will be entitled to receive, for each share of Non-Voting Common Stock, out of the assets of the Corporation or proceeds thereof (whether capital or surplus) available for distribution to stockholders of the Corporation, subject to the rights of any Persons to whom the Non-Voting Common Stock is subordinate, a distribution (&#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Liquidation Distribution</font><font style="display: inline;font-size:11pt;">&#x201D;) equal to (i)&nbsp;any authorized and declared, but unpaid, Dividends with respect to such share of Non-Voting Common Stock at the time of such liquidation, dissolution or winding up, and (ii)&nbsp;the amount the holder of such share of Non-Voting Common Stock would receive in respect of such share if such share had been converted into shares of Common Stock at the then applicable conversion rate at the time of such liquidation, dissolution or winding up (assuming the conversion of all shares of Non-Voting Common Stock at such time, without regard to any limitations on conversion of the Non-Voting Common Stock).&nbsp;&nbsp;All Liquidation Distributions to the holders of the Non-Voting Common Stock and Common Stock set forth in clause&nbsp;(ii) above will be made pro&nbsp;rata to the holders thereof.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(c)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Merger, Consolidation and Sale of Assets Not Liquidation</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;For purposes of this Section&nbsp;4, the merger or consolidation of the Corporation with any other corporation or other entity, including a merger or consolidation in which the holders of Non-Voting Common Stock receive cash, securities or other property for their shares, or the sale, lease or exchange (for cash, securities or property) of all or substantially all of the assets of the Corporation, will not constitute a liquidation, dissolution or winding up of the Corporation.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-indent: -36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">5.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 29.4pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Conversion</font><font style="display: inline;font-size:11pt;">.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 72pt;text-indent: -36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(a)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 26.1pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">General</font><font style="display: inline;font-size:11pt;">.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 72pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(i)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">A holder of Non-Voting Common Stock shall be permitted to convert, or upon the written request of the Corporation shall convert, shares of Non-Voting Common Stock into shares of Common Stock at any time or from time to time, provided that upon such conversion the holder, together with all Affiliates of the holder, will not own or control in the aggregate more than nine point nine percent (9.9%) of the Common Stock (or of any class of Voting Securities issued by the Corporation), excluding for the purpose of this calculation any reduction in ownership resulting from transfers by such holder of Voting Securities of the Corporation (which, for the avoidance of doubt, does not include Non-Voting Common Stock), provided further that the right to convert under this Section 5(a)(i) shall not be available to a transferee of shares of Non-Voting Common Stock with respect to a transfer other than a Permissible Transfer.&nbsp;&nbsp;In any such conversion, each share of Non-</font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">3</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

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		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt 72pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">Voting Common Stock will convert initially into one (1)&nbsp;share of Common Stock, subject to adjustment as provided in Section&nbsp;6 below.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 72pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(ii)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">Each share of Non-Voting Common Stock will automatically convert into one (1)&nbsp;share of Common Stock, without any further action on the part of any holder, subject to adjustment as provided in Section&nbsp;6 below, on the date a holder of Non-Voting Common Stock transfers any shares of Non-Voting Common Stock to a non-affiliate of the holder in a Permissible Transfer.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 72pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(iii)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">To effect any permitted conversion under Section&nbsp;5(a)(i) or Section&nbsp;5(a)(ii), the holder shall surrender the certificate or certificates evidencing such shares of Non-Voting Common Stock, duly endorsed, at the registered office of the Corporation, and provide written instructions to the Corporation as to the number of whole shares for which such conversion shall be effected, together with any appropriate documentation that may be reasonably required by the Corporation.&nbsp;&nbsp;Upon the surrender of such certificate(s), the Corporation will issue and deliver to such holder (in the case of a conversion under Section&nbsp;5(a)(i)) or such holder&#x2019;s transferee (in the case of a conversion under Section&nbsp;5(a)(ii)) a certificate or certificates for the number of shares of Common Stock into which the Non-Voting Common Stock has been converted and, in the event that such conversion is with respect to some, but not all, of the holder&#x2019;s shares of Non-Voting Common Stock, the Corporation shall deliver to such holder a certificate or certificate(s) representing the number of shares of Non-Voting Common Stock that were not converted to Common Stock.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 72pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(iv)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">All shares of Common Stock delivered upon conversion of the Non-Voting Common Stock shall be duly authorized, validly issued, fully paid and non-assessable, free and clear of all liens, claims, security interests, charges and other encumbrances.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(b)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Principal Market Regulation</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;Notwithstanding anything herein to the contrary, the Company shall not issue any shares of Common Stock upon the conversion of the Non-Voting Common Stock if the issuance of such shares of Common Stock (taken together with each issuance of such shares of Common Stock (x) pursuant to the Securities Purchase Agreement, dated as of October 25, 2019, by and among the Company and the purchasers party thereto (the &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">SPA</font><font style="display: inline;font-size:11pt;">&#x201D;) and (y) upon the conversion of the Series C Preferred Stock in accordance with the Certificate of Incorporation or otherwise) would exceed 19.9% of the total outstanding shares of Common Stock of the Company, or more than 19.9% of the total voting power of the Company&#x2019;s securities, in each case immediately preceding the issuance of the shares of Common Stock and Series C Preferred Stock pursuant to the SPA (the number of shares which may be issued without violating such limitation, the &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Cap</font><font style="display: inline;font-size:11pt;">&#x201D;), except that such limitation shall not apply in the event that the Company (A) obtains the approval of its shareholders as required by the applicable rules of the Principal Market for issuances of shares of Common Stock in excess of such amount or (B) obtains a written opinion from outside counsel to the Company that such approval is not required, which opinion shall be reasonably satisfactory to the holder of the Series C Preferred Stock or Non-Voting Common Stock (as the case may be).&nbsp;&nbsp;Until such approval or such written opinion is obtained, (i) the holders of the Series C Preferred Stock and Non-Voting Common Stock (collectively, the &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exiting Buyers</font><font style="display: inline;font-size:11pt;">&#x201D; and each, individually, an &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Existing Buyer</font><font style="display: inline;font-size:11pt;">&#x201D;) shall not be issued in the aggregate, upon conversion of any Series C Preferred Stock or Non-Voting Common Stock, or otherwise pursuant to the terms of the SPA or the Certificate of Incorporation, shares of Common Stock in an amount greater than the difference between the Exchange Cap minus the aggregate number of shares of Common Stock issued pursuant to the SPA (the &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Cap Maximum</font><font style="display: inline;font-size:11pt;">&#x201D;) and (ii) no Existing Buyer shall be permitted to convert Series C Preferred Stock or Non-Voting Common </font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">4</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

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		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">Stock with respect to more than such Existing Buyer&#x2019;s pro rata amount of such Exchange Cap Maximum (such amount, with respect to each Existing Buyer, its &#x201C;</font><font style="display: inline;font-size:11pt;text-decoration:underline;">Exchange Cap Allocation Amount</font><font style="display: inline;font-size:11pt;">&#x201D;) determined based upon such Existing Buyer&#x2019;s percentage ownership of the sum of (1) the aggregate number of shares of Common Stock issued to all Purchasers that purchased Preferred Stock pursuant to this Agreement on the Closing Date plus (2) the aggregate number of shares of Common Stock issuable upon the conversion of all shares of Preferred Stock and/or Non-Voting Common Stock.&nbsp;&nbsp;In the event that such Existing Buyer shall sell or otherwise transfer any of such Existing Buyer&#x2019;s shares of Series C Preferred Stock or Non-Voting Common Stock, the transferee shall be allocated a pro rata portion of such Existing Buyer&#x2019;s Exchange Cap Allocation Amount with respect to such portion of such Series C Preferred Stock or Non-Voting Common Stock so transferred, and the restrictions of the prior sentence shall apply to such transferee with respect to the portion of the Exchange Cap Allocation Amount so allocated to such transferee. Upon conversion in full of such Existing Buyer&#x2019;s Series C Preferred Stock or Non-Voting Common Stock, the difference (if any) between such Existing Buyer&#x2019;s Exchange Cap Allocation Amount and the number of shares of Common Stock actually issued to such Existing Buyer upon such Existing Buyer&#x2019;s conversion in full of such Series C Preferred Stock or Non-Voting Common Stock shall be allocated to the respective Exchange Cap Allocation Amounts of the remaining Existing Buyers of Series C Preferred Stock or Non-Voting Common Stock on a pro rata basis in proportion to the relative Exchange Cap Allocation Amounts of such Existing Buyers.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(c) </font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Reservation of Shares Issuable Upon Conversion</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The Corporation will at all times reserve and keep available out of its authorized but unissued Common Stock solely for the purpose of effecting the conversion of the Non-Voting Common Stock such number of shares of Common Stock as will from time to time be sufficient to effect the conversion of all outstanding Non-Voting Common Stock; and if at any time the number of shares of authorized but unissued Common Stock will not be sufficient to effect the conversion of all then outstanding Non-Voting Common Stock, the Corporation will take such action as may, in the opinion of its counsel, be necessary to increase its authorized but unissued Common Stock to such number of shares as will be sufficient for such purpose.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(d)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">No Impairment</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The Corporation will not, by amendment of its Certificate of Incorporation or through any reorganization, transfer of assets, consolidation, merger, dissolution, issue or sale of securities or any other voluntary action, avoid or seek to avoid the observance or performance of any of the terms to be observed or performed hereunder by the Corporation, but will at all times in good faith assist in the carrying out of all the provisions of this Section&nbsp;5 and in the taking of all such actions as may be necessary or appropriate in order to protect the conversion rights of the holders of the Non-Voting Common Stock against impairment.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(e)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Compliance with Law</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;Prior to the delivery of any securities that the Corporation shall be obligated to deliver upon conversion of the Non-Voting Common Stock, the Corporation shall use its reasonable best efforts to comply with any federal and state laws and regulations thereunder requiring the registration of such securities with, or any approval of or consent to the delivery thereof by, any governmental authority.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(f)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Listing</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The Corporation hereby covenants and agrees that, if at any time the Common Stock shall be traded on any national securities exchange, the Corporation will, if permitted by the rules of such exchange, list and keep listed, so long as the Common Stock shall be so listed on such exchange, all the Common Stock issuable upon conversion of the Non-Voting Common Stock; provided, however, that if the rules of such exchange require the Corporation to defer the listing of such Common Stock until the first conversion of Non-Voting Common Stock into Common Stock in accordance with the provisions hereof, the Corporation covenants to list such Common Stock </font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

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			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">5</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

		</p>

		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

		</p>

</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">issuable upon conversion of the Non-Voting Common Stock in accordance with the requirements of such exchange at such time.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-indent: -36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">6.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 29.4pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Adjustments</font><font style="display: inline;font-size:11pt;">.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(a)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Combinations or Divisions of Common Stock</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;In the event that the Corporation at any time or from time to time will effect a division of the Common Stock into a greater number of shares (by stock split, reclassification or otherwise other than by payment of a Dividend in Common Stock or in any right to acquire the Common Stock), or in the event the outstanding Common Stock will be combined or consolidated, by reclassification, reverse stock split or otherwise, into a lesser number of shares of the Common Stock, then the dividend, liquidation, and conversion rights of each share of Non-Voting Common Stock in effect immediately prior to such event will, concurrently with the effectiveness of such event, be proportionately decreased or increased, as appropriate.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(b)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Reclassification, Exchange or Substitution</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;If the Common Stock is changed into the same or a different number of shares of any other class or classes of stock, whether by capital reorganization, reclassification or otherwise (other than a division or combination of shares provided for in Section&nbsp;6(a) above), (1)&nbsp;the conversion ratio then in effect will, concurrently with the effectiveness of such transaction, be adjusted so that each share of the Non-Voting Common Stock will be convertible into, in lieu of the number of shares of Common Stock which the holders of the Non-Voting Common Stock would otherwise have been entitled to receive, a number of shares of such other class or classes of stock equal to the product of (i)&nbsp;the number of shares of such other class or classes of stock that a holder of a share of Common Stock would be entitled to receive in such transaction and (ii)&nbsp;the number of shares of Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock) immediately before that transaction and (2)&nbsp;the Dividend and Liquidation Distribution rights then in effect will, concurrently with the effectiveness of such transaction, be adjusted so that each share of Non-Voting Common Stock will be entitled to a Dividend and Liquidation Distribution right, in lieu of with respect to the number of shares of Common Stock which the holders of the Non-Voting Common Stock would otherwise have been entitled to receive, with respect to a number of shares of such other class or classes of stock equal to the product of (i)&nbsp;the number of shares of such other class or classes of stock that a holder of a share of Common Stock would be entitled to receive in such transaction and (ii)&nbsp;the number of shares of Common Stock into which such share of Non-Voting Common Stock is then convertible (without regard to any limitations on conversion of the Non-Voting Common Stock) immediately before that transaction.</font>
		</p>
		<p style="margin:0pt 0pt 12pt 36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">(c)</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Certificates as to Adjustments</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;Upon the occurrence of each adjustment or readjustment pursuant to this Section&nbsp;6, the Corporation at its expense will promptly compute such adjustment or readjustment in accordance with the terms hereof and prepare and furnish to each holder of Non-Voting Common Stock a certificate executed by the Corporation&#x2019;s President (or other appropriate officer) setting forth such adjustment or readjustment and showing in detail the facts upon which such adjustment or readjustment is based.&nbsp;&nbsp;The Corporation will, upon the written request at any time of any holder of Non-Voting Common Stock, furnish or cause to be furnished to such holder a like certificate setting forth (i)&nbsp;such adjustments and readjustments, and (ii)&nbsp;the number of shares of Common Stock and the amount, if any, of other property which at the time would be received upon the conversion of the Non-Voting Common Stock.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">7.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Reorganization, Mergers, Consolidations or Sales of Assets</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;If at any time or from time to time there will be a capital reorganization of the Common Stock (other than a subdivision, combination, </font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">6</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

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		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

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</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">reclassification or exchange of shares otherwise provided for in Section&nbsp;6) or a merger or consolidation of the Corporation with or into another corporation, or the sale of all or substantially all the Corporation&#x2019;s properties and assets to any other Person, then, as a part of such reorganization, merger, consolidation or sale, provision will be made so that the holders of the Non-Voting Common Stock will thereafter be entitled to receive upon conversion of the Non-Voting Common Stock, the number of shares of stock or other securities or property of the Corporation, or of the successor company resulting from such merger or consolidation or sale, to which a holder of that number of shares of Common Stock deliverable upon conversion of the Non-Voting Common Stock would have been entitled to receive on such capital reorganization, merger, consolidation or sale (without regard to any limitations on conversion of the Non-Voting Common Stock).</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">8.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Redemption</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;Except to the extent a liquidation under Section 4 may be deemed to be a redemption, the Non-Voting Common Stock will not be redeemable at the option of the Corporation or any holder of Non-Voting Common Stock at any time.&nbsp;&nbsp;Notwithstanding the foregoing, the Corporation will not be prohibited from repurchasing or otherwise acquiring shares of Non-Voting Common Stock in voluntary transactions with the holders thereof, subject to compliance with any applicable legal or regulatory requirements, including applicable regulatory capital requirements.&nbsp;&nbsp;Any shares of Non-Voting Common Stock repurchased or otherwise acquired may be reissued as additional shares of Non-Voting Common Stock.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">9.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Voting Rights</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The holders of Non-Voting Common Stock will not have any voting rights, except as may otherwise from time to time be required by law.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">10.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Protective Provisions</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;So long as any shares of Non-Voting Common Stock are issued and outstanding, the Corporation will not (including by means of merger, consolidation or otherwise), without obtaining the approval (by vote or written consent) of the holders of a majority of the issued and outstanding shares of Non-Voting Common Stock, (i)&nbsp;alter or change the rights, preferences, privileges or restrictions provided for the benefit of the holders of the Non-Voting Common Stock so as to affect them adversely, (ii)&nbsp;increase or decrease the authorized number of shares of Non-Voting Common Stock or (iii)&nbsp;enter into any agreement, merger or business consolidation, or engage in any other transaction, or take any action that would have the effect of adversely changing any preference or any relative or other right provided for the benefit of the holders of the Non-Voting Common Stock.&nbsp;&nbsp;In the event that the Corporation offers to repurchase shares of Common Stock, the Corporation shall offer to repurchase shares of Non-Voting Common Stock pro&nbsp;rata based upon the number of shares of Common Stock such holders would be entitled to receive if such shares were converted into shares of Common Stock immediately prior to such repurchase.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">11.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Notices</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;All notices required or permitted to be given by the Corporation with respect to the Non-Voting Common Stock shall be in writing, and if delivered by first class United States mail, postage prepaid, to the holders of the Non-Voting Common Stock at their last addresses as they shall appear upon the books of the Corporation, shall be conclusively presumed to have been duly given, whether or not the holder actually receives such notice; provided, however, that failure to duly give such notice by mail, or any defect in such notice, to the holders of any stock designated for repurchase, shall not affect the validity of the proceedings for the repurchase of any other shares of Non-Voting Common Stock, or of any other matter required to be presented for the approval of the holders of the Non-Voting Common Stock.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">12.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Record Holders</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;To the fullest extent permitted by law, the Corporation will be entitled to recognize the record holder of any share of Non-Voting Common Stock as the true and lawful owner thereof for all purposes and will not be bound to recognize any equitable or other claim to or interest in such share or shares on the part of any other Person, whether or not it will have express or other notice thereof.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">13.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Term</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The Non-Voting Common Stock shall have perpetual term unless converted in accordance </font>
		</p>
		<p><font size="1"> </font></p><div style="width:100%">

		<p style="margin:0pt;text-align:center;font-family:Times New Roman;font-size: 12pt">

			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">7</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

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		<p style="margin:0pt 18pt 0pt 0pt;text-align:right;font-family:Times New Roman;font-size: 12pt">

			&nbsp;

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</div><hr size="3" style="color:#999999" width="100%" align="center"></hr><p style="page-break-after:always">&nbsp;</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;;font-size: 11pt"><font style="display: inline;font-size:11pt;">with Section&nbsp;5.</font>
		</p>
		<p style="margin:0pt 0pt 12pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">14.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Replacement Certificates</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;In the event that any Certificate will have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate to be lost, stolen or destroyed and, if required by the Corporation, the posting by such Person of a bond in such amount as the Corporation may determine is necessary as indemnity against any claim that may be made against it with respect to such Certificate, the Corporation or the Exchange Agent, as applicable, will deliver in exchange for such lost, stolen or destroyed Certificate a replacement Certificate.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">15.</font><font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;"></font><font style="display: inline;font-size:11pt;text-decoration:underline;">Other Rights</font><font style="display: inline;font-size:11pt;">.&nbsp;&nbsp;The shares of Non-Voting Common Stock have no preferences, conversion or other rights, voting powers, restrictions, limitations as to dividends, qualifications, or rights, other than as set forth herein or as provided by applicable law.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;;font-size: 11pt;font-family:Times New Roman;text-indent:0pt;margin-left:0pt;padding:0pt 36pt 0pt 0pt;"></font><font style="display: inline;font-size:11pt;">The undersigned hereby certifies that this Certificate of Amendment to the Certificate of Incorporation of the Corporation has been duly adopted in accordance with the applicable provisions of Section 242 of the General Corporation Law of the State of Delaware.</font>
		</p>
		<p style="margin:0pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">&#xFEFF;</font>
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		<p style="margin:0pt 0pt 12pt;text-indent:36pt;text-align:justify;text-justify:inter-ideograph;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">IN WITNESS WHEREOF, the Corporation has caused this Certificate to be duly executed by an authorized officer this 28</font><font style="display: inline;font-size:11pt;font-size:6pt;vertical-align:super;line-height:100%">th</font><font style="display: inline;font-size:11pt;"> day of May, 2020.</font>
		</p>
		<p style="margin:0pt 0pt 24pt 252pt;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">CENTRAL FEDERAL CORPORATION</font>
		</p>
		<p style="margin:0pt 0pt 0pt 252pt;font-family:Times New Roman;font-size: 11pt">
			<font style="text-indent:0pt;margin-left:0pt; padding-right:29.1pt;"><font style="display: inline;font-size:11pt;">By:</font><font style="display: inline;font-size:11pt;text-decoration:underline;"> &nbsp;&nbsp;&nbsp;/s/ Timothy T. O&#x2019;Dell</font></font><font style="text-indent:0pt;margin-left:0pt; padding-right:4pt;text-align:left"><font style="display: inline;font-size:11pt;text-decoration:underline;"></font></font>
		</p>
		<p style="margin:0pt 0pt 0pt 252pt;font-family:Times New Roman;font-size: 11pt">
			<font style="text-indent:0pt;margin-left:0pt; padding-right:15.5pt;"><font style="display: inline;font-size:11pt;">Name:</font></font><font style="text-indent:0pt;margin-left:0pt; padding-right:4pt;text-align:left"><font style="display: inline;font-size:11pt;">Timothy T. O&#x2019;Dell</font></font>
		</p>
		<p style="margin:0pt 0pt 0pt 252pt;font-family:Times New Roman;font-size: 11pt">
			<font style="text-indent:0pt;margin-left:0pt; padding-right:21.5pt;"><font style="display: inline;font-size:11pt;">Title:</font></font><font style="text-indent:0pt;margin-left:0pt; padding-right:4pt;text-align:left"><font style="display: inline;font-size:11pt;">Chief Executive Officer and President</font></font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-size:11pt;">&#xFEFF;</font>
		</p>
		<p style="margin:0pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&#xFEFF;</font>
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		<p style="margin:0pt -9pt 0pt 0pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&#xFEFF;</font>
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		<p style="margin:0pt 0pt 10pt;line-height:115%;font-family:Times New Roman;font-size: 11pt">
			<font style="display: inline;font-family:Calibri;font-size:11pt;">&#xFEFF;</font>
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		<p style="margin:0pt -9pt 0pt 288pt;font-family:Times New Roman;font-size: 12pt">
			<font style="display: inline;">&#xFEFF;</font>
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			<font style="display: inline;">-</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">8</font><font style="display: inline;font-size:10pt;"></font><font style="display: inline;font-size:10pt;">-</font>

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