<SEC-DOCUMENT>0001213900-14-006808.txt : 20140922
<SEC-HEADER>0001213900-14-006808.hdr.sgml : 20140922
<ACCEPTANCE-DATETIME>20140922164256
ACCESSION NUMBER:		0001213900-14-006808
CONFORMED SUBMISSION TYPE:	S-1
PUBLIC DOCUMENT COUNT:		8
FILED AS OF DATE:		20140922
DATE AS OF CHANGE:		20140922

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SB FINANCIAL GROUP, INC.
		CENTRAL INDEX KEY:			0000767405
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				341395608
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-1
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-198879
		FILM NUMBER:		141114393

	BUSINESS ADDRESS:	
		STREET 1:		401 CLINTON ST
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512
		BUSINESS PHONE:		4197838930

	MAIL ADDRESS:	
		STREET 1:		401 CLINTON STREET
		STREET 2:		PO BOX 467
		CITY:			DEFIANCE
		STATE:			OH
		ZIP:			43512

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RURBAN FINANCIAL CORP
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-1
<SEQUENCE>1
<FILENAME>fs12014_sbfinancial.htm
<DESCRIPTION>REGISTRATION STATEMENT
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>As filed with the Securities and Exchange
Commission on September 22, 2014</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.2pt 0 0; text-align: right"><B>Registration
No. 333-</B>&nbsp;</P>

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 13.2pt 0 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 12pt"><B>UNITED
STATES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 12pt"><B>SECURITIES
AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center"><FONT STYLE="font-size: 12pt"><B>FORM&nbsp;S-1</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 12pt"><B>REGISTRATION
STATEMENT UNDER THE SECURITIES ACT OF 1933</B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font: 16pt Times New Roman, Times, Serif"><B>SB
FINANCIAL GROUP, INC.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Exact name of Registrant as specified in its
charter)</P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 32%; text-align: center; border-bottom: Black 1.5pt solid"><B>Ohio</B></TD>
    <TD STYLE="width: 2%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 32%; text-align: center; border-bottom: Black 1.5pt solid"><B>6022</B></TD>
    <TD STYLE="width: 2%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 32%; padding-left: 21.7pt; text-align: center; border-bottom: Black 1.5pt solid"><B>34-1395608</B></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-right: 10pt; padding-left: 10pt; text-align: center">(State or other jurisdiction of<BR>
incorporation or organization)</TD>
    <TD></TD>
    <TD STYLE="vertical-align: top; padding-left: 0pt; text-align: center; text-indent: 0pt; padding-right: 0pt">(Primary Standard Industrial<BR>
Classification Code Number)</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding-left: 30.7pt; text-align: center">(I.R.S. Employer<BR>
Identification Number)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><B>401 Clinton Street</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><B>Defiance, Ohio 43512</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><B>(419)&nbsp;783-8950</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">(Address, including zip
code, and telephone number, including area code,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0">of Registrant&rsquo;s principal
executive offices)<FONT STYLE="font-size: 10pt"><B>&nbsp;&nbsp;</B></FONT></P>


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

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

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


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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; text-align: center"><B>Mark A. Klein</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><B>President and Chief Executive Officer</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><B>SB Financial Group, Inc.</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><B>401 Clinton Street</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><B>Defiance, Ohio 43512</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><B>(419)&nbsp;783-8950</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(Name, address, including zip code, and telephone number,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">including area code, of agent for service)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center">&nbsp;</P>

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

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

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

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


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center"><I>With copies to:</I></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 49%; text-align: center">Anthony D. Weis, Esq.</TD>
    <TD STYLE="vertical-align: bottom; width: 2%">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 49%; text-align: center">M. Patricia Oliver, Esq.</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: center">Vorys, Sater, Seymour and Pease LLP</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">Tucker Ellis LLP</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: center">52 East Gay Street</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">950 Main Avenue</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: center">P.O. Box 1008 </TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">Suite 1100</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: center">Columbus, Ohio 43216 </TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">Cleveland, Ohio 44113</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: center">(614) 464-6400&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: center">(216) 696-4149</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

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

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

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

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


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Approximate date of commencement of proposed sale to the
public:</B> As soon as practicable after the effective date of this Registration Statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">If any of the securities being registered on this Form are
to be offered on a delayed or continuous basis pursuant to Rule&nbsp;415 under the Securities Act of 1933, check the following
box:<FONT STYLE="font-family: Wingdings"> </FONT><FONT STYLE="font-family: Wingdings 2">&#83;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">If this Form is filed to register additional securities for
an offering pursuant to Rule 462(b) under the Securities Act, check the following box and list the Securities Act registration
statement number of the earlier effective registration statement for the same offering:<FONT STYLE="font-family: Wingdings"> o</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">If this Form is a post-effective amendment filed pursuant
to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the
earlier effective registration statement for the same offering:<FONT STYLE="font-family: Wingdings"> o</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">If this Form is a post-effective amendment filed pursuant
to Rule 462(d) under the Securities Act, check the following box and list the Securities Act registration statement number of the
earlier effective registration statement for the same offering:<FONT STYLE="font-family: Wingdings"> o</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">Indicate by check mark whether the registrant is a large
accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &ldquo;large
accelerated filer,&rdquo; &ldquo;accelerated filer&rdquo; and &ldquo;smaller reporting company&rdquo; in Rule 12b-2 of the Exchange
Act. (Check one):</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Large accelerated
    filer&nbsp;&nbsp;&#9744;&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Accelerated
filer&nbsp;&#9744;</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Non-accelerated
filer &#9744;<BR>
</FONT>(Do not check if a smaller reporting company)</P></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Smaller
reporting company&nbsp;&#9746;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"></P>



<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 0 0 0 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; padding: 0; text-indent: 0">Proposed Maximum</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; padding: 0 0 0 10pt; text-indent: -10pt">Title of each Class of Securities</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; padding: 0; text-indent: 0">Aggregate Offering</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; padding: 0; text-indent: 0">Amount of<BR>
Registration</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding: 0 0 0 10pt; text-indent: -10pt">to be Registered</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding: 0; text-indent: 0">Price (1)</TD><TD STYLE="padding: 0; font-weight: bold; text-indent: 0">&nbsp;</TD><TD STYLE="font-weight: bold; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding: 0; text-indent: 0"> Fee</TD><TD STYLE="padding: 0; font-weight: bold; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 76%; text-align: left; padding-top: 0; padding-right: 0; padding-left: 10pt; text-indent: -10pt">Depositary Shares of SB Financial Group, Inc. (each representing a 1/100th interest in a [&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series A, no par value)</TD><TD STYLE="width: 1%; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">$</TD><TD STYLE="width: 9%; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">15,000,000</TD><TD STYLE="width: 1%; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="width: 1%; padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="width: 1%; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">$</TD><TD STYLE="width: 9%; padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">1,932</TD><TD STYLE="width: 1%; padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-top: 0; padding-right: 0; padding-left: 10pt; text-indent: -10pt">[&#9679;]% Noncumulative Convertible Perpetual Preferred Shares, Series A, no par value (2)</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">-</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-align: right; text-indent: 0">-</TD><TD STYLE="padding-top: 0; padding-right: 0; padding-left: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0 0 0 10pt; text-indent: -10pt">Common Shares, no par value (3)</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding: 0; text-align: right; text-indent: 0">-</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; padding: 0; text-align: right; text-indent: 0">-</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding: 0 0 4pt 10pt; text-indent: -10pt">Total</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 0; padding-right: 0; border-bottom: Black 4pt double; padding-left: 0; text-indent: 0">$</TD><TD STYLE="text-align: right; padding-top: 0; padding-right: 0; border-bottom: Black 4pt double; padding-left: 0; text-indent: 0">15,000,000</TD><TD STYLE="text-align: left; padding: 0 0 4pt; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0 0 4pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-top: 0; padding-right: 0; border-bottom: Black 4pt double; padding-left: 0; text-indent: 0">$</TD><TD STYLE="text-align: right; padding-top: 0; padding-right: 0; border-bottom: Black 4pt double; padding-left: 0; text-indent: 0">1,932</TD><TD STYLE="text-align: left; padding: 0 0 4pt; text-indent: 0">&nbsp;</TD></TR>
</TABLE>



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    <TD STYLE="vertical-align: top; width: 5%; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 95%; padding-right: 6.25pt; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Estimated solely for the purpose of calculating the registration fee in accordance with Rule 457(o) under the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;). Pursuant to Rule 416 under the Securities Act, this registration statement also covers such indeterminate number of additional depositary shares, [&#9679;]% Noncumulative Convertible Perpetual Preferred Shares, or Series A Preferred Shares, and common shares that may become issuable due to adjustments for changes resulting from stock dividends, stock splits, recapitalizations, reorganizations, mergers, combinations, exchanges or similar transactions and events. </FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">(2)</FONT></TD>
    <TD STYLE="padding-right: 6.25pt; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">All of the Series A Preferred Shares offered hereby will be sold as fractional interests in the form of depositary shares. Each depositary share will be issued pursuant to a depositary agreement, will represent a 1/100th ownership interest in a Series A Preferred Share and will be evidenced by a depositary receipt. Each holder of a depositary share will be entitled to all proportional rights and preferences of the Series A Preferred Shares represented thereby.&nbsp;&nbsp;No separate consideration will be received for the Series A Preferred Shares issued by SB Financial Group, Inc. represented by the depositary shares and, therefore, no separate registration fee will be paid in respect of any such Series A Preferred Shares.</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">(3)</FONT></TD>
    <TD STYLE="padding-right: 6.25pt; padding-bottom: 6pt"><FONT STYLE="font-size: 10pt">Represents common shares issuable upon conversion of the Series A Preferred Shares. No additional consideration will be received for the common shares underlying the Series A Preferred Shares and, therefore, pursuant to Rule 457(i) under the Securities Act, no additional registration fee is required with respect to such common shares.</FONT></TD></TR>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>The Registrant hereby amends this Registration Statement on such
date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically
states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act
of 1933 or until the Registration Statement shall become effective on such date as the Commission acting pursuant to said Section
8(a), may determine.</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><BR CLEAR="ALL">
<FONT STYLE="color: #DE1A1E"><B>The information in this preliminary prospectus is not complete and may be changed. We may not
sell these securities until the registration statement filed with the Securities and Exchange Commission is effective. This preliminary
prospectus is not an offer to sell these securities and it is not soliciting an offer to buy these securities in any jurisdiction
where an offer or sale thereof is not permitted.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; color: #DE1A1E"><B>Subject to Completion, dated
September 22, 2014</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #DE1A1E"><B>&nbsp;</B></P>

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0">&nbsp;<IMG SRC="img02.jpg" ALT=""></P>

<P STYLE="font: 10pt Sans-Serif; margin: 0; text-align: center; color: Red"><B></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 12pt"><B>Up to 1,500,000
Depositary Shares Each Representing a 1/100th Interest in a</B><BR>
<B>[&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in">We are offering up to 1,500,000 depositary
shares, each representing a 1/100th ownership interest in a [&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series
A, of SB Financial Group, Inc. with a liquidation preference of $1,000.00 per share (equivalent to $10.00 per depositary share)
(the &ldquo;Series A Preferred Shares&rdquo;). We are offering the depositary shares for sale to the public in the following descending
order of priority: (1) to our existing shareholders; (2) to our customers and members of the communities we serve; and (3) to the
extent that depositary shares remain available for purchase, in a syndicated offering managed by Keefe, Bruyette &amp; Woods, Inc.
See &ldquo;Plan of Distribution &mdash; Offering Priorities.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in">We must sell a minimum of 1,000,000 depositary
shares to complete the offering. The minimum number of depositary shares you may purchase in the offering is 100 depositary shares.
The maximum number of depositary shares that you may purchase in the offering is the lesser of (i) 250,000 depositary shares or
(ii) the number of depositary shares, assuming conversion of such depositary shares into our common shares, whereby your total
beneficial ownership of our common shares (including any common shares currently owned) would not exceed 5% of our outstanding
common shares after the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in">The offering is expected to expire at
12:00 noon, Eastern Time, on [&#9679;], 2014. We may extend this expiration date without notice to you until [&#9679;], 2014. Once
submitted, orders are irrevocable. However, if the offering is extended beyond [&#9679;], 2014, or the number of depositary shares
to be sold is increased to more than 1,500,000 depositary shares or decreased to fewer than 1,000,000 depositary shares, we will
resolicit subscribers, giving them an opportunity to change or cancel their orders. Funds received during the offering will be
placed in a segregated account at U.S. Bank, which will serve as our escrow agent for the offering. If the closing of the offering
does not occur for any reason, the funds will be promptly returned without interest. <B>U.S. Bank is acting only as an escrow agent
in connection with the offering of securities described herein, and has not endorsed, recommended or guaranteed the purchase, value
or repayment of such securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in">As a holder of our depositary shares,
you will be entitled to all proportional rights, preferences and privileges of the Series A Preferred Shares, including dividend,
voting, conversion and liquidation rights. You must exercise these rights through the depositary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in">We expect to pay noncumulative dividends
on the Series A Preferred Shares (and, therefore, the depositary shares) at the rate of [&#9679;]% of the liquidation preference
per year. Such dividends will be payable quarterly in cash, when, as and if declared by our board of directors, on March 15, June
15, September 15 and December 15 of each year, commencing December 15, 2014. Dividends for the first dividend period ending December
15, 2014, if any, will be for less than a full quarter. If our board of directors does not declare a dividend for any quarterly
dividend period, you will not be entitled to receive any dividend for that quarterly dividend period and the undeclared dividend
will not accumulate.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 15; text-align: left; text-indent: 0.5in">Each depositary share will be convertible
at your option at any time into our common shares equal to the quotient achieved when $10.00 is divided by the conversion price
then in effect. The initial conversion price is $[&#9679;], which may be adjusted as described in this prospectus. <FONT STYLE="letter-spacing: -0.05pt">We
may, at our option, convert each depositary share into that number of our common shares equal to the quotient achieved when $10.00
is divided by the conversion price then in effect, on or after the fifth anniversary of the issue date of the Series </FONT>A<FONT STYLE="letter-spacing: -0.05pt">
Preferred Shares. We may exercise this option only if (i) the closing sale price for our common shares equals or exceeds 120% of
the conversion price then in effect for at least 20 trading days in a period of 30 consecutive trading days (including the last
trading day of such period) ending on the fifth trading day immediately prior to our issuance of a press release announcing our
exercise of this option; and (ii) we have paid full dividends on the depositary shares for four consecutive quarters prior to the
issuance of the press release.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 15; text-align: left; text-indent: 0.5in">All of the depositary shares we are selling
in this offering, and the common shares issued upon conversion of the depositary shares, if any, will be freely tradable without
restriction under the Securities Act of 1933, as amended, except for shares purchased by our &ldquo;affiliates.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 15; text-align: left; text-indent: 0.5in">We have applied for the depositary shares
to be listed on the NASDAQ Capital Market under the symbol &ldquo;____.&rdquo; If the application for listing is approved, trading
of the depositary shares is expected to commence within 30 days following the initial issuance of the depositary shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 15; text-align: left; text-indent: 0.5in">Our
common shares are currently listed on the NASDAQ Global Market under the symbol &ldquo;SBFG.&rdquo; The last reported sale price
of our common shares on the NASDAQ Global Market on September 19, 2014 was $9.15.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-right: 0; margin-bottom: 15; text-align: left; text-indent: 0.5in">Investing in our depositary shares
involves risks. You should read the &ldquo;Risk Factors&rdquo; section beginning on page 19 of this prospectus and in our Annual
Report on Form 10-K for the year ended December 31, 2013, before making a decision to invest in the depositary shares.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center">Per</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Total</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Depositary Share</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Minimum Offering</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Maximum Offering</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 64%; padding-left: 0pt">Public offering price</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">10.00</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">10,000,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">15,000,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -12.25pt; padding-left: 12.25pt">Placement agent fee in shareholder and customer/community offerings <SUP>(1)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 0pt">Placement agent fee in syndicated offering <SUP>(1)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt">Proceeds to us, before expenses </TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">[&#9679;]</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



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<TD STYLE="width: 5%"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="width: 95%"><FONT STYLE="font-size: 10pt">Represents fees payable to Keefe, Bruyette &amp; Woods, Inc. equal to </FONT>3.5<FONT STYLE="font-size: 10pt">%
of the aggregate dollar amount of depositary shares sold in the<I> </I>shareholder and customer/community offerings and </FONT>5.5<FONT STYLE="font-size: 10pt">%
of the aggregate dollar amount of depositary shares sold in the syndicated offering. We have assumed that </FONT>[&#9679;]<FONT STYLE="font-size: 10pt">%
of the depositary shares will be sold in the shareholder and customer/community offerings and </FONT>[&#9679;]<FONT STYLE="font-size: 10pt">%
of the depositary shares will be sold in the syndicated offering. See &ldquo;Plan of Distribution &mdash; Marketing and Distribution;
Compensation&rdquo; for a discussion of Keefe, Bruyette &amp; Woods, Inc.&rsquo;s compensation in this offering.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in"><B>None of the Securities and Exchange
Commission (the &ldquo;SEC&rdquo;), the Federal Deposit Insurance Corporation (the &ldquo;FDIC&rdquo;), the Board of Governors
of the Federal Reserve System (the &ldquo;Federal Reserve&rdquo;), any state or other securities commission or any other federal
or state bank regulatory agency has approved or disapproved of these securities or passed upon the adequacy or accuracy of this
prospectus. Any representation to the contrary is a criminal offense.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in"><B>The depositary shares are not savings
accounts, deposits or other obligations of any bank, thrift or other depositary institution and are not insured or guaranteed by
the FDIC or any other governmental agency or instrumentality.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 15; text-indent: 0.5in">The depositary shares are being offered
and sold in a best efforts underwritten offering. We are offering the depositary shares through a placement agent, Keefe, Bruyette
&amp; Woods, Inc. (&ldquo;KBW&rdquo;). KBW is not required to sell any specific number or dollar amount of depositary shares but
will use its best efforts to sell the depositary shares offered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will issue the depositary shares in book-entry
or uncertificated form, except under limited circumstances. Our depositary and transfer agent, Registrar and Transfer Company,
will deliver written confirmation to purchasers of depositary shares in the offering.</P>

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

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

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Keefe, Bruyette &amp; Woods</B></P>

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

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

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">The date of this prospectus is [&#9679;], 2014.</P>

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


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<P STYLE="margin: 0; font: 10pt Sans-Serif; color: Red">&nbsp;</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt; text-align: center"><A NAME="toc" TITLE="Table of Contents"></A><B>TABLE OF CONTENTS</B></P>

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



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%">
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 1pt; padding-left: 0.5in">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-top: 0in; border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>Page</B></FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="width: 94%; text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_001"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">ABOUT THIS PROSPECTUS</FONT></A></TD>
    <TD STYLE="width: 6%; text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">i</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_002"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">i</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_003"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">WHERE YOU CAN FIND MORE INFORMATION</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">ii</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_004"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">INCORPORATION OF CERTAIN INFORMATION BY REFERENCE</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">ii</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_005"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">SUMMARY</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_006"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">SUMMARY CONSOLIDATED FINANCIAL DATA</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">17</TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_007"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">RISK FACTORS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">19</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_008"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">DESCRIPTION OF THE OFFERING</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_009"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">USE OF PROCEEDS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">32</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_010"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">CAPITALIZATION</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">33</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_011"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">PRICE RANGE OF COMMON SHARES AND DIVIDENDS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_012"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">BUSINESS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">35</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_013"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">MANAGEMENT</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">43</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_014"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">BENEFICIAL OWNERSHIP OF COMMON SHARES</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">46</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_015"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">DESCRIPTION OF THE SERIES A PREFERRED SHARES</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">49</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_016"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">DESCRIPTION OF THE DEPOSITARY SHARES</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">59</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_017"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">DESCRIPTION OF COMMON SHARES</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">62</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_018"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">DESCRIPTION OF PREFERRED SHARES</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">66</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_019"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">68</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_020"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">CERTAIN ERISA CONSIDERATIONS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">72</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_021"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">PLAN OF DISTRIBUTION</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">74</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: White">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_022"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">LEGAL MATTERS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">79</FONT></TD></TR>
<TR STYLE="text-align: left; vertical-align: bottom; font: 10pt Calibri, Helvetica, Sans-Serif; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -0.5in; padding-top: 0in; padding-bottom: 0pt; padding-left: 0.5in"><A HREF="#a_023"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">EXPERTS</FONT></A></TD>
    <TD STYLE="text-align: right; padding-top: 0in; padding-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: normal 10pt Times New Roman, Times, Serif">79</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>


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<P STYLE="font: 10pt Cambria, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_001"></A>ABOUT THIS PROSPECTUS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">You should read this prospectus and the
additional information described under the headings &ldquo;Where You Can Find More Information&rdquo; and &ldquo;Incorporation
of Certain Information by Reference&rdquo; before you make a decision to invest in the depositary shares. In particular, you should
review the information under the heading &ldquo;Risk Factors&rdquo; set forth on page 19 of this prospectus and the information
under the heading &ldquo;Risk Factors&rdquo; included in our Annual Report on Form 10-K for the year ended December 31, 2013, which
is incorporated by reference herein. You should rely only on the information contained or incorporated by reference in this prospectus
and any related free writing prospectus required to be filed with the SEC. We have not authorized any person to provide you with
different or additional information. You should assume that the information in this prospectus, any such free writing prospectus
and the documents incorporated by reference herein and therein is accurate only as of its date or the date which is specified in
those documents. Our business, financial condition, results of operations and prospects may have changed since any such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Neither we nor the placement agent are
making an offer to sell the depositary shares (or the underlying Series A Preferred Shares) in any manner in which, or in any jurisdiction
where, the offer or sale thereof is not permitted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless the context otherwise requires,
references to &ldquo;SB Financial,&rdquo; the &ldquo;Company,&rdquo; &ldquo;we,&rdquo; &ldquo;our&rdquo; and &ldquo;us&rdquo; and
similar terms mean SB Financial Group, Inc. and its subsidiaries. Also, as used in this prospectus, &ldquo;State Bank&rdquo; refers
to our wholly-owned banking subsidiary, The State Bank and Trust Company.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 6pt 0 12pt; text-align: center"><A NAME="a_002"></A>CAUTIONARY NOTE REGARDING FORWARD-LOOKING
STATEMENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">This prospectus and the documents
incorporated by reference herein may contain &ldquo;forward-looking statements&rdquo; within the meaning of Section&nbsp;27A
of the Securities Act of 1933, as amended (the &ldquo;Securities Act&rdquo;), and Section&nbsp;21E of the Securities Exchange
Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;). Examples of forward-looking statements include: (a) projections of
income or expense, earnings per share, the payment or non-payment of dividends, capital structure and other financial items;
(b) statements of plans and objectives of the Company or our Board of Directors or management, including those relating to
products and services; (c) statements of future economic performance; (d) statements regarding future customer attraction or
retention; and (e) statements of assumptions underlying these statements. Forward-looking statements reflect our
expectations, estimates or projections concerning future results or events. These statements are generally identified by the
use of forward-looking words or phrases such as &ldquo;anticipates&rdquo;, &ldquo;believes&rdquo;, &ldquo;plans&rdquo;,
&ldquo;intends&rdquo;, &ldquo;expects&rdquo;, &ldquo;projects&rdquo;, &ldquo;estimates&rdquo;,
&ldquo;should&rdquo;, &ldquo;may&rdquo;, &ldquo;would be&rdquo;, &ldquo;will allow&rdquo;, &ldquo;will likely result&rdquo;,
&ldquo;will continue&rdquo;, &ldquo;will remain&rdquo;, or similar expressions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Forward-looking statements involve risks
and uncertainties. Actual results may differ materially from those predicted by the forward-looking statements because of various
factors and possible events, including those risk factors identified below. These risks and uncertainties include, but are not
limited to, risks and uncertainties inherent in the national and regional banking industry, changes in economic conditions in the
market areas in which the Company and its subsidiaries operate, changes in policies by regulatory agencies, changes in accounting
standards and policies, changes in tax laws, fluctuations in interest rates, demand for loans in the market areas in which the
Company and its subsidiaries operate, increases in FDIC insurance premiums, changes in the competitive environment, losses of significant
customers, geopolitical events, the loss of key personnel and other risks identified from time-to-time in the Company&rsquo;s other
public documents on file with the SEC, including those risks set forth under the section captioned &ldquo;Risk Factors&rdquo; in
this prospectus. There is also the risk that the Company&rsquo;s management or Board of Directors incorrectly analyzes these risks
and forces, or that the strategies the Company develops to address them are unsuccessful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The forward-looking statements included
or incorporated by reference in this prospectus are only made as of the date of this prospectus or the respective document incorporated
by reference herein, as applicable, and we disclaim any obligation to publicly update any forward-looking statement to reflect
subsequent events or circumstances, except as required by law. See the section captioned &ldquo;Where You Can Find More Information.&rdquo;
All subsequent written and oral forward-looking statements concerning the matters addressed in this prospectus and attributable
to us or any person acting on our behalf are qualified by these cautionary statements.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_003"></A>WHERE YOU CAN FIND MORE INFORMATION</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are subject to the informational
requirements of the Exchange Act and file with the SEC proxy statements, Annual Reports on Form 10-K, Quarterly Reports on Form
10-Q and Current Reports on Form 8-K, as required of a U.S. listed company. You may read and copy any document we file at the
SEC&rsquo;s public reference room at 100 F Street, N.E., Room 1580, Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330
for further information on the public reference room. Our SEC filings are also available to the public from the SEC&rsquo;s web
site at <U>www.sec.gov</U> or on our website at <U>www.yoursbfinancial.com</U>. However, the information on, or that can be accessible
through, our website does not constitute a part of, and is not incorporated by reference in, this prospectus. Written requests
for copies of the documents we file with the SEC should be directed to: SB Financial Group, Inc., P.O. Box 467, Defiance, Ohio
43512, Attention: Anthony V. Cosentino, telephone number (419)&nbsp;785-3663, email SBFG.IR@YourStateBank.com.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This prospectus is part of a registration
statement on Form S-1 filed by us with the SEC under the Securities Act. As permitted by the SEC, this prospectus does not contain
all the information in the registration statement filed with the SEC. For a more complete understanding of this offering, you should
refer to the complete registration statement, including exhibits, on Form S-1 that may be obtained as described above. Statements
contained in this prospectus about the contents of any contract or other document are not necessarily complete. If we have filed
any contract or other document as an exhibit to the registration statement or any other document incorporated by reference in the
registration statement, you should read the exhibit for a more complete understanding of the contract or other document or matter
involved. Each statement regarding a contract or other document is qualified in its entirety by reference to the actual contract
or other document.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_004"></A>INCORPORATION OF CERTAIN INFORMATION
BY REFERENCE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The SEC allows us to incorporate by reference
the information that we file with it, and the information incorporated by reference is an important part of this prospectus. We
incorporate by reference the following documents:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the Company&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2013;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the Company&rsquo;s Quarterly Report on Form 10-Q for the quarter ended March 31, 2014;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the Company&rsquo;s Quarterly Report on Form 10-Q for the quarter ended June 30, 2014;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the Company&rsquo;s Current Reports on Form 8-K filed on February 24, 2014, April 24, 2014 (with respect to information reported
under Item 5.07) and September 11, 2014; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the Company&rsquo;s Definitive Proxy Statement related to its 2014 annual meeting of shareholders, as filed with the SEC on
March 19, 2014.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Any statement contained in a document incorporated
by reference into this prospectus shall be deemed to be modified or superseded for purposes of this prospectus to the extent that
a statement contained herein or in any subsequently filed document that is also incorporated by reference in this prospectus modifies
or supersedes such statement. Any statement so modified or superseded shall not be deemed, except as so modified or superseded,
to constitute a part of this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We will provide without charge, upon
written or oral request, a copy of any or all of the documents that are incorporated by reference into this prospectus and a copy
of any or all other contracts or documents which are referred to in this prospectus. Requests should be directed to: SB Financial
Group, Inc., P.O. Box 467, Defiance, Ohio 43512, Attention: Anthony V. Cosentino, telephone number (419)&nbsp;785-3663, email SBFG.IR@YourStateBank.com.</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

<DIV STYLE="padding: 2px; border: Black 1.5pt solid; width: 99%">

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_005"></A><FONT STYLE="text-transform: uppercase">Summary</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><I>This summary highlights selected information
contained elsewhere or incorporated by reference in this prospectus. Because it is a summary, it may not contain all the information
that is important to you in making your investment decision to purchase the depositary shares. You should carefully read this entire
prospectus, as well as the information incorporated by reference herein, before deciding whether to invest in the depositary shares.
You should carefully consider the section entitled &ldquo;Risk Factors&rdquo; in this prospectus and the documents incorporated
by reference herein to determine whether an investment in the depositary shares is appropriate for you.</I></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left">The Company</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">SB Financial Group, Inc. (&ldquo;SB Financial&rdquo;)
is an Ohio corporation and a bank holding company registered under the Bank Holding Company Act of 1956, as amended. We were incorporated
under Ohio law in 1983, and we changed our name from Rurban Financial Corp. to SB Financial Group, Inc. effective April 18, 2013.
Through our wholly-owned subsidiaries, we are engaged in a variety of activities, including commercial and retail banking, item
processing, insurance, and wealth management and trust services.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our banking subsidiary, State Bank, is an Ohio
state-chartered bank that offers a full range of commercial banking services, including checking accounts, savings accounts, money
market accounts and time certificates of deposit; automatic teller machines; commercial, consumer, agricultural and residential
mortgage loans; personal and corporate trust services; commercial leasing; bank credit card services; safe deposit box rentals;
Internet and telephone banking; and other personalized banking services. The trust and financial services division of State Bank
offers various trust and financial services, including asset management services for individuals and corporate employee benefit
plans, as well as brokerage services through Cetera Investment Services, an unaffiliated company. State Bank presently operates
seventeen banking centers, all located within the Ohio counties of Allen, Defiance, Fulton, Lucas, Paulding, Wood and Williams,
and one banking center located in Allen County, Indiana. State Bank also presently operates three loan production offices, two
in Franklin County, Ohio and one in Steuben County, Indiana. At June 30, 2014, State Bank had 193 full-time equivalent employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our item processing subsidiary, Rurbanc Data
Services, Inc. dba RDSI Banking Systems (&ldquo;RDSI&rdquo;), has been in operation since 1964 and became an Ohio corporation in
June 1976. RDSI has one operating location in Defiance, Ohio. In September 2006, RDSI acquired Diverse Computer Marketers, Inc.
(&ldquo;DCM&rdquo;) which was merged into RDSI effective December 31, 2007 and now operates as a division of RDSI doing business
as &ldquo;DCM&rdquo;. DCM has one operating location in Lansing, Michigan providing item processing and related services to community
banks located primarily in the Midwest. At June 30, 2014, RDSI had 8 full-time equivalent employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our principal executive offices are located
at 401 Clinton Street, Defiance, Ohio 43512, and our telephone number is (419) 783-8950. Our website address is <U>www.yoursbfinancial.com</U>.
The information on our website is not a part of or incorporated by reference in this prospectus.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are a diversified financial services holding
company with total consolidated assets of approximately $662.5 million, total net loans of approximately $499.6 million, total
deposits of approximately $524.1 million and total shareholders&rsquo; equity of approximately $59.0 million at June 30, 2014.
Through our banking subsidiary, State Bank, we provide a full range of financial services for consumers and small businesses, including
wealth management, mortgage banking and commercial and agricultural lending, through 16 banking centers in seven Northwest Ohio
counties and one center in Fort Wayne, Indiana, as well as three loan production offices, two located in Columbus, Ohio, and one
in Angola, Indiana. Through RDSI, we provide item processing services to 23 community banks located primarily in the Midwest.</P>

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

</DIV>

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

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

<DIV STYLE="padding: 2px; border: Black 1.5pt solid; width: 99%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our focus and strategic goal is to grow
our organization into a top-quartile performing financial services company. The following is a summary of the key initiatives
that we have adopted for the next three years to achieve our strategic goal:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Increase profitability through
ongoing diversification of revenue streams.</I></B><I> </I>For the six months ended June 30, 2014, the Company generated
approximately 37% of our revenue from &ldquo;fee-based&rdquo; business lines and other noninterest income. These revenue sources
include fees generated from retail deposit products, assets under management (AUM) in State Bank&rsquo;s wealth management division,
saleable residential mortgage loans, saleable business-based loans (SBA and FSA), and fees generated by RDSI, our wholly-owned
item processing subsidiary. The following is a break-down of our non-interest income sources for the six months ended June 30,
2014:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Deposit Products &ndash; 22%</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Assets Under Management (AUM) Fees &ndash; 22%</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Mortgage Lending &ndash; 37%</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Data Service &ndash; 11%</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Other &ndash; 8%</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">During 2014, we restructured the retail
deposit products offered by State Bank to generate additional revenue and further increase our non-interest income while streamlining
our product offerings. As part of this initiative, we launched four new Rewards Checking products in January 2014, and we migrated
all of our retail checking accounts from 22 existing products to the four new Rewards Checking products in June 2014. Our new
Rewards Checking product lineup provides State Bank the opportunity to reward its customers with ATM refunds, cash back and higher
interest-rates if they use certain qualifying products and services (such as electronic banking) or if they maintain certain relationship
balances. Customers who do not meet the utilization or balance requirements under the new Rewards Checking products are required
to pay a monthly service fee. We plan to implement a similar strategy in the business account sector during the fourth quarter
of 2014 to more efficiently and effectively service our approximately 3,000 commercial demand deposit accounts.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In our wealth management division, our
assets under management (AUM) at December 31, 2013 were $345.5<B> </B>million, generating $2.7 million in revenue, or 0.79% of
average AUM, during the year ended December 31, 2013. We have experienced modest growth in our AUM over the past five years, increasing
from $278.1 million at December 31, 2008 to $345.5 million at December 31, 2013, although our AUM decreased to $332.3 million at
June 30, 2014. We are focused on increasing our efforts to grow this business line in each of our newer, higher-growth markets
like Toledo and Columbus, Ohio and Ft. Wayne, Indiana, where our current market penetration is minimal. In the second quarter of
this year, we added a seasoned executive to reorganize our wealth management division, drive sales leadership and grow AUM.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In 2006, State Bank&rsquo;s servicing
portfolio of sold residential mortgage loans totaled $26 million. As of June 30, 2014, this portfolio stands at $627 million and
generates approximately $1.6 million in revenue annually. The increase in our residential mortgage loan volume has not only delivered
progressively more non-interest income, but it has been and continues to be critical to expanding our franchise by providing a
gateway into new households for which we can potentially deliver additional financial services such as retail deposit products,
home equity lines of credit and credit cards. During the first six months of 2014, only 5% of our $100 million residential mortgage
loan volume came from refinancing current clients. In contrast, during 2013, over 19% of our volume came from refinanced loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">A strategy we have embraced, and one
that has begun to yield results, is the production and sale of government guaranteed loans, including SBA and FSA guaranteed loans.
In 2013, our gains on sale of these loans were $585,000. For the first six months of 2014, our gains on sale of these loans are
significantly lower at $107,000, but we have a pipeline of approximately $5 million that has the potential to generate additional
gains of approximately $400,000, or in aggregate, $507,000 during 2014. We remain committed to growing this area of non-interest
income and have dedicated additional personnel and resources to building this key piece of our business. These programs provide
us the opportunity to continue to grow and diversify top-line revenue while also providing yet another service to clients to aid
them in their own growth.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">RDSI currently generates
approximately $1.6 million in annualized fee-based revenue, based on year to date revenue as of June 30, 2014. These fees
originate from servicing 23 client banks&rsquo; item processing needs and from converting electronic sources of data to paper
statements for customers of our client banks. Prior to 2010, RDSI was a third-party data services provider for 70+ clients,
which included network services. However, due to a failed divestiture in 2010, RDSI was unable to continue providing data
processing and network services. This loss of data processing and network service clients and business resulted in a
substantial reduction in RDSI&rsquo;s revenue from its peak of $20.2 million in 2008 to the $1.6 million annual revenue
business it represents as of June 30, 2014.</P>

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

</DIV>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12 0 12pt; text-indent: 0.5in">Collectively, the foregoing lines of
business (<I>i.e.</I>, fee-based products and other noninterest income) have generated, on average, 47% of the Company&rsquo;s
total consolidated revenue over the last five years (2009 &ndash; 2013). In view of the challenges associated with the decline
of traditional net interest margins, we seek to continue to strengthen our position as a leader, among peers, in generating non-interest
income.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Continued growth and diversification
of our loan portfolio</I></B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our loan portfolio over the last several
years has grown as follows:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">Loan Growth by Loan Type</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="text-align: center">(Dollars in thousands)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Six months ended June 30,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Year ended December 31,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">(unaudited)</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: left">Loan Type</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; text-align: left">Commercial real estate</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">10,523</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">(1,596</TD><TD STYLE="width: 1%; text-align: left">)</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">3,909</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">13,563</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">9,939</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Residential real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,434</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,433</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11,761</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">203</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,881</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Commercial (1)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,056</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,312</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,877</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,680</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,598</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Consumer &amp; Other</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,546</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,779</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,567</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(526</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,007</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Agriculture</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,265</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(3,724</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(3,066</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,915</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,401</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Portfolio Growth (%)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.7</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.5</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>







<P STYLE="margin: 0"></P>


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

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

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 5%"><FONT STYLE="font-size: 10pt">(1)</FONT></TD>
    <TD STYLE="width: 95%">Includes deferred loan fees, premiums and discounts.</TD></TR>
</TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The above loan growth (less loans held-for-sale
and in process) originated from the following markets (in thousands):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">Loan Growth by Market</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="text-align: center">(Dollars in thousands)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Six months ended June 30,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Year ended December 31,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold"></TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">(unaudited)</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold">Market</TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; text-align: left">Toledo Region</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">5,108</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">(1,423</TD><TD STYLE="width: 1%; text-align: left">)</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">11,188</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">6,398</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">(3,783</TD><TD STYLE="width: 1%; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Fulton/Williams Region</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,450</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(3,886</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,971</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(4,997</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,973</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Defiance/Paulding Region</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,352</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,933</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,553</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,831</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,363</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Ft. Wayne Region</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,752</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,788</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(4,138</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(111</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,914</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Lima Region</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,354</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(6,002</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(8,258</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,356</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,936</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Columbus Region</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,020</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,812</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,646</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8,358</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,435</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Portfolio Growth (%)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.1</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.0</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.7</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.5</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>



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

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

</DIV>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<DIV STYLE="padding: 2px; border: Black 1.5pt solid; width: 99%">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are focused on growing our loan portfolio
not only in each of our more traditional markets (Northwest Ohio) but also in our newer, lower-share markets (Toledo, Ft. Wayne,
and Columbus) which have higher growth potential. Our strategy has been to place higher-level market leaders in these distinctly
unique markets with the expectation that a decentralized delivery of holistic client care will produce progressively better results
than that of larger regional competitors who deploy a more centralized managerial approach. Our Columbus and Toledo Regions have
comprised the majority of our loan growth in the past few years and have been a key initiative in the growth of our loan portfolio.
Our expansions into each market have been key to our ability to grow our loan portfolio. We have also realized growth in some
of our core markets, most notably in our Defiance/Paulding Region, since 2011, as reflected the table above. In addition to the
diversity of growth across geographic regions, we have realized growth in a variety of loan segments, particularly as the economy
continues to emerge from the financial crisis of a few years ago complementing our already diverse loan portfolio.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In addition to the segment and market
growth identified above, a key initiative over the last several years has been to identify, originate and sell government enhanced
credits. These include residential real estate loans for the secondary market, business loans enhanced with SBA guarantees and
long-term agriculture credits bearing an FSA endorsement. This strategy has played a significant role in enabling us to deliver
non-interest income for the six months ended June 30, 2014, as a percentage of total revenue, of approximately 37%. The following
table identifies gross loans originated in our markets.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="font-weight: bold; text-align: center">Loan Sale Gains by Type of Loan Sold</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="text-align: center">(Dollars in thousands)</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD COLSPAN="21" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Six months ended June 30,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Year ended December 31,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold"></TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">(unaudited)</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold">Loan Type</TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 40%; padding-left: 0pt">Residential</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,783</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">2,934</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">5,066</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">6,284</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">3,620</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 0pt">SBA</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">358</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">90</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">71</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1.5pt; padding-left: 0pt">FSA</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">88</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">213</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">227</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">174</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">137</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0pt; padding-bottom: 4pt">Total Gains</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">1,890</TD><TD STYLE="text-align: left; padding-bottom: 4pt">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">3,172</TD><TD STYLE="text-align: left; padding-bottom: 4pt">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">5,651</TD><TD STYLE="text-align: left; padding-bottom: 4pt">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">6,548</TD><TD STYLE="text-align: left; padding-bottom: 4pt">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">3,828</TD><TD STYLE="text-align: left; padding-bottom: 4pt">&nbsp;</TD></TR>
</TABLE>




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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Strengthen our penetration in all
markets served</I>.</B> Our deposit market share is approximately as follows for the counties currently served by State Bank:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; border-bottom: Black 1.5pt solid">County</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Deposit Market Share</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; text-align: left">Defiance County (Ohio)</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: center">23.2%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Paulding County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">21.0%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Williams County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">15.3%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Fulton County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">6.9%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Wood County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">4.6%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Allen County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">2.2%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Lucas County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">0.2%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Allen County (Indiana)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">0.1%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Franklin County (Ohio)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">0.0%</TD></TR>
</TABLE>



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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0"><I>Source: FDIC Deposit Market Share Report (June
30, 2013).</I></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Over our 112-year history of continuous
operation in Northwest Ohio, we have established a significant presence in our traditional markets in Defiance, Paulding, Fulton
and Williams Counties in Ohio. Conversely, in our newer markets like Allen County (Ft. Wayne, Indiana), Franklin County (Columbus,
Ohio), and Wood and Lucas Counties (Toledo, Ohio), our current market penetration is minimal but we believe our potential for growth
is significant. In addition to our focus on increasing our lending, as discussed above, our goal is to continue to increase our
deposit market share, particularly in our newer markets, with an emphasis on attracting the more traditional, lower-cost transactional
deposit accounts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Expand product service utilization
by new and existing clients</I>. </B>A key strategy for our Company is to continue to deepen our relationship with each of our
clients. As of June 30, 2014, we served 27,910 households and provided 68,659 services for a services-per-household (SPH) of 2.46.
Our strategy is to continue to expand the scope of our relationship with each client household and increase our SPH. An initiative
we have implemented this year to execute on this strategy is the appointment of a &ldquo;Client Experience Officer.&rdquo; The
primary role for this new management position is for the Client Experience Officer to work interdependently with each of our business
line leaders and regional executives in order to optimize the potential number of SPH. Should our efforts fall short on cross-sells
at account inception, our dynamic &ldquo;on-boarding&rdquo; process, led by our Client Experience Officer, is tasked with bridging
the gap. We have implemented well-defined parameters for methodical client contact to enable us to grow our franchise in our more
mature, traditional markets. As of June 30, 2014, we had increased our number of households served to 27,910; up from 27,196 at
year-end 2013.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Proactively identifying client
needs is a key ingredient of our value proposition. Over the past several years, our State Bank team has adopted a
&ldquo;holistic&rdquo; approach to client care. To this end, we are focused on providing 100% of our clients&rsquo; financial
service needs. On average, over a six-year timeframe (2008 &ndash; 2013), we have identified 2,091 referrals to related lines
of business, closed 885  of these referrals and generated  approximately $64.8 million in bank business (loans, deposits,
AUM) from these referrals. During the first six months of 2014, we identified 1,003 referrals, closed 453 of these referrals
and generated approximately $17.8 million in new bank business  (loans, deposits,
AUM) from these referrals. Our culture and commitment to client care drives our passion
for improving both the scale and scope of our operation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Deliver gains in operational excellence.
</I></B>One of the key strategic themes identified by our management is to seamlessly and consistently deliver operational excellence.
By executing on this theme, we believe that we are better positioned to deliver our vision of becoming and remaining a high-performance
(<U>&gt;</U>75<SUP>th</SUP> Percentile) financial services company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">At December 31, 2006, we serviced approximately
$26 million in sold residential mortgage loans. As of June 30, 2014, we serviced 4,710 sold residential mortgage loans totaling
over $627 million. We have established State Bank as a leader in our area in the origination of saleable residential mortgage loans
and have put in place the support staff that we believe will sustain this initiative.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We continue to reassess our retail delivery
channels. Since 2006, we have closed six retail offices as in-store transactions declined, on average, from over 100,000 to less
than 74,000 monthly. Conversely, we have increased our investment in our electronic banking platform, which has yielded nearly
300,000 transactions monthly during the first six months of 2014, up from 225,000 transactions monthly for the first six months
of 2011. This more cost-effective delivery channel provides the foundation for operational excellence with a more dynamic, robust,
anywhere-anytime banking platform.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Sustain our asset quality</I>.</B>
Asset quality is and continues to be the centerpost for all other initiatives at SB Financial. For the Company to become a top-quartile
performing financial services company, it is imperative that we achieve and maintain top-quartile asset quality metrics. Reflecting
our top-quartile performance, as of June 30, 2014, our nonperforming assets stood at $6.2 million, or 0.93% of total assets, our
past due loans (past due 30 days or more) were 0.59% of total loans, and our loan loss reserve was 116% of non-performing loans.
In addition, our net charge-offs for the first six months of 2014 totaled $546,000, or 0.22% annualized of total loans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We believe that continued loan growth
is critical for performance improvement at State Bank. Through the first six months of 2014, our organic loan growth (less held-for-sale
mortgages) was $29 million, or 12% annualized over year-end. To ensure our portfolio performance remains a strength of our company,
our loan quality officer annually reviews each relationship with aggregate debt greater than $250,000.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Improve efficiency and leverage
our current expense structure</I>.</B> With our current 16-office infrastructure, our efficiency ratio (calculated as total noninterest
expense less intangible expense as a percentage of net interest income plus noninterest income) was 78.1% as of June 30, 2014,
which was marginally higher than our peer median, and higher than our efficiency ratio of 74.4% as of December 31, 2013 and 75.5%
as of December 31, 2012. We have improved our level of expenses over the past several years, in part, by closing several of our
less cost-effective retail offices, including a retail office in Defiance, Ohio which was closed in June 2014. Through continued
loan growth and resulting margin revenue, coupled with a potential expansion of our fee-based revenue from our wealth management
division and residential mortgage loan servicing portfolio, we believe that we can further leverage our current expense structure
and improve our efficiency.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We serve the markets of Northwest
Ohio, Northeast Indiana and extreme southern Michigan. Our emphasis over the past several years has been to leverage our
competitive strengths into newer markets with higher growth potential like Toledo, Ft. Wayne and Columbus, as many of our
older, traditional markets in Northwest Ohio are more mature and reflect lower population growth potential and hence,
opportunity. While some counties where we operate reflect little or no population growth, various towns and cities within
those counties reveal population expansion. Below is a ranking of the population growth rate of the counties with State
Bank locations according to 2010 U.S. Census Data.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
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    <TD STYLE="font-weight: bold; font-style: italic; text-align: left; border-bottom: Black 1.5pt solid">County</TD><TD STYLE="font-weight: bold; font-style: italic; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; font-style: italic; text-align: center; border-bottom: Black 1.5pt solid">Population Growth (%)</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold; font-style: italic">&nbsp;</TD><TD STYLE="font-weight: bold; font-style: italic; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="font-weight: bold; font-style: italic; text-align: center; border-bottom: Black 1.5pt solid">State Rank(1)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-decoration: underline">Ohio</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 76%">Franklin</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: center">+8.8</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: center">12th</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Wood</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">+3.7</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">31st</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Fulton</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">+1.5</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">41st</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Defiance</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">-1.2</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">63rd</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Allen</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">-2.0</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">69th</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Lucas</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">-2.9</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">71st</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD>Paulding</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">-3.3</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">75th</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Williams</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">-3.9</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">80th</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-decoration: underline">Indiana</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Allen</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: center">+7.1</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: center">20th</TD></TR>
</TABLE>


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<TD STYLE="width: 5%"><I>(1)</I></TD><TD STYLE="width: 90%"><P STYLE="margin-top: 0; margin-bottom: 0"><I>Out of
88 counties in Ohio and 92 counties in Indiana.</I></P>
                                                            <P STYLE="margin-top: 0; margin-bottom: 0"><I>&nbsp;</I><BR CLEAR="ALL"></P></TD></TR></TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Ohio&rsquo;s geographic location has
proven to be an asset for economic growth and expansion. Based on information reported by the Ohio Development Services Agency,
Office of Research (available at <U>http://development.ohio.gov</U>):</P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Ohio is seventh in the nation for total population with approximately 11,570,000 people concentrated in 14 metropolitan areas
and 33 micropolitan areas. The largest metropolitan area in Ohio is the Cleveland-Elyria Metropolitan Statistical Area with 2,077,240
people. Other areas with an excess of 500,000 individuals are Akron, Cincinnati, Columbus, Dayton, Toledo, and Youngstown.</TD></TR></TABLE>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Ohio&rsquo;s average per capita income for 2013 was $40,865. Ohio&rsquo;s unemployment rate was 5.7% in July 2014 compared
to 7.5% in July 2013. The U.S. national rate for July 2013 was 6.2%. Total employment in Ohio is expected to increase 9.3% over
the 10-year period from 2010 to 2020, a projected gain of 498,100 jobs.</TD></TR></TABLE>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Ohio&rsquo;s gross domestic product was $565.3 billion in 2013, making Ohio the seventh largest state economy.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Ohio ranks fourth among the 50 states in manufacturing gross domestic product. Ohio&rsquo;s leading industry is manufacturing,
employing 673,800 people, and leads the nation in the production of plastics and rubber, fabricated metals, and electrical equipment
and appliances. Ohio is a leading producer of steel, autos and trucks. Roughly 54% of the state&rsquo;s manufacturing output consists
of durable goods. The state&rsquo;s two leading export commodities are motor vehicles and machinery, shipping products to 210 countries,
accounting for 3.1% of total U.S. exports. Ohio merchandise exports were $50.5 billion in 2013.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>Ohio&rsquo;s private sector is comprised of 730,393 self-employed firms and 190,184 employer firms, according to the U.S. Small
Business Administration. About 3,700 firms employ 500+ workers. Small businesses employing one or more workers account for 20%
of all firms and employ 48% of the workforce. Self-employed or non-employer firms comprise 78% of all businesses.</TD></TR></TABLE>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We experience significant competition
in attracting depositors and borrowers in our markets. In our seven-county primary market area (consisting of Allen, Defiance,
Fulton, Lucas, Paulding, Williams and Wood Counties in Ohio), State Bank ranks ninth in deposit market share (4.04%) and competes
with a number of national, regional and community financial institutions, including the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>The Huntington National Bank</U></B>&nbsp;&ndash;
The Huntington National Bank is a large, regional financial institution headquartered in Columbus, Ohio with total assets of approximately
$63.7 billion as of June 30, 2014. Huntington National Bank has a total of 47 offices located within our primary market area.
The Huntington National Bank ranks first in deposit market share (20.00%) in our primary market area. Huntington National Bank
acquired Sky Bank, headquartered in Bowling Green, Ohio, during the third quarter of 2007.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>Fifth Third Bank</U></B> &ndash; Fifth
Third Bank is a large, regional financial institution headquartered in Cincinnati, Ohio with total assets of approximately $130.2
billion as of June 30, 2014. Fifth Third Bank has a total of 37 offices located within our primary market area. Fifth Third Bank
ranks second in deposit market share (18.17%) in our primary market area. <FONT STYLE="font-size: 10pt"> </FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>Key Bank National Association</U></B>
&ndash; Key Bank is a large, regional financial institution headquartered in Cleveland, Ohio with total assets of approximately
$89.0 billion as of June 30, 2014. Key Bank has a total of 26 offices located within our primary market area. Key Bank ranks third
in deposit market share (9.74%) in our primary market area.</P>

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

</DIV>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>First Federal Bank of the Midwest</U>
</B>&ndash; First Federal Bank of the Midwest is a community bank headquartered in Defiance, Ohio with total assets of approximately
$2.1 billion as of June 30, 2014. First Federal Bank of the Midwest has a total of 16 offices located within our primary market
area. First Federal Bank of the Midwest ranks fourth in deposit market share (7.98%) in our primary market area.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>PNC Bank, National Association</U></B>
&ndash; PNC Bank is a large, regional/national financial institution headquartered in Pittsburgh, Pennsylvania with total assets
of approximately $316.7 billion as of June 30, 2014. PNC has a total of 20 offices located in our primary market area. PNC Bank
ranks fifth in deposit market share (6.66%) in our primary market area. PNC Bank acquired National City Bank, headquartered in
Cleveland, Ohio, during the fourth quarter of 2008.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>RBS Citizens, National Association</U>
</B>&ndash; RBS Citizens is a large, regional financial institution based in Rhode Island with total assets of approximately $100.6
billion as of June 30, 2014. RBS Citizens has a total of 19 offices located in our primary market area. RBS Citizens ranks sixth
in deposit market share (5.42%) in our primary market area.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>The Farmers &amp; Merchants State Bank</U></B>
&ndash; The<B> </B>Farmers &amp; Merchants State Bank is a community bank headquartered in Archbold, Ohio with total assets of
approximately $933.0 million as of June 30, 2014. The Farmers &amp; Merchants State Bank has a total of 16 offices located within
our primary market area. The Farmers &amp; Merchants State Bank ranks seventh in deposit market share (5.31%) in our primary market
area.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>Signature Bank</U></B><FONT STYLE="font-size: 10pt">
&ndash; </FONT>Signature Bank is a community bank headquartered in Toledo, Ohio with total assets of approximately $677.0 million
as of June 30, 2014. Signature Bank has one office and ranks eighth in deposit market share (4.05%) in our primary market area.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>JP Morgan Chase Bank, National Association</U>
</B>&ndash; JP Morgan Chase Bank is a large, national financial institution with total assets of approximately $2.0 trillion as
of June 30, 2014. JP Morgan Chase Bank has a total of seven offices located within our primary market area. JP Morgan Chase Bank
ranks tenth in deposit market share (3.87%) in our primary market area.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>Waterford Bank, N.A.</U></B> &ndash; Waterford
Bank is a community bank headquartered in Toledo, Ohio with total assets of approximately $458.3 million as of June 30, 2014. Waterford
Bank has two offices and ranks eleventh in deposit market share (3.12%) in our primary market area.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><U>The Citizens National Bank of Bluffton</U></B>
&ndash;<FONT STYLE="color: red"><B> </B></FONT>The Citizens National Bank of Bluffton is a community bank headquartered in Bluffton,
Ohio with total assets of approximately $669.7 million as of June 30, 2014. The Citizens National Bank of Bluffton has a total
of six offices located in our primary market area. The Citizens National Bank of Bluffton ranks twelfth in deposit market share
(2.47%) in our primary market area.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 35.75pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>Competitive Strengths</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As compared to many of our larger competitors,
we have a lower efficiency (scale) with numerous, smaller offices in rural locations but excellent depth of services (scope). To
leverage the scope of our franchise and deliver on the business strategies noted above, a sales culture designed to address holistic
client care was implemented in 2006. Business lines developed and/or expanded were Assets Under Management (AUM) in the wealth
management arena, residential real estate lending, retail deposit services, commercial treasury services including cash management,
electronic banking, insurance, commercial banking and retail banking. Binding each of these business lines is our holistic approach
to client care. Each of the business lines refers business to the other in the spirit of addressing not just the identified, known
client need but other, unknown needs as well. This process of working interdependently to achieve holistic client care and drive
key growth initiatives is led by the market executive in charge of each of our markets. When this executive-led, robust process
to expand services in existing households in traditional, more mature markets is combined with the identification and expansion
of new households in lower-share, higher growth markets, our scale improves.</P>

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

</DIV>

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<P STYLE="margin: 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-indent: 0.5in">Our management team is seasoned and diverse.
Our leadership group consists of 14 seasoned executives with combined banking experience in excess of 285 years. Since many of
these executives had banking careers elsewhere before leading a business line, division and/or region at SB Financial, they are
able to add strength to our management team through diversity, depth of knowledge and the application of best practices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our management team employs the &ldquo;Balanced
Scorecard Management Tools&rdquo; to link strategy to execution. Many companies devise a business plan (such as a one-year tactical
plan) as well as a longer-term strategic plan (typically three to five years) to attempt to align &ldquo;what&rdquo; they will
accomplish and &ldquo;how&rdquo; they propose to accomplish it. However, we believe that few companies truly integrate these plans.
We have put in place a dynamic process that we believe ensures that strategy is linked to execution. Specific initiatives are identified,
tracked and measured under the direct leadership of our Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our deposit base is stable and lower
cost as compared to our peer group, which is attributable in part to our ability to attract lower-cost deposits in our traditional,
more rural markets. With a systemic decline in the yield curve, reflecting an overall slower-growing economy, a lower-cost deposit
base provides the required liquidity and duration that allows us to price our loan opportunities more competitively.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our loan portfolio is diverse by geography
and segment. As noted above, even though our lending is concentrated in the Midwest (U.S.) and predominantly in Ohio and Northeast
Indiana, our regional office dispersion provides a degree of diversity that delivers additional stability in economic contractions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>Results of Operations for the Six Months Ended June 30,
2014</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The following is a summary of our consolidated
results of operations for the six months ended June 30, 2014, compared to the same period in 2013. For a more complete discussion
of our results of operations for the six-month period ended June 30, 2014, you should refer to our Quarterly Report on Form 10-Q
for the quarter ended June 30, 2014, which is incorporated by reference in this prospectus. See &ldquo;Where You Can Find More
Information.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our net income for the six months ended June
30, 2014 was $2.2 million, or $0.46 per diluted common share, compared to net income of $2.6 million, or $0.54 per diluted common
share, for the six months ended June 30, 2013. Our &ldquo;Banking Group&rdquo; (which consists primarily of State Bank) had net
income of $3.0 million for the first six months of 2014, which is down 13.8 percent compared to the net income of $3.5 million
from the first six months of 2013. This decrease in net income was primarily driven by lower residential mortgage loan origination
during the first six months of 2014. RDSI reported a net loss of $108,000 for the first six months of 2014, which represented a
$123,000 decrease compared to net income of $15,000 from the year-ago first six months. This was primarily due to the loss of four
clients and the discontinuation of network services by RDSI during the fourth quarter of 2013.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our provision for loan losses for the first
six months of 2014 was $0.2 million compared to $0.5 million for the year-ago first six months. Net charge-offs for the first six
months of 2014 were $0.6 million compared to $0.3 million for the year-ago first six months. The charge-offs during the first six
months of 2014 related to one commercial credit for which a specific loan loss allowance in the same amount was previously allocated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our total revenue, consisting of net interest
income fully taxable equivalent (FTE) and noninterest income, was $16.1 million for the first six months of 2014, a decrease of
$2.1 million, or 11.5 percent, from the $18.2 million generated during the 2013 first six months.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Net interest income (FTE) was $10.3 million
for the first six months of 2014, which is down $0.5 million from the prior year first six months&rsquo; net income of $10.8 million.
The Company&rsquo;s earning assets increased $22.9 million during the first six months of 2014, but this was offset by a 48 basis
point decrease in the yield on earning assets. The net interest margin for the first six months of 2014 was 3.51 percent compared
to 3.86 percent for the first six months of 2013.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Noninterest income was $5.9 million for the
2014 first six months compared to $7.4 million for the prior year six month period. Excluding data service fees, which are contributed
by RDSI, the remaining noninterest income is generated by the Banking Group. RDSI fees continue to trail the prior year due to
client losses and the discontinuation of network services by RDSI during the fourth quarter of 2013.</P>

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

</DIV>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12 0 0; text-indent: 0.5in">State Bank originated $100.7 million of mortgage
loans in the first six months of 2014 compared to $153.9 million for the comparable period of 2013. The reduced mortgage loan volume
was primarily due to the reduction in home purchases due to the severe winter weather in Ohio during the first quarter of 2014.
The originations and subsequent sales from the first six months of 2014 resulted in $1.8 million of gains, which compares to gains
of $2.9 million for the first six months of 2013. Net mortgage banking revenue for the first six months of 2014 was $2.2 million
due to the lowered volumes and no recapture of impairment of originated mortgage servicing rights (OMSR).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Noninterest expense for the first six months
of 2014 was $12.7 million, compared to $13.8 million in the prior-year first six months. The decrease in noninterest expenses compared
to the prior year was volume related (mortgage commission and balance growth incentive) which offset higher weather related costs.
Also impacting the reduction was lower state tax due to the Ohio financial institutions tax change.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Income taxes for the first six months of 2014
were $0.8 million compared to $1.1 million for the first six months of 2013. The decrease was due primarily to the decrease in
pre-tax income compared to the prior year.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Rurban Statutory Trust I (&ldquo;RST I&rdquo;)
was established in August 2000 and, in September 2000, completed a pooled private offering of 10,000 trust preferred securities
with a liquidation amount of $1,000 per security. The proceeds of the offering were loaned to the Company in exchange for $10 million
in principal amount of 10.60% fixed-rate junior subordinated debentures of the Company. The terms of the junior subordinated debentures
are substantially similar to the terms of the trust preferred securities issued by RST I.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On July 3, 2014, the Company informed the
trustee of RST I of the Company&rsquo;s intention to redeem all of the junior subordinated debentures underlying the trust
preferred securities prior to their contractual maturity date of September 7, 2030. The Company subsequently redeemed the
junior subordinated debentures on September 7, 2014 for an aggregate amount of $11.2 million, which included accrued interest
to the redemption date and approximately $424,000 in prepayment penalties. The Company used cash and a term loan from a
correspondent bank in the principal amount of $7.0 million to fund the redemption of the junior subordinated debentures. The
loan has a term of five years and requires the Company to make quarterly payments of interest and principal based on a 7-year
amortization schedule. The loan carries a variable interest rate equal to the 90-day LIBOR index rate plus 2.85%. As of
September 18, 2015, the loan&rsquo;s variable interest rate was 3.08%. The loan may be prepaid, in whole or in part, by the
Company at any time without penalty or premium. The Company intends to use approximately $7.0 million of the net proceeds of
this offering to prepay this term loan in full upon the completion of this offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Company&rsquo;s other trust preferred securities,
issued by Rurban Statutory Trust II (&ldquo;RST II&rdquo;) on September 15, 2005, will remain outstanding following the redemption
of the junior subordinated debentures held by RST I. The RST II debt securities, in an aggregate amount of $10.3 million, have
a maturity date of September 15, 2035 and carry a variable interest rate that changes quarterly based on the 3-month LIBOR.</P>

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

</DIV>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%; padding: 0"><B>Issuer</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 78%; padding: 0">SB Financial Group, Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Securities offered</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Depositary shares, each representing a 1/100th ownership
        interest in a Series A<B> </B>Preferred Share with a liquidation preference of $1,000.00<B> </B>per share (equivalent to $10.00
        per depositary share). Each holder of a depositary share will be entitled, through the depositary, in proportion to the applicable
        fraction of a Series A Preferred Share represented by such depositary share, to all of the rights, preferences and privileges of
        the Series A Preferred Shares represented thereby, including dividend, voting, conversion and liquidation rights.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We are offering up to a maximum of 1,500,000 depositary shares
        in the offering. We must sell a minimum of 1,000,000 depositary shares to complete the offering.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Price per depositary share</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">$10.00.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Ranking</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="letter-spacing: 0.05pt">The Series A Preferred Shares (and, therefore, the depositary shares) will rank, with respect to dividends </FONT>and upon liquidation, dissolution or winding-up: (i) junior to all of our existing and future debt obligations; (ii) junior to each class of capital stock or series of preferred shares, <FONT STYLE="letter-spacing: 0.05pt">the terms of which expressly provide that it ranks senior to the Series A Preferred Shares; (iii) on parity with each other class of our capital stock or series of preferred shares, the terms of which expressly provide that it ranks on parity with the Series A Preferred Shares; and (iv) senior to all classes of our common shares or series of preferred shares, the terms of which do not expressly provide that it ranks senior to or on parity with the Series A Preferred Shares.&nbsp;&nbsp;See &ldquo;Description of the Series A Preferred Shares &mdash; Ranking&rdquo; beginning on page </FONT>49<FONT STYLE="letter-spacing: 0.05pt"> of this prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Dividends</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>[&#9679;]</B>% per annum of the liquidation preference,
which is equivalent to $<B>[&#9679;]</B> per year and $<B>[&#9679;]</B> per quarter per depositary share.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0">Dividends
are noncumulative and are payable only if, when and as declared by our board of directors. As a result, if no dividend is declared
by our board of directors on the Series A Preferred Shares for a quarterly dividend period, holders of depositary shares will
have no right to receive a dividend for that period. See &ldquo;Description of the Series A Preferred Shares &mdash; Dividend
Rights&rdquo; beginning on page 49 of this prospectus.</FONT></P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Dividend payment dates</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">Dividends are payable quarterly, when, as and if declared by our board of directors, on March 15, June 15, September 15 and December 15 of each year (or if such day is not a business day, the next business day), commencing December 15, 2014.&nbsp;&nbsp;Dividends for the first dividend period ending December 15, 2014, if any, will be for less than a full quarter.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Dividend stopper</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="letter-spacing: 0.05pt">We are prohibited from paying dividends on our common shares or any other capital security which ranks junior to the Series A Preferred Shares unless the full dividends on all outstanding Series A Preferred Shares (and, therefore, the depositary shares) have been declared and paid (or set apart for payment) for the most recently completed dividend period.&nbsp;&nbsp;See &ldquo;Description of the Series A Preferred Shares &mdash; Dividend Rights&rdquo; beginning on page 49 of this prospectus.</FONT></TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; width: 20%"><B>No Redemption</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 78%"><FONT STYLE="letter-spacing: 0.05pt">The Series A Preferred Shares may not be redeemed at the option of&nbsp;&nbsp;the Company</FONT>.&nbsp;&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Liquidation rights</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">In the event we liquidate, dissolve or wind-up our business and affairs, either voluntarily or involuntarily, holders of the Series A Preferred Shares will be entitled to receive a liquidating distribution of $1,000.00 per share (equivalent to $10.00 per depositary share), plus any declared and unpaid dividends, without accumulation of any undeclared dividends, before we make any distribution of assets to the holders of our common shares or any other class or series of junior shares.&nbsp;&nbsp;Distributions will be made only to the extent of our assets that are available after satisfaction of all liabilities to creditors and subject to the rights of holders of any securities ranking senior to the Series A Preferred Shares and pro rata as to the Series A Preferred Shares and any other shares of our stock ranking equally as to such distribution. Holders of Series A Preferred Shares (and, therefore, holders of depositary shares) will not be entitled to any other amounts from us after they have received their full liquidating distribution. <FONT STYLE="letter-spacing: 0.05pt">See &ldquo;Description of the Series A Preferred Shares </FONT>&mdash; Liquidation Preference&rdquo; beginning on page 51 of this prospectus.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Voting rights</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Except as otherwise required by Ohio law and as set
forth below, a holder of Series A Preferred Shares (and, therefore, a holder of depositary shares) will have no voting rights.
The consent of the holders of at least two-thirds (2/3) of the Series A Preferred Shares (and, therefore, the depositary shares),
voting as a class, will be required to (i) amend, alter or repeal any provision of our Amended Articles of Incorporation, as amended
(the &ldquo;Articles&rdquo;) or the attachment to the certificate of amendment by the directors setting forth the terms of the
Series A Preferred Shares (the &ldquo;Certificate of Amendment&rdquo;) in a manner that would materially and adversely affect
the rights, preferences, powers or privileges of the Series A Preferred Shares, (ii) create, authorize, issue or increase the
authorized or issued amount of any class or series of our equity securities that is senior to or on parity with the Series A Preferred
Shares as to dividend rights, or rights upon our liquidation, dissolution or winding-up (except that no consent will be required
in the case of parity shares which do not have cumulative dividend rights) or (iii) enter into or consummate certain reclassifications
of our common shares or certain business combinations. <FONT STYLE="letter-spacing: 0.1pt">See &ldquo;Description of the Series
A Preferred Shares &mdash; Voting Rights&rdquo; beginning on page </FONT>57<FONT STYLE="letter-spacing: 0.1pt"> of this prospectus.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.1pt"></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.1pt"></FONT>The
consent of the holders of the Series A Preferred Shares (and, therefore, the holders of depositary shares) will not be required
in connection with any of the following: (i) any increase in the authorized number of Series A Preferred Shares; (ii) any issuance
of additional Series A Preferred Shares; or (iii) any increase, authorization or issuance of equity securities which are on parity
with the Series A Preferred Shares as to dividend rights, or rights upon liquidation, dissolution or winding up, unless such equity
securities have cumulative dividend rights.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>No maturity</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">The Series A Preferred Shares do not have any maturity date, and we cannot redeem the Series A Preferred Shares at our option.&nbsp;&nbsp;Accordingly, the Series A Preferred Shares will remain outstanding indefinitely, unless and until we decide to exercise our right of mandatory conversion.</TD></TR>
</TABLE>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; width: 20%"><B>Conversion right</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 78%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.15in 0 0">Each Series A Preferred Share, at the option of the
        holder, is convertible at any time into the number of our common shares equal to $1,000.00 divided by the conversion price then
        in effect, which initially will be $[&#9679;]. Accordingly, each depositary share is convertible at your option into the number
        of our common shares equal to $10.00 divided by the conversion price then in effect (initially $[&#9679;]). The initial conversion
        price of $[&#9679;] is equivalent to a 17.5% premium over $[&#9679;] per common share, the last reported sale price of our common
        shares on [&#9679;], 2014. Except as otherwise provided, the Series A Preferred Shares (and, therefore, the depositary shares) will
        only be convertible into our common shares, and cash will be paid in lieu of issuing any fractional common share interest.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.4in 0 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.4in 0 0">The conversion price is also subject to anti-dilution
        adjustments upon the occurrence of certain events. See &ldquo;Description of the Series A Preferred Shares &mdash; Adjustments
        to the Conversion Price&rdquo; beginning on page 54 of this prospectus.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">All of the depositary shares we are selling in this offering,
        and the common shares issued upon any conversion of the depositary shares, will be freely tradable without restriction under the
        Securities Act, except for shares purchased by our &ldquo;affiliates.&rdquo; See &ldquo;Description of the Series A Preferred Shares
        &mdash; Conversion Rights&rdquo; beginning on page 51 of this prospectus.</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Mandatory conversion at our option</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">On or after the fifth anniversary of the issue date of the Series A Preferred Shares, we may, at our option, require holders of the Series A Preferred Shares (and, therefore, the depositary shares) to convert each Series A Preferred Share into the number of our common shares equal to the quotient achieved when $1,000.00 is divided by the conversion price then in effect, which initially will be $[&#9679;].&nbsp;&nbsp;Accordingly, each depositary share will be convertible into the number of our common shares equal to $10.00 divided by the conversion price then in effect (initially $[&#9679;]).&nbsp;&nbsp;We may exercise this option only if: (i) the closing sale price for our common shares equals or exceeds 120% of the conversion price then in effect for at least 20 trading days in a period of 30 consecutive trading days (including the last trading day of such period) ending on the fifth trading day immediately prior to our issuance of a press release announcing our exercise of this option; and (ii) we have declared and paid full dividends on the Series A Preferred Shares (and, therefore, the depositary shares) for four consecutive quarters prior to the issuance of the press release.&nbsp;&nbsp;See &ldquo;Description of the Series A Preferred Shares &mdash; Mandatory Conversion at Our Option&rdquo; beginning on page 53 of this prospectus.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Material U.S. federal income tax consequences</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">Material U.S. federal income tax consequences relevant to the acquisition, ownership and disposition of <FONT STYLE="letter-spacing: 0.15pt">the depositary shares and common shares issued upon conversion are described in &ldquo;Material U.S. Federal Income Tax Consequences&rdquo; beginning on page </FONT>68<FONT STYLE="letter-spacing: 0.15pt"> of this prospectus.&nbsp;&nbsp;Prospective investors should consult their own tax advisors regarding the tax consequences of acquiring, holding and disposing of the depositary shares and common shares issued upon conversion in light of current tax laws, their particular personal tax and investment circumstances and the application of state, local and other tax laws.</FONT></TD></TR>
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    <TD STYLE="padding: 0; width: 20%"><B>Purchase priorities and limitations</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 78%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We are offering the depositary shares for sale to the public in
        the following order of priority:</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 17.1pt; text-indent: -0.25in"><I>1.<FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><U>Shareholder Offering</U></I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Each shareholder of the Company who is a beneficial owner of our
        common shares will be given the opportunity to purchase, subject to the overall purchase limitations, up to the lesser of (a) 250,000
        depositary shares ($2,500,000), or (b) the number of depositary shares, assuming conversion of such depositary shares into our
        common shares, whereby the purchaser&rsquo;s total beneficial ownership of our common shares (including any common shares currently
        owned) would not exceed 5% of our outstanding common shares after the offering. The minimum number of depositary shares that an
        existing shareholder may purchase in the offering is 100 depositary shares.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">If there are not sufficient depositary shares available to satisfy
        all subscriptions in the shareholder offering, shares will first be allocated so as to permit each shareholder subscriber to purchase
        a number of depositary shares equal to the lesser of (i) [&#9679;] depositary shares ($[&#9679;]) or (ii) the number of depositary
        shares for which the shareholder subscribed. The unallocated depositary shares will then be allocated to each shareholder subscriber
        whose subscription remains unsatisfied on a pro rata basis. See &ldquo;Description of the Offering.&rdquo;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 17.1pt; text-indent: -0.25in"><I>2.<FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><U>Customer and Community Offering</U></I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">To the extent that depositary shares remain available for purchase
        after satisfaction of all subscriptions in the shareholder offering, we may offer depositary shares to customers of State Bank
        and to residents of the local communities we serve. For this purpose, you will be considered to be a resident of the &ldquo;local
        communities&rdquo; we serve if you reside in any of the following counties: Allen, Defiance, Franklin, Fulton, Lucas, Paulding,
        Wood and Williams Counties, Ohio; and Allen and Steuben Counties, Indiana.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The same purchase limitations and pro rata allocations that apply
        in the shareholder offering will apply to purchases in the customer and community offerings to the extent there are not sufficient
        depositary shares available to satisfy all subscriptions. See &ldquo;Description of the Offering.&rdquo;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 17.1pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 17.1pt; text-indent: -0.25in"><I>3.<FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
        </FONT><U>Syndicated Offering</U></I></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We may offer depositary
        shares for sale to interested investors (without regard to their status as an existing shareholder of the Company, a customer of
        State Bank, or a resident of our local communities) in a syndicated offering in a manner intended to achieve a widespread distribution
        of our depositary shares to the general public. The syndicated offering may begin concurrently with, during or after the commencement
        or termination of the shareholder and customer/community offerings, but priority will be given to shareholder and customer/community
        subscriptions in filling orders. If a syndicated offering is held, Keefe, Bruyette &amp; Woods, Inc. will serve as sole placement
        agent and will assist us in selling our depositary shares on a best efforts basis.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The same purchase limitations that apply in the shareholder
offering will apply to purchases in the syndicated offering to the extent there are not sufficient depositary shares available
to satisfy all subscriptions. See &ldquo;Description of the Offering.&rdquo;&nbsp;</P></TD></TR>
</TABLE>

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    <TD STYLE="padding: 0; width: 20%"><B>Purchasing depositary shares in the offering</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 78%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">The shareholder offering and the customer and community offering
        are expected to be conducted concurrently. The syndicated offering, if any, may be conducted concurrently with the shareholder
        and customer/community offerings or as soon as practicable following the expiration of the shareholder and customer/community offerings.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">In the shareholder and customer/community offerings, you may subscribe
        for depositary shares by delivering a signed and completed subscription order form, together with full payment payable to &ldquo;U.S.
        Bank/SBFG &ndash; Escrow Account&rdquo;; provided that the order form is received before 12:00 noon, Eastern Time, on [&#9679;],
        2014, unless the expiration date of the offering is extended. Delivery of your order may be made by mail using the order reply
        envelope provided, by overnight delivery to the indicated address at the top of the order form, or by hand-delivery to the Company&rsquo;s
        executive offices located at 401 Clinton Street, Defiance, Ohio 43512. Order forms may not be delivered to any of the Company&rsquo;s
        or State Bank&rsquo;s other offices. Please do not mail order forms to the Company or any of State Bank&rsquo;s branches.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Orders in the syndicated offering will be submitted in
substantially the same manner as utilized in the shareholder and customer/community offerings. Payments in the syndicated offering,
however, must be made in immediately available funds (bank checks, money orders, or wire transfers). Personal checks will not
be accepted. If the closing of the offering does not occur for any reason, the funds will be promptly returned without interest.
For a complete description of how to purchase depositary shares in the offering, see &ldquo;Description of the Offering.&rdquo;&nbsp;</P></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Use of proceeds</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We estimate that the net proceeds to us from the
sale of the maximum number of depositary shares that we may sell in this offering will be $[&#9679;] million after deducting estimated
placement agent fees and other offering expenses. <FONT STYLE="letter-spacing: 0.05pt">We intend to use approximately $7.0 million
of </FONT>the net proceeds of the <FONT STYLE="letter-spacing: 0.05pt">sale of the depositary shares to p</FONT>repay the term
loan obtained by the Company in connection with the Company&rsquo;s redemption, effective September 7, 2014, of the junior subordinated
debentures underlying the trust preferred securities issued by RST I for an aggregate redemption amount (including accrued interest
and prepayment penalties) of $11.2 million. See &ldquo;Summary &#8213; Recent Developments&rdquo; beginning on page 10 of this
prospectus.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">We <FONT STYLE="letter-spacing: 0.05pt">expect to
use the remainder of the net proceeds from the sale of our depositary shares for general corporate purposes. </FONT> See &ldquo;Use
of Proceeds&rdquo; beginning on page 32 of this prospectus.</P></TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; width: 20%"><B>Risk factors</B></TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; width: 78%"><FONT STYLE="letter-spacing: 0.1pt">You should read this prospectus carefully before you </FONT>invest. Investing in our securities involves a high degree of risk. See the section entitled &ldquo;Risk Factors,&rdquo; beginning on page 19 of this prospectus and in the documents we file with the Securities and Exchange Commission that are incorporated by reference into this prospectus for certain risks you should consider before investing in the depositary shares.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Listing</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">We have applied for the depositary shares to be listed on the NASDAQ Capital Market under the symbol &ldquo;______.&rdquo;&nbsp;&nbsp;If the application for listing is approved, trading of the depositary shares is expected to commence within 30 days following the initial issuance of the depositary shares.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Form</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="letter-spacing: 0.1pt">The depositary shares will be issued and maintained in book-entry form, except under limited circumstances.&nbsp;&nbsp;See &ldquo;Description of the Depositary Shares &mdash; Book-Entry Issuance&rdquo; beginning on page 61 of this prospectus.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0"><B>Depositary, transfer agent and registrar</B></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="letter-spacing: 0.1pt">Registrar and Transfer Company</FONT></TD></TR>
</TABLE>



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

</DIV>

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

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

<DIV STYLE="padding: 2px; border: Black 1.5pt solid; width: 99%">

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_006"></A>SUMMARY CONSOLIDATED FINANCIAL
DATA</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following table shows summarized historical
consolidated financial data for the Company as of and for the six months ended June 30, 2014 and 2013, and as of and for the years
ended December 31, 2009 through 2013. Our summary consolidated financial data presented below as of December 31, 2013 and for each
of the years in the five-year period ended December 31, 2013, are derived from our audited financial statements and related notes.
The audited financial statements and related notes for the years ended December 31, 2013 and 2012 are incorporated by reference
in this prospectus. Our summary consolidated financial data for the six months ended June 30, 2014 and 2013 are derived from our
unaudited interim consolidated financial statements incorporated by reference in this prospectus. In the opinion of our management,
such data contain all adjustments (consisting of only normal recurring adjustments) necessary to present fairly our financial position
and results of operations for such periods in accordance with generally accepted accounting principles. Our results for the six
months ended June 30, 2014 are not necessarily indicative of our results of operations that may be expected for any future period.
You should read the following table in conjunction with the consolidated financial statements, related notes, and Management's
Discussion and Analysis of Financial Condition and Results of Operations included in our Quarterly Report on Form 10-Q for the
quarter ended June 30, 2014 and in our Annual Report on Form 10-K for the year ended December 31, 2013, and the other information
included in or incorporated by reference into this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B><U>Five-Year Selected Consolidated Financial
Data</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Dollars in thousands, except per share data)</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Six months ended June 30,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Year ended December 31,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-left: 5; text-indent: -5">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2010</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2009</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">(unaudited)</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-left: 5; text-indent: -5">Statements of Income:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 16%; text-align: left; padding-left: 5; text-indent: -5">Total interest income</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">11,897</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">12,767</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">24,848</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">26,122</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">27,509</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">29,564</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">32,591</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 5; text-indent: -5">Total interest expense</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,824</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">2,125</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">4,035</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">5,390</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">6,798</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">9,602</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">11,593</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10pt; text-indent: -5">Net interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,073</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,642</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,813</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,732</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,711</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,962</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,998</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 5; text-indent: -5">Provision for loan loss</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">150</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">499</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">900</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,350</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,994</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">10,588</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">5,738</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10pt; text-indent: -5">Net interest income after provision for loan loss</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9,923</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10,143</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,913</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,382</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">18,717</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9,374</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,260</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 5; text-indent: -5">Investment security gain (loss)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">48</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,871</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">451</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">960</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 5; text-indent: -5">Other noninterest income</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">5,798</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">7,367</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">13,998</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">14,845</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">11,986</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">20,368</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">28,345</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10pt; text-indent: -5">Total noninterest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,854</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,387</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,046</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14,845</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13,857</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,819</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">29,305</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 5; text-indent: -5">Goodwill and other intangibles impairment</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">381</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,273</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 5; text-indent: -5">Other noninterest expense</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">12,705</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">13,750</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">26,511</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">27,484</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">29,872</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">46,035</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">44,843</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 10pt; text-indent: -5">Total noninterest expense</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">12,705</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">13,750</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">26,511</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">27,484</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">30,253</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">52,308</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">44,843</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 5; text-indent: -5">Income (loss) before federal tax (benefit)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,072</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,780</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,448</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,743</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,321</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(22,115</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(278</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 5; text-indent: -5">Federal income tax (benefit)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">847</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,143</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">2,243</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">1,929</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">658</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(6,502</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(660</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 4pt; padding-left: 10pt; text-indent: -5">Net income (loss)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">2,225</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">2,637</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">5,205</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">4,814</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">1,663</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">(15,613</TD><TD STYLE="padding-bottom: 4pt; text-align: left">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">382</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; padding-left: 5; text-indent: -5">Per Common Share:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 5; text-indent: -5"></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 5; text-indent: -5">Earnings available to common shareholders (basic and
    diluted)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.46</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.54</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.07</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.99</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.34</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(3.21</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.07</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 5; text-indent: -5">Dividends paid</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.075</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.055</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.12</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.36</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 5; text-indent: -5">Book value <BR></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.10</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.18</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.55</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.96</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.86</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.47</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.69</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; padding-left: 5; text-indent: -5">Average Common Shares Outstanding:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 10pt; text-indent: -5">Basic</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,873,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,864,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,870,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,861,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,861,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,861,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,867,030</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10pt; text-indent: -5">Diluted</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,894,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,870,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,882,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,861,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,861,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,861,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,870,403</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>


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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-bottom: 1.5pt; padding-left: 10; text-indent: -10">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">Six months ended June 30,</FONT><P STYLE="margin-top: 0; margin-bottom: 0"></P></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">Year ended December 31,</FONT><P STYLE="margin-top: 0; margin-bottom: 0"></P>

</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; padding-bottom: 1.5pt; padding-left: 10; text-indent: -10">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2014</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2013</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2013</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2012</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2011</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2010</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid"><FONT STYLE="font-size: 10pt">2009</FONT></TD><TD STYLE="text-align: center; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; padding-left: 10; text-indent: -10">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(unaudited)</FONT></TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-left: 10; text-indent: -10">Period-end Balances:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 10; text-indent: -10">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 16%; text-align: left; padding-left: 10; text-indent: -10">Loans, net (1)</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">499,559</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">457,022</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">470,339</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">456,578</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">436,025</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">420,829</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">445,528</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10; text-indent: -10">Securities (2)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">89,334</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">99,127</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">93,541</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">102,450</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">115,664</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">136,510</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">108,831</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">662,500</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">631,492</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">631,754</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">638,234</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">628,664</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">660,288</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">673,049</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10; text-indent: -10">Deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">524,067</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">511,378</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">518,234</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">527,001</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">518,765</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">515,678</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">491,242</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 10; text-indent: -10">Borrowings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">74,866</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">61,082</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51,905</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">53,655</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,963</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">92,503</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">110,077</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Shareholders&rsquo; equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">59,010</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,387</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56,269</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">53,284</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">47,932</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">46,024</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">61,708</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 10; text-indent: -10">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; padding-left: 10; text-indent: -10">Average Balances:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 10; text-indent: -10">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Loans, net (3)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">488,425</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">462,058</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">469,603</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">455,516</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">438,383</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">445,700</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">453,787</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 10; text-indent: -10">Securities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">96,207</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">99,607</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">95,787</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">105,342</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">119,420</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">118,856</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">116,206</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">659,187</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">639,698</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">639,920</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">638,035</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">643,528</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">673,781</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">667,470</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 10; text-indent: -10">Deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">527,956</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">522,585</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">521,648</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">522,412</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">516,282</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">509,783</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">489,526</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10; text-indent: -10">Borrowings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">56,285</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">51,844</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">52,256</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">53,405</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">70,686</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">99,025</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">106,121</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Shareholders&rsquo; equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">57,654</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,020</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54,700</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">50,300</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">47,035</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">57,281</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">63,576</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10; text-indent: -10">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10; text-indent: -10">Selected Ratios and Other Data:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10; text-indent: -10">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Return on average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.68</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.82</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.81</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.75</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.26</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-2.32</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.06</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Return on average equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.72</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.76</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.52</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.57</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.54</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-27.26</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.60</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Average shareholders&rsquo; equity to average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.75</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.44</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.55</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.88</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.31</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.50</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.52</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Cash dividend payout ratio (dividends divided by net income)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16.49</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.20</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.26</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.00</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.00</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.00</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">458.64</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Net interest margin</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.51</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.86</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.75</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.76</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.81</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.67</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.79</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Total net loans to total deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">95.32</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">89.37</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">90.76</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">86.64</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">84.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">81.61</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">90.69</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Nonperforming assets to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.93</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.20</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.15</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.40</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.60</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.26</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.22</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10; text-indent: -10">Tangible common equity to tangible assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.54</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.04</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.39</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.75</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.87</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4.17</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.46</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>


<P STYLE="margin-top: 0; margin-bottom: 0"></P>


<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%"><I>(1)</I></TD><TD STYLE="width: 95%"><I>Net of allowance for loan losses.</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%"><I>(2)</I></TD><TD STYLE="width: 95%"><I>Includes available-for-sale securities and Federal Reserve and Federal Home Loan Bank stock.</I></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%"><I>(3)</I></TD><TD STYLE="width: 95%"><I>Net of unearned income.</I></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

</DIV>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_007"></A>RISK FACTORS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><I>An investment in the depositary shares
is subject to certain risks inherent in our business and certain risks relating to the depositary shares and the Series A Preferred
Shares. The material risks and uncertainties that our management believes affect your investment in the depositary shares are described
below and in the section entitled &ldquo;Risk Factors&rdquo; in our Annual Report on Form 10-K for the year ended December 31,
2013, incorporated by reference herein. Before making an investment decision, you should carefully consider the risks and uncertainties
described below and in the information included or incorporated by reference in this prospectus. </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>Risk Factors Related to Our Business</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Changes in general economic conditions and real estate
values in our primary market areas could adversely affect our earnings, financial condition and cash flows.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our success depends to a large extent
upon local and national economic conditions, as well as governmental fiscal and monetary policies. Conditions such as inflation,
recession, unemployment, changes in interest rates, money supply and other factors beyond our control can adversely affect our
asset quality, deposit levels and loan demand and, therefore, our earnings and our capital. Our lending and deposit gathering activities
are concentrated primarily in Northwest Ohio. As a result, our success depends in large part on the general economic conditions
of these areas, particularly given that a significant portion of our lending relates to real estate located in this region. Real
estate values in our markets were negatively impacted by the recent economic crisis. Although there has been some improvement recently
in a number of economic measures, including home prices and unemployment rates in Ohio, we continue to experience difficult economic
conditions and high unemployment in many of our traditional market areas in Northwest Ohio. A prolonged continuation of these economic
conditions and/or a significant decline in the economy in our market areas could impair our ability to collect payments on loans,
increase loan delinquencies, increase problem assets and foreclosures, increase lawsuits and other claims by borrowers, decrease
the demand for our products and services and decrease the value of collateral for loans, especially real estate values, which could
have a material adverse effect on our financial condition, results of operations and cash flows.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Our earnings are significantly affected by the fiscal
and monetary policies of the federal government and its agencies.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The policies of the Federal Reserve Board
impact us significantly. The Federal Reserve Board regulates the supply of money and credit in the United States. Its policies
directly and indirectly influence the rate of interest earned on loans and paid on borrowings and interest-bearing deposits, and
can also affect the value of financial instruments we hold. Those policies determine to a significant extent our cost of funds
for lending and investing. Changes in those policies are beyond our control and are difficult to predict. Federal Reserve Board
policies can also affect our borrowers, potentially increasing the risk that they may fail to repay their loans. For example, a
tightening of the money supply by the Federal Reserve Board could reduce the demand for a borrower&rsquo;s products and services.
This could adversely affect the borrower&rsquo;s earnings and ability to repay its loan, which could have a material adverse effect
on our financial condition and results of operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We may be unable to manage interest rate risks, which
could reduce our net interest income.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our results of operations are affected
principally by net interest income, which is the difference between interest earned on loans and investments and interest expense
paid on deposits and other borrowings. The spread between the yield on our interest-earning assets and our overall cost of funds
has been compressed in the recent low interest rate environment, and our net interest income may continue to be adversely impacted
by an extended period of continued low rates. We cannot predict or control changes in interest rates. National, regional and local
economic conditions and the policies of regulatory authorities, including monetary policies of the Board of Governors of the Federal
Reserve System, affect the movement of interest rates and our interest income and interest expense. If the interest rates paid
on deposits and other borrowed funds increase at a faster rate than the interest rates received on loans and other investments,
our net interest income, and therefore earnings, could be adversely affected. Earnings could also be adversely affected if the
interest rates received on loans and other investments fall more quickly than the interest rates paid on deposits and other borrowed
funds.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In addition, certain assets and liabilities
may react in different degrees to changes in market interest rates. For example, interest rates on some types of assets and liabilities
may fluctuate prior to changes in broader market interest rates, while interest rates on other types may lag behind. Some of our
assets, such as adjustable rate mortgages, have features that restrict changes in their interest rates, including rate caps.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Interest rates are highly sensitive to
many factors that are beyond our control. Some of these factors include: inflation; recession; unemployment; money supply; international
disorders; and instability in domestic and foreign financial markets.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Changes in interest rates may affect
the level of voluntary prepayments on our loans and may also affect the level of financing or refinancing by customers. We believe
that the impact on our cost of funds from a rise in interest rates will depend on a number of factors, including but not limited
to, the competitive environment in the banking sector for deposit pricing, opportunities for clients to invest in other markets
such as fixed income and equity markets, and the propensity of customers to invest in their businesses. The effect on our net interest
income from an increase in interest rates will ultimately depend on the extent to which the aggregate impact of loan re-pricings
exceeds the impact of increases in our cost of funds.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>If our actual loan losses exceed our allowance for
loan losses, our net income will decrease.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our loan customers may not repay their
loans according to their terms, and the collateral securing the payment of these loans may be insufficient to pay any remaining
loan balance. We may experience significant loan losses, which could have a material adverse effect on our operating results. In
accordance with accounting principles generally accepted in the United States, we maintain an allowance for loan losses to provide
for loan defaults and non-performance, which when combined, we refer to as the allowance for loan losses. Our allowance for loan
losses may not be adequate to cover actual credit losses, and future provisions for credit losses could have a material adverse
effect on our operating results. Our allowance for loan losses is based on prior experience, as well as an evaluation of the risks
in the current portfolio. The amount of future losses is susceptible to changes in economic, operating and other conditions, including
changes in interest rates that may be beyond our control, and these losses may exceed current estimates. Federal regulatory agencies,
as an integral part of their examination process, review our loans and allowance for loan losses. We cannot assure you that we
will not further increase the allowance for loan losses or that regulators will not require us to increase this allowance. Either
of these occurrences could have a material adverse effect on our financial condition and results of operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>FDIC insurance premiums may increase materially, which
could negatively affect our profitability.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The FDIC insures deposits at FDIC insured
financial institutions, including State Bank. The FDIC charges the insured financial institutions premiums to maintain the Deposit
Insurance Fund at a certain level. During 2008 and 2009, there were higher levels of bank failures which dramatically increased
resolution costs of the FDIC and depleted the deposit insurance fund. The FDIC collected a special assessment in 2009 to replenish
the Deposit Insurance Fund and also required a prepayment of an estimated amount of future deposit insurance premiums. If the costs
of future bank failures increase, deposit insurance premiums may also increase.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Legislative or regulatory changes or actions could
adversely impact our business.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The financial services industry is extensively
regulated. We are subject to extensive state and federal regulation, supervision and legislation that govern almost all aspects
of our operations. These laws and regulations are primarily intended for the protection of consumers, depositors, borrowers and
the deposit insurance fund, not to benefit our shareholders. Changes to laws and regulations or other actions by regulatory agencies
may negatively impact us, possibly limiting the services we provide, increasing the ability of non-banks to compete with us or
requiring us to change the way we operate. Regulatory authorities have extensive discretion in connection with their supervisory
and enforcement activities, including the ability to impose restrictions on the operation of an institution and the ability to
determine the adequacy of an institution&rsquo;s allowance for loan losses. Failure to comply with applicable laws, regulations
and policies could result in sanctions being imposed by the regulatory agencies, including the imposition of civil money penalties,
which could have a material adverse effect on our operations and financial condition.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In light of current conditions in the
global financial markets and the global economy, regulators have increased their focus on the regulation of the financial services
industry. In the last several years, Congress and the federal bank regulators have acted on an unprecedented scale in responding
to the stresses experienced in the global financial markets. Some of the laws enacted by Congress and regulations promulgated by
federal bank regulators subject us and other financial institutions to additional restrictions, oversight and costs that may have
an adverse impact on our business and results of operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Dodd-Frank Act was signed into law
on July 21, 2010 and, although it became generally effective in July 2010, many of its provisions have extended implementation
periods and delayed effective dates and have required and will continue to require extensive rulemaking by regulatory authorities.
In addition, we may be subjected to higher deposit insurance premiums to the FDIC. We may also be subject to additional regulations
under the recently established Consumer Financial Protection Bureau, which was given broad authority to implement new consumer
protection regulations. These and other provisions of the Dodd-Frank Act, including future rules implementing its provisions and
the interpretation of those rules, may place significant additional costs on us, impede our growth opportunities and place us at
a competitive disadvantage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In July 2013, our primary federal regulator,
the Federal Reserve, published final rules establishing a new comprehensive capital framework for U.S. banking organizations. The
rules implement the Basel Committee's December 2010 framework known as &ldquo;Basel III&rdquo; for strengthening international
capital standards as well as certain provisions of the Dodd-Frank Act. The implementation of the final rules will lead to higher
capital requirements and more restrictive leverage and liquidity ratios than those currently in place. In addition, in order to
avoid limitations on capital distributions, such as dividend payments and certain bonus payments to executive officers, the rules
require insured financial institutions to hold a capital conservation buffer of common equity tier 1 capital above the minimum
risk-based capital requirements. The capital conservation buffer will be phased in over time, becoming effective on January 1,
2019, and will consist of an additional amount of common equity equal to 2.5% of risk-weighted assets. The rules will also revise
the regulatory agencies' prompt corrective action framework by incorporating the new regulatory capital minimums and updating the
definition of common equity. The rules began to phase in on January 1, 2014 for larger institutions and will begin to phase in
on January 1, 2015 for smaller, less complex banking organizations such as the Company, and will be fully phased in by January
1, 2019. Until the rules are fully phased in, we cannot predict the ultimate impact it will have upon the financial condition or
results of operations of the Company.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Changes in tax laws could adversely affect our performance.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are subject to extensive federal,
state and local taxes, including income, excise, sales/use, payroll, franchise, withholding and ad valorem taxes. Changes to our
taxes could have a material adverse effect on our results of operations. In addition, our customers are subject to a wide variety
of federal, state and local taxes. Changes in taxes paid by our customers may adversely affect their ability to purchase homes
or consumer products, which could adversely affect their demand for our loans and deposit products. In addition, such negative
effects on our customers could result in defaults on the loans we have made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Our success depends upon our ability to attract and
retain key personnel.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our success depends upon the continued
service of our senior management team and upon our ability to attract and retain qualified financial services personnel. Competition
for qualified employees is intense. We cannot assure you that we will be able to retain our existing key personnel or attract additional
qualified personnel. If we lose the services of our key personnel, or are unable to attract additional qualified personnel, our
business, financial condition and results of operations could be adversely affected.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We depend upon the accuracy and completeness of information
about customers.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In deciding whether to extend credit
or enter into other transactions with customers, we may rely on information provided to us by customers, including financial statements
and other financial information. We may also rely on representations of customers as to the accuracy and completeness of that information
and, with respect to financial statements, on reports of independent auditors. For example, in deciding whether to extend credit
to a business, we may assume that the customer&rsquo;s audited financial statements conform with generally accepted accounting
principles and present fairly, in all material respects, the financial condition, results of operations and cash flows of the customer,
and we may also rely on the audit report covering those financial statements. Our financial condition and results of operations
could be negatively impacted to the extent we rely on financial statements that do not comply with generally accepted accounting
principles or that are materially misleading.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>The preparation of our financial statements requires
the use of estimates that may vary from actual results.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The preparation of consolidated financial
statements in conformity with accounting principles generally accepted in the U.S. requires management to make significant estimates
that affect the financial statements. Two of our most critical estimates are the level of the allowance for loan losses and the
accounting for goodwill and other intangibles. Because of the inherent nature of these estimates, we cannot provide complete assurance
that we will not be required to adjust earnings for significant unexpected loan losses, nor that we will not recognize a material
provision for impairment of our goodwill. For additional information regarding these critical estimates, see Item 7. Management&rsquo;s
Discussion and Analysis of Financial Condition and Results of Operations beginning on page 31 of our Annual Report on Form 10-K
for the fiscal year ended December 31, 2013. See &ldquo;Where You Can Find More Information&rdquo; and &ldquo;Incorporation of
Certain Information by Reference&rdquo; in this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Changes in accounting standards could impact our results
of operations.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The accounting standard setters, including
the Financial Accounting Standards Board, the SEC and other regulatory bodies, periodically change the financial accounting and
reporting standards that govern the preparation of our consolidated financial statements. These changes can be difficult to predict
and can materially affect how we record and report our financial condition and results of operations. In some cases, we could be
required to apply a new or revised standard retroactively, which would result in the restatement of our financial statements for
prior periods.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Our information systems may experience an interruption
or security breach.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We rely heavily on communications and
information systems to conduct our business. Any failure, interruption or breach in security of these systems could result in failures
or disruptions in our customer relationship management, general ledger, deposit, loan and other systems. While we have policies
and procedures designed to prevent or limit the effect of the possible failure, interruption or security breach of our information
systems, there can be no assurance that any such failure, interruption or security breach will not occur or, if they do occur,
that they will be adequately addressed. The occurrence of any failure, interruption or security breach of our information systems
could damage our reputation, result in a loss of customer business, subject us to additional regulatory scrutiny, or expose us
to civil litigation and possible financial liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We may elect or be compelled to seek additional capital
in the future, but capital may not be available when it is needed.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are required by federal and state
regulatory authorities to maintain adequate levels of capital to support our operations. In addition, federal banking agencies
have proposed extensive changes to their capital requirements, including raising required amounts and eliminating the inclusion
of certain instruments from the calculation of capital. The final form of such regulations and their impact on the Company is unknown
at this time, but may require us to raise additional capital. In addition, we may elect to raise additional capital to support
our business or to finance acquisitions, if any, or we may otherwise elect to raise additional capital. Our ability to raise additional
capital, if needed, will depend on conditions in the capital markets, economic conditions and a number of other factors, many of
which are outside our control, and on our financial performance. Accordingly, we cannot be assured of our ability to raise additional
capital if needed or on terms acceptable to us. If we cannot raise additional capital if and when needed, it may have a material
adverse effect on our financial condition, results of operations and prospects.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Strong competition within our market area may reduce
our ability to attract and retain deposits and originate loans.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We face competition both in originating
loans and in attracting deposits within our market area. We compete for clients by offering personal service and competitive rates
on our loans and deposit products. The type of institutions we compete with include large regional financial institutions, community
banks, thrifts and credit unions operating within our market areas. Nontraditional sources of competition for loan and deposit
dollars come from captive auto finance companies, mortgage banking companies, internet banks, brokerage companies, insurance companies
and direct mutual funds. As a result of their size and ability to achieve economies of scale, certain of our competitors offer
a broader range of products and services than we offer. We expect competition to remain intense in the future as a result of legislative,
regulatory and technological changes and the continuing trend of consolidation in the financial services industry. In addition,
to stay competitive in our markets we may need to adjust the interest rates on our products to match the rates offered by our competitors,
which could adversely affect our net interest margin. As a result, our profitability depends upon our continued ability to successfully
compete in our market areas while achieving our investment objectives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We may be the subject of litigation which could result
in legal liability and damage to our business and reputation.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">From time to time, we may be subject
to claims or legal action from customers, employees or others arising out of our businesses. Financial institutions like the Company
and State Bank are facing a growing number of significant class actions, including those based on the manner of calculation of
interest on loans and the assessment of overdraft fees. Future litigation could include claims for substantial compensatory and/or
punitive damages or claims for indeterminate amounts of damages. We are also involved from time to time in other reviews, investigations
and proceedings (both formal and informal) by governmental and other agencies regarding our business. These matters also could
result in adverse judgments, settlements, fines, penalties, injunctions or other relief. Like other financial institutions, we
are also subject to risk from potential employee misconduct, including non-compliance with policies and improper use or disclosure
of confidential information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our insurance may not cover all claims
that may be asserted against us, and any claims asserted against us, regardless of merit or eventual outcome, may harm our reputation.
Should the ultimate judgments or settlements in any litigation exceed our insurance coverage, they could have a material adverse
effect on our financial condition and results of operations. In addition, we may not be able to obtain appropriate types or levels
of insurance in the future, nor may we be able to obtain adequate replacement policies with acceptable terms, if at all.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Risk Factors Related to the Depositary Shares and the
Series A Preferred Shares</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>The Series A Preferred Shares (and, therefore, the
depositary shares) are equity and are junior to all of our existing and future indebtedness. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Series A Preferred Shares (and, therefore,
the depositary shares) are equity interests in the Company and do not constitute indebtedness. The depositary shares, which represent
fractional interests in the Series A Preferred Shares, rank junior to all existing and future indebtedness and other non-equity
claims on the Company with respect to assets available to satisfy claims on the Company, including in a liquidation of the Company.
Additionally, unlike indebtedness, where principal and interest would customarily be payable on specified due dates, in the case
of perpetual preferred stock like the Series A Preferred Shares, there is no stated maturity date and dividends are payable only
if, when and as authorized and declared by our board of directors in its sole discretion and depend on, among other matters, our
historical and projected results of operations, liquidity, cash flows, capital levels, financial condition, debt service requirements
and other cash needs, financing covenants, applicable state law, federal and state regulatory prohibitions and other restrictions
and any other factors our board of directors deems relevant at the time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">At June 30, 2014, the Company had outstanding
$20.6 million of junior subordinated debentures which were issued to trusts formed by the Company for the purpose of issuing trust
preferred securities. If (i)&nbsp;there has occurred and is continuing an event of default under the junior subordinated debentures
or (ii)&nbsp;the Company has given notice of its election to defer payments of interest on the junior subordinated debentures or
such a deferral has commenced and is continuing, then the Company, and in certain cases its affiliates, may not declare or pay
any dividends or distributions on, or redeem, purchase, acquire or make a liquidation payment with respect to, any of its, and
in certain cases its affiliates&rsquo;, capital stock (including the Series A Preferred Shares and, therefore, the depositary shares).
The Company redeemed $10.3 million of its outstanding junior subordinated debentures on September 7, 2014.<I> </I> See &ldquo;Use
of Proceeds&rdquo; beginning on page 32 of this prospectus.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In addition, the terms of the Series
A Preferred Shares do not limit the amount of debt or other obligations we or our subsidiaries may incur in the future. Accordingly,
we and our subsidiaries may incur substantial amounts of additional debt and other obligations that will rank senior to the Series
A Preferred Shares or to which the Series A Preferred Shares will be structurally subordinated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We are not required to declare dividends on the Series
A Preferred Shares, and dividends on the Series A Preferred Shares are non-cumulative. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Dividends on the Series A Preferred Shares
(and, therefore, the depositary shares) are discretionary and will not be cumulative. If our board of directors or a duly authorized
committee of our board of directors does not declare a dividend on the Series A Preferred Shares in respect of a dividend period,
then no dividend will be deemed to have accrued for such dividend period, be payable on the applicable dividend payment date or
be cumulative, and we will have no obligation to pay any dividend for that dividend period, whether or not our board of directors
or a duly authorized committee of our board of directors declares a dividend on the Series A Preferred Shares for any subsequent
dividend period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Our ability to pay dividends on the Series A Preferred
Shares (and, therefore, the depositary shares) may be limited by federal regulatory considerations and the results of operations
of State Bank. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Neither the depositary shares nor the
Series A Preferred Shares are savings accounts, deposits or other obligations of any depository institution and are not insured
or guaranteed by the FDIC or any other governmental agency or instrumentality. Furthermore, the Company is a legal entity that
is separate and distinct from State Bank and its other subsidiaries, which have no obligation, contingent or otherwise, to make
any payments in respect of the Series A Preferred Shares or the depositary shares, or to make funds available therefor. Because
the Company is a holding company that maintains only limited cash, its ability to pay dividends on the Series A Preferred Shares
(and, therefore, the depositary shares) will be highly dependent upon the receipt of dividends and other distributions from State
Bank and its other subsidiaries, which, in turn, will be highly dependent upon the historical and projected results of operations,
liquidity, cash flows and financial condition of State Bank and the Company&rsquo;s other subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">There are also various legal and regulatory
prohibitions and other restrictions on the ability of State Bank to pay dividends, extend credit or otherwise transfer funds to
the Company. Various federal and state statutory provisions and regulations limit the amount of dividends that State Bank may pay
to the Company without regulatory approval. Generally, subject to certain minimum capital requirements, State Bank may declare
a dividend without the approval of the State of Ohio Division of Financial Institutions so long as the total of the dividends in
a calendar year does not exceed State Bank&rsquo;s total net income for that year combined with its retained net income for the
two preceding years. Dividend payments to the Company from State Bank may also be prohibited if such payments would impair the
capital of State Bank and in certain other cases. See &ldquo;Business &mdash; Supervision and Regulation&rdquo; beginning on page
39 of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Company also is subject to various
legal and regulatory policies and requirements impacting the Company&rsquo;s ability to pay accrued or future dividends on the
Series A Preferred Shares. In addition, as a matter of policy, the Federal Reserve may restrict or prohibit the payment of dividends
on the Series A Preferred Shares if (i)&nbsp;the Company&rsquo;s net income available to shareholders for the past four quarters,
net of dividends previously paid during that period, is not sufficient to fully fund the dividends; (ii)&nbsp;the Company&rsquo;s
prospective rate of earnings retention is not consistent with its capital needs and overall current and prospective financial condition;
(iii)&nbsp;the Company will not meet, or is in danger of not meeting, its minimum regulatory capital ratios; or (iv)&nbsp;the Federal
Reserve otherwise determines that the payment of dividends would constitute an unsafe or unsound practice. Recent and future regulatory
developments may result in additional restrictions on the Company&rsquo;s ability to pay dividends.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>Investors in our depositary shares may experience losses and
volatility, and we may reduce, delay or cancel payment of our dividends in a variety of circumstances.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our earnings, cash flow, book value and dividends
may fluctuate. Although we intend to pay a regular dividend on the Series A Preferred Shares (and, therefore, the depositary shares)
at a specific rate, we may reduce, delay or cancel our dividend payments in the future for a variety of reasons. We may not provide
public warnings of such dividend reductions, cancellations or payment delays prior to their occurrence.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, the depositary shares may trade
at prices higher or lower than their initial offering price, and investors may experience volatile returns and material losses.
The trading price of the depositary shares may depend on many factors, including:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; text-align: left; vertical-align: top">&#9679;</TD>
    <TD>the market price of our common shares;</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; text-align: left; vertical-align: top">&#9679;</TD>
    <TD>any changes in prevailing interest rates;</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; text-align: left; vertical-align: top">&#9679;</TD>
    <TD>the market for similar securities;</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; text-align: left; vertical-align: top">&#9679;</TD>
    <TD>additional issuances by us of other series or classes of preferred shares or debt;</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; text-align: left; vertical-align: top">&#9679;</TD>
    <TD>general economic conditions or conditions in the financial markets; and</TD></TR>
</TABLE>


<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 0; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; text-align: left; vertical-align: top">&#9679;</TD>
    <TD>fluctuations in our current and prospective earnings, cash flow and dividends.</TD></TR>
</TABLE>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>The Series A Preferred Shares may be junior
in rights and preferences to our future preferred shares. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Subject to approval by the holders of
at least two-thirds (2/3) of the Series A Preferred Shares then outstanding, voting as a separate class, we may issue preferred
shares in the future the terms of which are expressly senior to the Series A Preferred Shares. The terms of any such future preferred
shares expressly senior to the Series A Preferred Shares may prohibit or otherwise restrict dividend payments on the Series A Preferred
Shares. For example, the terms of any such senior preferred shares may provide that, unless full dividends for all of our outstanding
preferred shares senior to the Series A Preferred Shares have been paid for the relevant periods, no dividends will be paid on
the Series A Preferred Shares, and no Series A Preferred Shares may be repurchased or otherwise acquired by us. In addition, in
the event of our liquidation, dissolution or winding-up, the terms of any such senior preferred shares would likely prohibit us
from making any payments on the Series A Preferred Shares until all amounts due to holders of such senior preferred shares are
paid in full.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>You are making an investment decision about both the
depositary shares and the Series A Preferred Shares, which are different securities. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">As described in this prospectus, we are
issuing depositary shares representing fractional interests in our Series A Preferred Shares. The depositary will rely solely on
the payments it receives on the Series A Preferred Shares to fund all payments on the depositary shares. You should carefully review
the information in this prospectus regarding both of these securities because their rights and privileges are different.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>There has been no prior market for the depositary shares
and, although we intend to list the depositary shares on the NASDAQ Capital Market, we do not expect that an active trading market
for depositary shares will develop, which means that you may not be able to sell your depositary shares promptly at desired prices
or at all.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have applied for the depositary shares
to be listed on the NASDAQ Capital Market under the symbol &ldquo;____.&rdquo; If the application for listing is approved, trading
of the depositary shares is expected to commence within 30 days following the initial issuance of the depositary shares. However,
since the size of this offering is relatively small, we do not expect that an active and liquid trading market for depositary shares
will develop or be sustained in the future. If an active trading market does not develop, you may not be able to sell your depositary
shares promptly, or at all. You should consider carefully the limited liquidity of your investment before purchasing any of the
depositary shares.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The offering price of depositary shares
may bear no relationship to the price at which such shares will trade upon completion of this offering. The stock market has experienced
significant price and volume fluctuations recently and you may not be able to resell your depositary shares promptly or at all
at or above the initial public offering price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>Holders of the Series A Preferred Shares and depositary
shares have only limited voting rights. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The holders of the Series A Preferred
Shares (and, therefore, the depositary shares) will have no voting rights except with respect to certain fundamental changes in
the terms of the Series A Preferred Shares and certain other matters and except as may be required by applicable law. See &ldquo;Description
of Series A Preferred Shares&mdash;Voting Rights&rdquo; in this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We are subject to extensive regulation, and ownership
of the depositary shares may have regulatory implications for holders thereof. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are subject to extensive federal and
state banking laws, including the Bank Holding Company Act of 1956, as amended (the &ldquo;BHCA&rdquo;), and federal and state
banking regulations, that impact the rights and obligations of owners of the Series A Preferred Shares (and, therefore, the depositary
shares), including, for example, our ability to declare and pay dividends on the Series A Preferred Shares (and, therefore, the
depositary shares). Although we do not believe the Series A Preferred Shares are considered &ldquo;voting securities&rdquo; currently,
if they were to become voting securities for the purposes of the BHCA, a holder of 10% or more of the Series A Preferred Shares,
or a holder of a lesser percentage of our Series A Preferred Shares that is deemed to exercise a &ldquo;controlling influence&rdquo;
over us, may become subject to regulation under the BHCA. In addition, if the Series A Preferred Shares become &ldquo;voting securities,&rdquo;
then (a)&nbsp;any bank holding company or foreign bank that is subject to the BHCA may need approval to acquire or retain more
than 5% of the then outstanding Series A Preferred Shares, and (b)&nbsp;any holder (or group of holders acting in concert) may
need regulatory approval to acquire or retain 10% or more of the Series A Preferred Shares. A holder or group of holders may also
be deemed to control us if they own one-third or more of our total equity, both voting and non-voting, aggregating all shares held
by the investor across all classes of stock. Holders of the depositary shares should consult their own counsel with regard to regulatory
implications of the ownership thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.45pt 0 0"><B><I>The conversion rights for the Series A Preferred
Shares and the depositary shares may not have any value.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 11.75pt 0 0; text-indent: 0.5in">Each Series A Preferred Share, at
the option of the holder, is convertible at any time into the number of our common shares equal to $1,000.00 divided by the conversion
price then in effect, which initially will be $[&#9679;]. Accordingly, each depositary share is convertible at your option into
the number of our common shares equal to $10.00 divided by the conversion price then in effect (initially $[&#9679;]). The initial
conversion price of $[&#9679;] is equivalent to a 17.5% premium over $[&#9679;] per common share, the last reported sale price of
our common shares on [&#9679;], 2014. The right to convert the Series A Preferred Shares (and, therefore, the depositary shares)
will only have value in the event that the value of our common shares exceeds the conversion price.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B><I>You may have to pay taxes if we make or fail to make certain
adjustments to the conversion price of the Series A Preferred Shares (and, therefore, the depositary shares) even though you do
not receive a corresponding distribution.</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The conversion price of the Series A Preferred
Shares (and, therefore, the depositary shares) <FONT STYLE="letter-spacing: 0.1pt">is subject to adjustment in certain circumstances.
If the conversion price is adjusted, under certain circumstances you may be treated as having received a constructive dividend
from us, resulting in income to you for U.S. federal income tax purposes, even though you would not receive any cash related to
that adjustment and even though you might not exercise your conversion right. In addition, if we fail to make (or adequately make)
an adjustment to the conversion price after an event that increases your proportionate interest in us, you may be deemed to have
received a taxable dividend.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt"></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Risk Factors Related to Our Common Shares</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>A limited trading market exists for our common shares
which could lead to price volatility.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Your ability to sell our common shares
depends upon the existence of an active trading market for our common shares. While our stock is quoted on the NASDAQ Global Market,
it trades infrequently. As a result, you may be unable to sell our common shares at the volume, price and time you desire. The
limited trading market for our common shares may cause fluctuations in the market value of our common shares to be exaggerated,
leading to price volatility in excess of that which would occur in a more active trading market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>The market price of our common shares may be subject
to fluctuations and volatility. </I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The market price of our common shares
may fluctuate significantly due to, among other things, changes in market sentiment regarding our operations, financial results
or business prospects, the banking industry generally or the macroeconomic outlook. Factors that could impact our trading price
include:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>our operating and financial results, including how those results vary from the expectations of management, securities analysts
and investors;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>developments in our business or operations or in the financial sector generally;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>the sale of the depositary shares in this offering, and any future offerings by us of debt or preferred shares, which would
be senior to our common shares upon liquidation and for purposes of dividend distributions;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>legislative or regulatory changes affecting our industry generally or our business and operations specifically;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>the operating and stock price performance of companies that investors consider to be comparable to us;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>announcements of strategic developments, acquisitions and other material events by us or our competitors;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>expectations of (or actual) equity dilution, including the actual or expected dilution to various financial measures, including
earnings per share, that may be caused by this offering;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>actions by our current shareholders, including future sales of common shares by existing shareholders, including our directors
and executive officers; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in">&#9679;</TD><TD>other changes in U.S. or global financial markets, global economies and general market conditions, such as interest or foreign
exchange rates, stock, commodity, credit or asset valuations or volatility.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Equity markets in general and our common
shares in particular have experienced considerable volatility over the past few years. The market price of our common shares may
continue to be subject to volatility unrelated to our operating performance or business prospects. Increased volatility could result
in a decline in the market price of our common shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>The sale of substantial amounts of our common shares
or securities convertible into our common shares, including the Series A Preferred Shares or the depositary shares, in the public
market could depress the price of our common shares.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In recent years, the stock market has
experienced a high level of price and volume volatility, and market prices for the stock of many companies have experienced wide
fluctuations that have not necessarily been related to their operating performance. Therefore, our shareholders may not be able
to sell their shares at the volumes, prices, or times that they desire. We cannot predict the effect, if any, that future sales
of our common shares or securities convertible into our common shares, such as the Series A Preferred Shares (and, therefore, the
depositary shares), in the market, or availability of shares of our common shares or securities convertible into our common shares
for sale in the market, will have on the market price of our common shares. We can give no assurance that sales of substantial
amounts of our common shares or securities convertible into our common shares in the market, or the potential for large amounts
of sales in the market, would not cause the price of our securities to decline or impair our ability to raise capital through sales
of our common shares.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left"><I>Investors could become subject
to regulatory restrictions upon ownership of our common shares.</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left; text-indent: 0.5in"><FONT STYLE="font-weight: normal">Under
the federal Change in Bank Control Act, a person may be required to obtain prior approval from the Federal Reserve before acquiring
the power to directly or indirectly control our management, operations, or policy or before acquiring 10% or more of our common
shares. Because the Series A Preferred Shares and depositary shares are convertible into our common shares, potential investors
who seek to participate in this offering should evaluate whether they could become subject to the approval and other requirements
of this federal statute and related rules and regulations. </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B><I>We have implemented anti-takeover devices that could
make it more difficult for another company to purchase us, even though such a purchase may increase shareholder value.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In many cases, shareholders may receive
a premium for their shares if we were purchased by another company. Ohio law and our Articles and Amended and Restated Regulations,
as amended (&ldquo;Regulations&rdquo;), make it difficult for anyone to purchase us without the approval of our board of directors.
Consequently, a takeover attempt may prove difficult, and shareholders may not realize the highest possible price for their securities.
See &ldquo;Description of Common Shares &mdash; Anti-Takeover Effects of our Articles and Regulations and Ohio Law&rdquo; beginning
on page <FONT STYLE="letter-spacing: 0.1pt">64</FONT> of this prospectus.</P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_008"></A>DESCRIPTION OF THE OFFERING</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left; text-indent: 0">Offering
Priorities and Purchase Limitations</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are offering up to 1,500,000 depositary
shares for sale to the public in the following order of priority: (1) to our existing shareholders; (2) to our customers and members
of the communities we serve; and (3) to the extent that depositary shares remain available for purchase, in a syndicated offering
managed by KBW. The minimum number of depositary shares you may purchase in the offering is 100 depositary shares. The maximum
number of depositary shares that you may purchase in the offering is the lesser of (i) 250,000 depositary shares or (ii) the number
of depositary shares, assuming conversion of such depositary shares into our common shares, whereby your total beneficial ownership
of our common shares (including any common shares currently owned) would not exceed 5% of our outstanding common shares after the
offering. The filling of subscriptions received in the offering will depend on the availability of depositary shares after satisfaction
of all subscriptions having a higher priority in the offering and to the minimum, maximum and overall purchase limitations. All
subscription orders submitted in the offering will be subject to our right, in our sole discretion, to accept or reject any such
orders in whole or in part either at the time of receipt of an order or as soon as practicable following the expiration date of
the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in"><B><I>Priority 1 &ndash; Existing Shareholders</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each shareholder of SB Financial who is a beneficial
owner of our common shares will be given the opportunity to purchase, subject to the overall purchase limitations, up to the lesser
of (a) 250,000 depositary shares ($2,500,000), or (b) the number of depositary shares, assuming conversion of such depositary shares
into our common shares, whereby the purchaser&rsquo;s total beneficial ownership of our common shares (including any common shares
currently owned) would not exceed 5% of our outstanding common shares after the offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If there are not sufficient depositary shares
available to satisfy all subscriptions in the shareholder offering, shares will first be allocated so as to permit each shareholder
subscriber to purchase a number of depositary shares equal to the lesser of (i) [&#9679;] depositary shares ($[&#9679;]) or (ii)
the number of depositary shares for which he or she subscribed. The unallocated depositary shares will then be allocated to each
shareholder subscriber whose subscription remains unsatisfied in the proportion in which the aggregate number of shares as to which
each such shareholder subscription remains unsatisfied bears to the aggregate number of shares as to which all shareholder subscriptions
remain unsatisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Priority 2 &ndash; Customers and Residents
of Local Community</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">To the extent that depositary shares remain
available for purchase after satisfaction of all subscriptions in the shareholder offering, we may offer depositary shares to customers
of State Bank and to residents of the local communities we serve. For this purpose, you will be considered to be a resident of
the &ldquo;local communities&rdquo; we serve if you reside in any of the following counties: Allen, Defiance, Franklin, Fulton,
Lucas, Paulding, Wood and Williams Counties, Ohio; and Allen and Steuben Counties, Indiana.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Customers of State Bank and residents of our
local communities will be given the opportunity to purchase, subject to the overall purchase limitations, up to the lesser of (a)
250,000 depositary shares ($2,500,000), or (b) the number of depositary shares, assuming conversion of such depositary shares into
our common shares, whereby the purchaser&rsquo;s total beneficial ownership of our common shares (including any common shares currently
owned) would not exceed 5% of our outstanding common shares after the offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If there are not sufficient depositary shares
available to satisfy all subscriptions in customer and community offering, shares will first be allocated so as to permit each
customer/community subscriber to purchase a number of depositary shares equal to the lesser of (i) [&#9679;] depositary shares ($[&#9679;])
or (ii) the number of depositary shares for which he or she subscribed. The unallocated depositary shares will then be allocated
to each customer/community subscriber whose subscription remains unsatisfied in the proportion in which the aggregate number of
shares as to which each such customer/community subscription remains unsatisfied bears to the aggregate number of shares as to
which all customer/community subscriptions remain unsatisfied.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Priority 3 &ndash; Syndicated Offering</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We may offer depositary shares to interested
investors without regard to the investor&rsquo;s status as either an existing shareholder of SB Financial or customer of State
Bank, and without regard to the investor&rsquo;s place of residence, in a syndicated offering in a manner that will achieve a widespread
distribution of our depositary shares to the general public.&nbsp;&nbsp;The syndicated offering may begin concurrently with, during
or after the commencement or termination of the shareholder and customer/community offerings, but priority will be given to shareholder
and customer/community subscriptions in filling orders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">If a syndicated offering is held, KBW
will serve as sole placement agent and will assist us in selling our depositary shares on a best efforts basis.&nbsp;&nbsp;In such
capacity, KBW may form a syndicate of other broker-dealers who are Financial Industry Regulatory Authority member firms.&nbsp;&nbsp;Neither
KBW nor any registered broker-dealer will have any obligation to take or purchase any of the depositary shares sold in the syndicated
offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In the syndicated offering, any person
may purchase up to the lesser of (1) 250,000 depositary shares ($2,500,000), or (2) the amount of depositary shares, assuming conversion
of such depositary shares into our common shares, whereby the purchaser&rsquo;s beneficial ownership of our common shares would
not exceed 5% of our outstanding common shares after the offering. If there are not sufficient depositary shares available to satisfy
all subscriptions received in the syndicated offering, shares will be allocated to each such subscriber whose subscription remains
unsatisfied in the proportion in which the aggregate number of shares as to which each such syndicated offering subscription remains
unsatisfied bears to the aggregate number of shares as to which all such syndicated offering subscriptions remain unsatisfied.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Procedure for Purchasing Shares in the Offering</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Expiration Date</I></B>. The offering
will expire at 12:00 noon, Eastern Time, on <B>[&#9679;]</B>, 2014, unless we extend it for up to 45 days. This extension may be
approved by us, in our sole discretion, without further approval or additional notice to subscribers in the offering. If the offering
is extended past <B>[&#9679;]</B>, 2014, we will resolicit subscribers. In such event, you will have the opportunity to confirm,
change or cancel your order within a specified period of time. If you do not respond during that period, your subscription will
be cancelled and the funds that you submitted will be returned promptly without interest. We will not accept any subscription until
at least a minimum of 1,000,000 of depositary shares have been sold. If we have not sold the minimum of 1,000,000 depositary shares
by the expiration date of the offering, or any extension thereof, we will terminate the offering and cancel all orders, and payment
will be returned promptly to the subscribers without interest. No single extension will exceed 90 days, and aggregate extensions
may not go beyond <B>[&#9679;]</B>, 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We reserve the right in our sole discretion
to terminate the offering at any time and for any reason, in which case we will promptly return all funds submitted without interest.
We have the right to reject, in our sole discretion, any subscription submitted in the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Use of Order Forms</I></B>. To
purchase depositary shares in the offering, you must complete and sign an original order form and remit full payment. We will not
be required to accept incomplete order forms, unsigned order forms, or orders submitted on photocopied or facsimiled order forms.
All order forms must be received (not postmarked) prior to 12:00 noon, Eastern Time, on <B>[&#9679;]</B>, 2014, unless the expiration
date of the offering is extended as described above. We are not required to accept order forms that are not received by that deadline,
are executed defectively or are received without full payment. A postmark prior to the expiration date of the offering will not
entitle you to purchase depositary shares unless we receive the envelope by that deadline. We are not required to notify subscribers
of incomplete or improperly executed order forms. We have the right to permit the correction of incomplete or improperly executed
order forms or waive immaterial irregularities. We do not represent, however, that we will do so. You may submit your order form
and payment by mail using the order reply envelope provided, by overnight delivery to our Offering Information Center at the address
indicated on the order form or by hand-delivery to SB Financial&rsquo;s executive offices located at 401 Clinton Street, Defiance,
Ohio 43512. Order forms may not be delivered to any other branches or locations of SB Financial or State Bank. Please do not mail
order forms to SB Financial or any of State Bank&rsquo;s branches. Once tendered, an order form cannot be modified or revoked without
our consent or unless the offering is terminated or is extended beyond <B>[&#9679;]</B>, 2014. We reserve the absolute right, in
our sole discretion, to reject orders received in the offering, in whole or in part, at the time of receipt or at any time prior
to completion of the offering.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">By signing the order form, you will be
acknowledging that the depositary shares being purchased, and the underlying Series A Preferred Shares, are not a deposit or savings
account and are not federally insured or otherwise guaranteed by the Company or the federal government, and that you received a
copy of this prospectus prior to making any investment decision. However, signing the order form will not result in you waiving
your rights under the Securities Act of 1933 or the Securities Exchange Act of 1934.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Payment for Shares</I></B>. Payment
for all depositary shares will be required to accompany all completed order forms for the subscription to be valid. Payment for
depositary shares may be made by personal check, bank check or money order, payable to &ldquo;U.S. Bank/SBFG &ndash; Escrow Account&rdquo;.
You may not use cash, wires or a check drawn on a State Bank line of credit, and we will not accept third-party checks (<I>i.e.</I>,
a check written by someone other than you) payable to you and endorsed over to U.S. Bank/SBFG Escrow Account. Checks and money
orders will be immediately cashed and placed in a segregated account at U.S. Bank, which will serve as our escrow agent for the
offering. Wire transfers will not be accepted for payment during the shareholder and customer/community offerings. <B>U.S. Bank
is acting only as an escrow agent in connection with the offering of securities described herein, and has not endorsed, recommended
or guaranteed the purchase, value or repayment of such securities.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In the syndicated offering, payments
must be made in immediately available funds (i.e., bank check, money order or wire transfer). Personal checks will not be accepted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have the right, in our sole discretion,
to permit institutional investors to submit irrevocable orders together with the legally binding commitment for payment and to
thereafter pay for the depositary shares for which they subscribe at any time prior to 48 hours before the completion of the offering.
This payment may be made by wire transfer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Using Retirement Account Funds.
</I></B>If you are interested in using your individual retirement account funds to purchase depositary shares, you must do so through
a self-directed individual retirement account such as a brokerage firm individual retirement account. By regulation, State Bank's
individual retirement accounts are not self-directed, so they cannot be invested in depositary shares. If you wish to use your
funds that are currently in a State Bank individual retirement account or other retirement account, the funds you wish to use for
the purchase of depositary shares will have to be transferred to a brokerage account with a broker who is willing and able to facilitate
your purchase in the offering, before you place your order for depositary shares. It may take several weeks to transfer your State
Bank individual retirement account to an independent custodian or trustee, so please allow yourself sufficient time to take this
action. There will be no early withdrawal or Internal Revenue Service (&ldquo;IRS&rdquo;) interest penalties for these transfers.
Depositors interested in using funds in an individual retirement account or any other retirement account to purchase depositary
shares should contact our Offering Information Center as soon as possible, preferably at least two weeks prior to the end of the
offering period, because processing such transactions takes additional time, and whether such funds can be used may depend on limitations
imposed by the institutions where such funds are currently held. We cannot guarantee that you will be able to use such funds. An
annual administrative fee may be payable to the independent custodian or trustee.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">How You Can Obtain Additional Information&mdash;Offering
Information Center</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left; text-indent: 0.5in"><FONT STYLE="font-weight: normal">Our
banking personnel are prohibited by law from assisting with investment-related questions about the offering. If you have questions
regarding the offering, please call our Offering Information Center. The toll-free telephone number is (____) ________. The Offering
Information Center is open Monday through Friday, between 10:00 a.m. and 4:00 p.m., Eastern Time. The Offering Information Center
will be closed on weekends and bank holidays.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left"><FONT STYLE="font-weight: normal"></FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_009"></A>USE OF PROCEEDS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">We expect to receive net proceeds from
the sale of depositary shares in this offering, after deducting estimated placement agent fees and other offering expenses payable
by us, of (i) approximately $[&#9679;] if we sell the maximum of 1,500,000 depositary shares in this offering and (ii) approximately
$[&#9679;] if we sell the minimum of 1,000,000 depositary shares in this offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">We intend
to use approximately $7.0 million of </FONT>the net proceeds of the <FONT STYLE="letter-spacing: 0.05pt">sale of the depositary
shares to fund a portion of the cost of redemption of the Company&rsquo;s </FONT>junior subordinated debentures underlying the
trust preferred securities issued by the Company&rsquo;s subsidiary, RST I.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">RST I was established in August 2000 and, in
September 2000, completed a pooled private offering of 10,000 trust preferred securities with a liquidation amount of $1,000 per
security. The proceeds of the offering were loaned to the Company in exchange for $10 million in principal amount of 10.60% fixed-rate
junior subordinated debentures of the Company. The terms of the junior subordinated debentures are substantially similar to the
terms of the trust preferred securities issued by RST I.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">On July 3, 2014, the Company informed the
trustee of RST I of the Company&rsquo;s intention to redeem all of the junior subordinated debentures underlying the trust
preferred securities prior to their contractual maturity date of September 7, 2030. The Company subsequently redeemed the
junior subordinated debentures on September 7, 2014 for an aggregate amount of $11.2 million, which included accrued interest
to the redemption date and approximately $424,000 in prepayment penalties. The Company used cash and a term loan from a
correspondent bank in the principal amount of $7.0 million to fund the redemption of the junior subordinated debentures. The
loan has a term of five years and requires the Company to make quarterly payments of interest and principal based on a 7-year
amortization schedule. The loan carries a variable interest rate equal to the 90-day LIBOR index rate plus 2.85%. As of
September 18, 2015, the loan&rsquo;s variable interest rate was 3.08%. The loan may be prepaid, in whole or in part, by
the Company at any time without penalty or premium. The Company intends to use approximately $7.0 million of the net proceeds
of this offering to prepay this term loan in full upon the completion of this offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We expect to use the remainder of the
net proceeds from the sale of the depositary shares, if any, for general corporate purposes, which may include (a) capital contributions
to our bank subsidiary to increase regulatory capital and/or (b) investments at the holding company level.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Until we utilize the net proceeds of
the offering, we expect to invest these funds temporarily in liquid, short-term high quality securities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The precise amounts and timing of our
use of the net proceeds from this offering will depend upon market conditions and the availability of other funds, among other
factors.</P>


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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_010"></A>CAPITALIZATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">The following
table sets forth our consolidated long-term indebtedness and capitalization at June 30, 2014, (i) on an actual basis, and (ii)
as adjusted to give effect to the redemption of $10.3 million of our outstanding junior subordinated debentures effective September
7, 2014, and the sale of a maximum offering of </FONT>1,500,000<FONT STYLE="letter-spacing: 0.1pt"> depositary shares at a public
offering price of $10.00 per depositary share</FONT>. <FONT STYLE="letter-spacing: 0.1pt">For purposes of this table, our estimated
net proceeds will be approximately $</FONT>14.0<FONT STYLE="letter-spacing: 0.1pt"> million, after deducting estimated placement
agent fees and other offering expenses. No other change in our consolidated capitalization since June 30, 2014 is reflected in
the table. This table should be read together with our consolidated financial statements and related notes incorporated by reference
into this prospectus.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">As of June 30, 2014</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Actual</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Adjustments</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">As Adjusted on a Pro Forma Basis</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="10" STYLE="font-weight: bold; text-align: center">(dollars in thousands, unaudited)</TD><TD STYLE="font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 10pt; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; padding-right: 0; padding-left: 10pt; text-indent: -10pt">Long-term debt</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 62%; text-align: left; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Subordinated debentures</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">20,620</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">(10,310</TD><TD STYLE="width: 3%; text-align: left">)<SUP>(1)</SUP></TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">10,310</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Federal Home Loan Bank advances</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">37,000</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">37,000</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 30pt; padding-right: 0; text-indent: -10pt">Total long-term debt</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">57,620</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(10,310</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">47,310</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10pt; padding-right: 0; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Shareholders' equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -10pt; padding-left: 20pt; padding-right: 0">Series A Preferred Shares, no par value, no shares authorized or issued; 15,000 pro forma shares authorized and issued</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">14,000</TD><TD STYLE="text-align: left"><SUP>(2)</SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">14,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -10pt; padding-left: 20pt; padding-right: 0">Common Shares, no par value, 5,027,433 shares issued, 5,027,433 pro forma shares issued</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">27,972</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Retained earnings</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,757</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Treasury shares, at cost - 152,302 common shares</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,627</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Accumulated other comprehensive income</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">908</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 30pt; padding-right: 0; text-indent: -10pt">Total shareholders&rsquo; equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">59,010</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">14,000</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">73,010</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10pt; padding-right: 0; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Total long-term debt and shareholders&rsquo; equity</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">116,630</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">3,690</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">120,320</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 10pt; padding-right: 0; text-indent: -10pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">Capital Ratios</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.67</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.55</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Total capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.05</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">13.80</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 20pt; padding-right: 0; text-indent: -10pt">Tier 1 capital to average assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.60</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.06</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>


<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>



<P STYLE="margin-top: 0; margin-bottom: 0"></P>


<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%"><FONT STYLE="letter-spacing: 0.1pt">(1)</FONT></TD><TD STYLE="width: 95%"><FONT STYLE="letter-spacing: 0.1pt">Reflects the redemption, effective as of September 7, 2014, of approximately $10.3 million
in principal amount of </FONT>junior subordinated debentures underlying the trust preferred securities.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%"><FONT STYLE="letter-spacing: 0.1pt">(2)</FONT></TD><TD STYLE="width: 90%">Reflects the sale of a maximum offering of 1,500,000 depositary shares representing fractional interests in 15,000 Series A
Preferred Shares in the offering, net of estimated placement agent fees and other offering expenses.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><A HREF="#toc" TITLE="Table of Contents" STYLE="font-weight: bold">Table of Contents</A></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_011"></A>PRICE RANGE OF COMMON SHARES
AND DIVIDENDS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Prior to this offering, there has been
no established market for the depositary shares. We have applied for the depositary shares to be listed on the NASDAQ Capital Market
under the symbol &ldquo;_______.&rdquo; If the application for listing is approved, trading of the depositary shares is expected
to commence within 30 days following the initial issuance of the depositary shares. However, we cannot assure you that purchasers
of the depositary shares will be able to sell them at or above the offering price set forth on the cover page of this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our common shares are listed on the NASDAQ Global
Market under the symbol &ldquo;SBFG.&rdquo; At September 15, 2014, we had 4,875,131common shares outstanding, which were held of
record by approximately 1,417 shareholders.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The following table sets forth quarterly
market price information and cash dividends paid per share for our common shares for periods indicated. The high and low sales
prices of our common shares reflect prices reported on the NASDAQ Global Market for trades occurring during normal trading hours.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Market Price Range</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">High</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Low</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Dividends Paid Per Share</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: left">2012</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: right">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 64%; text-align: left">First Quarter</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">4.00</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">2.60</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">-</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Second Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.22</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.80</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Third Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.02</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.17</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Fourth Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.25</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.20</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left">2013</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">First Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">9.55</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6.49</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">-</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Second Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.98</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.14</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.055</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">Third Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.35</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.51</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.030</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Fourth Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.45</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.45</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.035</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left">2014</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left">First Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">9.00</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">7.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.035</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Second Quarter</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.71</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.040</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Third Quarter (through September 19, 2014)</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.15</TD><TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="font-weight: bold">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.25<FONT STYLE="background-color: yellow"><B></B></FONT></TD><TD STYLE="font-weight: bold; text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.040</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>


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<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_012"></A>BUSINESS</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">SB Financial is an Ohio corporation and a bank
holding company registered under the Bank Holding Company Act of 1956, as amended. We were incorporated under Ohio law in 1983,
and we changed our name from Rurban Financial Corp. to SB Financial Group, Inc. effective April 18, 2013. Our principal executive
offices are located at 401 Clinton Street, Defiance, Ohio 43512, and our telephone number is (419) 783-8950. Our website address
is <U>www.yoursbfinancial.com</U>. The information on our website is not a part of or incorporated by reference in this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Through our wholly-owned subsidiaries, we are
engaged in a variety of activities, including commercial banking, item processing, insurance, and wealth management and trust services.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>State Bank</I> is our wholly-owned commercial
bank subsidiary. State Bank was formed in 1902 as The State Bank of Defiance County and changed its name to The State Bank and
Trust Company in 1956. SB Financial and State Bank have completed two acquisitions in the past 10 years. In December 2005, we acquired
Exchange Bancshares, Inc. and its subsidiary, The Exchange Bank, with five branch offices and total assets with an approximate
fair value of $85.2 million. In December 2008, we acquired NBM Bancorp, Incorporated and its subsidiary, National Bank of Montpelier,
with five branch offices and total assets with an approximate fair value of $113.4 million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">State Bank is an Ohio state-chartered bank that
offers a full range of commercial banking services, including checking accounts, savings accounts, money market accounts and time
certificates of deposit; automatic teller machines; commercial, consumer, agricultural and residential mortgage loans; personal
and corporate trust services; commercial leasing; bank credit card services; safe deposit box rentals; Internet and telephone banking;
and other personalized banking services. The trust and financial services division of State Bank offers various trust and financial
services, including asset management services for individuals and corporate employee benefit plans, as well as brokerage services
through Cetera Investment Services, an unaffiliated company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">State Bank presently operates 16 banking centers,
all located within the Ohio counties of Allen, Defiance, Fulton, Lucas, Paulding, Wood and Williams, and one banking center located
in Allen County, Indiana. State Bank also presently operates three loan production offices, two in Franklin County, Ohio and one
in Steuben County, Indiana. At June 30, 2014, State Bank had 193 full-time equivalent employees. At June 30, 2014, State Bank had
total net loans of approximately $499.6 million and total deposits of approximately $531.8 million.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>RDSI</I> is our wholly-owned item processing
subsidiary. RDSI has been in operation since 1964 and became an Ohio corporation in June 1976. RDSI has one operating location
in Defiance, Ohio. In September 2006, RDSI acquired Diverse Computer Marketers, Inc. (&ldquo;DCM&rdquo;) which was merged into
RDSI effective December 31, 2007 and now operates as a division of RDSI doing business as &ldquo;DCM&rdquo;. DCM has one operating
location in Lansing, Michigan providing item processing and related services to community banks located primarily in the Midwest.
At June 30, 2014, RDSI had 8 full-time equivalent employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">For the year ended December 31, 2013, State
Bank and RDSI accounted for substantially all of our consolidated revenue. The Company also owns and operates the following subsidiaries,
which are all wholly-owned by the Company or State Bank:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><I>RFCBC, Inc.</I> (&ldquo;RFCBC&rdquo;) is an Ohio corporation and wholly owned subsidiary of SB Financial that was incorporated
in August 2004. RFCBC operates as a loan subsidiary in servicing and working out problem loans.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><I>Rurban Mortgage Company</I> (&ldquo;RMC&rdquo;) is an Ohio corporation and wholly owned subsidiary of State Bank. RMC is
a mortgage company; however, it is presently inactive.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><I>Rurban Investments, Inc.</I> (&ldquo;RII&rdquo;) is a Delaware corporation and wholly owned subsidiary of State Bank. RII
is an investment company that engages in the purchases and sale of investment securities.</TD></TR></TABLE>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD><I>SBT Insurance, LLC</I> (&ldquo;SBI&rdquo;) is an Ohio corporation and wholly owned subsidiary of State Bank. SBI is an insurance
company that engages in the sale of insurance products to retail and commercial customers of State Bank.</TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Company experiences significant competition
in attracting depositors and borrowers. Competition in lending activities comes principally from other commercial banks in State
Bank&rsquo;s geographic markets, and to a lesser extent, from savings associations, insurance companies, governmental agencies,
credit unions, securities brokerage firms and pension funds. The primary factors in competing for loans are interest rates charged
and overall banking services.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">State Bank&rsquo;s competition for deposits
comes from other commercial banks, savings associations, money market funds and credit unions as well as from insurance companies
and securities brokerage firms. The primary factors in competing for deposits are interest rates paid on deposits, account liquidity
and convenience of office location. State Bank operates in the highly competitive trust services field and its competition consists
primarily of other bank trust departments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">RDSI operates in the highly competitive check
and statement processing service business, which consists primarily of data processing providers and commercial printers. The primary
factors in competition are price and printing capability.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have developed a regional community bank
model and have focused on putting in place high-performing lending personnel throughout our footprint. This model has enabled us
to consistently grow our loan portfolio in each of the last five years, from total net loans of $420.8 million at December 31,
2010 to $499.6 million at June 30, 2014. Our total net loans outstanding have increased in each of the last five quarters, and
in eight of the last ten quarters, all through organic growth.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our primary lending focus has been and continues
to be commercial real estate, residential real estate and commercial loans. Commercial real estate loans comprised 43% of our total
loan portfolio at each of June 30, 2014, December 31, 2013 and December 31, 2012. Residential real estate loans comprised 21% of
our total loan portfolio at June 30, 2014 and December 31, 2013, and 19% at December 31, 2012. Commercial loans comprised 18% of
our total loan portfolio at each of June 30, 2014, December 31, 2013 and December 31, 2012.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following table sets forth the amounts of
our gross loans outstanding, by loan category, as of June 30, 2014:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD></TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Total Gross Loans</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid">Loan Category</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">As of June&nbsp;30,<BR>
2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">(Dollars in thousands)</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; text-align: left">Commercial real estate</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">215,824</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Residential real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">105,054</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>Commercial</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">92,424</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Consumer &amp; Other</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">49,350</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-bottom: 1.5pt">Agriculture</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">43,475</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 4pt; padding-left: 10pt">Total loans</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">506,127</TD><TD STYLE="text-align: left; padding-bottom: 4pt">&nbsp;</TD></TR>
</TABLE>



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The risk characteristics of each loan portfolio
segment can be summarized as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Commercial and Agricultural</I>. Commercial
and agricultural loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral
provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans
may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets, such as accounts
receivable or inventory, and may include a personal guarantee. Short-term loans may be made on an unsecured basis. In the case
of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent
on the ability of the borrower to collect amounts due from its customers.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Commercial Real Estate including Construction</I>.
Commercial real estate loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial
real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on
the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial
real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy than residential
real estate loans. The characteristics of properties securing the Company&rsquo;s commercial real estate portfolio are diverse,
but with geographic location almost entirely in the Company&rsquo;s market area. Management monitors and evaluates commercial real
estate loans based on collateral, geography and risk grade criteria. In general, the Company avoids financing single purpose projects
unless other underwriting factors are present to help mitigate risk. In addition, management tracks the level of owner-occupied
commercial real estate versus non-owner-occupied loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Construction loans are underwritten utilizing
feasibility studies, independent appraisal reviews and financial analysis of the developers and property owners. Construction loans
are generally based on estimates of costs and value associated with the completed project. These estimates may be inaccurate. Construction
loans often involve the disbursement of substantial funds with repayment substantially dependent on the success of the ultimate
project. Sources of repayment for these types of loans may be pre-committed permanent loans from approved long-term lenders, sales
of developed property or an interim loan commitment from the Company until permanent financing is obtained. These loans are closely
monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment
being sensitive to interest rate changes, governmental regulation of real property, general economic conditions and the availability
of long-term financing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Residential and Consumer</I>. Residential
and consumer loans consist of two segments &ndash; residential mortgage loans and personal loans. Residential mortgage loans are
secured by 1-4 family residences and are generally owner-occupied, and the Company generally establishes a maximum loan-to-value
ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate
interest in 1-4 family residences, and consumer personal loans are secured by consumer personal assets, such as automobiles or
recreational vehicles. Some consumer personal loans are unsecured, such as small installment loans and certain lines of credit.
Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions
in their market areas, such as unemployment levels. Repayment can also be impacted by changes in property values on residential
properties. Risk is mitigated by the fact that these loans are of smaller individual amounts and spread over a large number of
borrowers.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following table sets forth our daily average
amount of loans and changes in our allowance for loan losses for the periods indicated:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; padding-right: 0; padding-left: 5; text-indent: -5">($ in thousands)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Six months ended June 30</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Year ended December 31,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 5; text-indent: -5">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2010</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2009</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">(unaudited)</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 16%; text-align: left; text-indent: -5; padding-left: 5; padding-right: 0">Daily average amount of loans net of unearned income</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">488,425</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">462,058</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">469,603</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">455,516</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">438,883</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">445,700</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">453,787</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 5; padding-right: 0">Allowance for loan losses at beginning of period</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,964</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,811</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,811</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,529</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,715</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7,030</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,020</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-right: 0; padding-left: 5; text-indent: -5">Loan charge-offs:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -5">Commercial and agricultural</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(607</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(400</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(642</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(4,739</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,248</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -5">Commercial real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(5</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(111</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(287</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(2,057</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(4,748</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(918</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -5">Residential real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(15</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(98</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(264</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(129</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(248</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,210</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">(1,218</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt; padding-left: 10pt; padding-right: 0; text-indent: -5">Consumer and other</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(30</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(245</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(443</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(512</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(460</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(637</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">(491</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 4pt; padding-right: 0; padding-left: 5; text-indent: -5">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(653</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(349</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(819</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(1,328</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(3,407</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(11,334</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 4pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 4pt double">(3,875</TD><TD STYLE="text-align: left; padding-bottom: 4pt">)</TD></TR>
</TABLE>



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<P STYLE="margin: 0">&nbsp;</P>

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<P STYLE="margin: 0">&nbsp;</P>

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    <TD STYLE="font-weight: bold; text-align: center; padding-right: 0; padding-left: 5; text-indent: -5">($ in thousands)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Six months ended June 30</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="18" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Year ended December 31,</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-weight: bold; text-align: center; padding-right: 0; padding-left: 5; text-indent: -5">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2014</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2010</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2009</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 5; text-indent: -5">&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center">(unaudited)</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-right: 0; padding-left: 5; text-indent: -5">Recoveries of loan previously charged-off:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -5; padding-left: 5; padding-right: 0">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 16%; text-align: left; text-indent: -5; padding-left: 10pt; padding-right: 0">Commercial and agricultural</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">13</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">16</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">22</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">48</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">468</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">193</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">50</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 10pt; padding-right: 0">Commercial real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">60</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">50</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">32</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">171</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 10pt; padding-right: 0">Residential real estate</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">14</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">21</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">86</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">700</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">53</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">54</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 10pt; padding-right: 0; padding-bottom: 1.5pt">Consumer and other</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">20</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">2</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">12</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">76</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">27</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">14</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">29</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -5; padding-left: 5; padding-right: 0">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">107</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">52</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">72</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">260</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,227</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">431</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">147</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -5; padding-left: 5; padding-right: 0">Net charge-offs</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(546</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(297</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(747</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(1,068</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(2,180</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(10,903</TD><TD STYLE="text-align: left">)</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">(3,728</TD><TD STYLE="text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 5; padding-right: 0">Provision for loan losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">150</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">499</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">900</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,350</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,994</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">10,588</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,738</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 5; padding-right: 0">Allowance for loan losses at end of period</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6,568</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">7,013</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6,964</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6,811</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6,529</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6,715</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">7,030</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 5; padding-right: 0">Allowance for loan losses as a percent of loans at year-end</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.30</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.51</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.46</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.47</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.48</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.57</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.55</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -5; padding-left: 5; padding-right: 0">Ratio of net charge-offs (annualized) to average loans outstanding</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.22</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.13</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.16</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.23</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.50</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.45</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.82</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>





<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The allowance for loan losses is evaluated on
a regular basis by management and is based upon management&rsquo;s periodic review of the collectability of the loans in light
of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower&rsquo;s
ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently
subjective as it requires estimates that are susceptible to significant revision as new information becomes available.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The allowance consists of allocated and general
components. The allocated component relates to loans that are classified as impaired. For those loans that are classified as impaired,
an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan
is lower than the carrying value of that loan. The general component covers nonclassified loans and is based on historical charge-off
experience and expected loss given default derived from the Company&rsquo;s internal risk rating process. Other adjustments may
be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not
fully reflected on the historical loss or risk rating data.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">A loan is considered impaired when, based on
current information and events, it is probable that State Bank will be unable to collect the scheduled payments of principal or
interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment
include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.
Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management
determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration each of
the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&rsquo;s
prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on
a loan-by-loan basis for commercial, agricultural, and construction loans by either the present value of expected future cash flows
discounted at the loan&rsquo;s effective interest rate, the loan&rsquo;s obtainable market price or the fair value of the collateral
if the loan is collateral dependent.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">When State Bank moves a loan to non-accrual
status, total unpaid interest accrued to date is reversed from income. Subsequent payments are applied to the outstanding principal
balance with the interest portion of the payment recorded on the balance sheet as a contra-loan. Interest received on impaired
loans may be realized once all contractual principal amounts are received or when a borrower establishes a history of six consecutive
timely principal and interest payments. It is at the discretion of management to determine when a loan is placed back on accrual
status upon receipt of six consecutive timely payments.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Large groups of smaller balance homogenous loans
are collectively evaluated for impairment. Accordingly, State Bank does not separately identify individual consumer and residential
loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties
of the borrower.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Our branch network is focused on customer service,
generating referral opportunities and most importantly providing the Company with low-cost funding in order to grow our franchise.
The checking account is our primary deposit product entry into the household while also providing stable fee income. Noninterest-bearing
deposits (<I>i.e.</I>, checking accounts) as a percentage of total deposits increased from 12% of total deposits at year end 2009
to 17% at June 30, 2014.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The average daily amount of deposits and average
rates paid on such deposits is summarized for the periods indicated in the table below.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2013</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2012</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="text-align: center; border-bottom: Black 1.5pt solid">2011</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Average</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Average</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Average</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Average</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Average</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">Average</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><B>($ in thousands)</B></TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Rate</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Rate</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Amount</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Rate</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 28%; text-align: left; text-indent: -10pt; padding-left: 10pt">Savings and interest-bearing demand deposits</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">262,954</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">0.05</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">245,528</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">0.09</TD><TD STYLE="width: 1%; text-align: left">%</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">234,497</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">0.16</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left">Time deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">180,154</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.16</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">206,135</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.34</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">217,546</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.66</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1.5pt">Demand deposits (non-interest-bearing)</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">78,540</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">70,749</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1.5pt solid; text-align: right">64,239</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">-</TD><TD STYLE="padding-bottom: 1.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-bottom: 4pt; padding-left: 5.4pt">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">521,648</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">522,412</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 4pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 4pt double; text-align: right">516,282</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 4pt">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 4pt; text-align: left">&nbsp;</TD></TR>
</TABLE>


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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Company is a bank holding company and, as
such, is subject to regulation under the BHCA. The BHCA requires the prior approval of the Federal Reserve before a bank holding
company may acquire direct or indirect ownership or control of more than 5% of the voting shares of any bank (unless the bank is
already majority owned by the bank holding company), acquire all or substantially all of the assets of another bank or bank holding
company, or merge or consolidate with any other bank holding company. Subject to certain exceptions, the BHCA also prohibits a
bank holding company from acquiring 5% of the voting shares of any company that is not a bank and from engaging in any business
other than banking or managing or controlling banks. The primary exception to this prohibition allows a bank holding company to
own shares in any company the activities of which the Federal Reserve had determined, as of November 19, 1999, to be so closely
related to banking as to be a proper incident thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Company is subject to the reporting requirements
of, and examination and regulation by, the Federal Reserve. The Federal Reserve has extensive enforcement authority over bank holding
companies, including, without limitation, the ability to assess civil money penalties, issue cease and desist or removal orders,
and require that a bank holding company divest subsidiaries, including its subsidiary banks. In general, the Federal Reserve may
initiate enforcement actions for violations of laws and regulations and for unsafe or unsound practices. A bank holding company
and its subsidiaries are prohibited from engaging in certain tying arrangements in connection with extensions of credit and/or
the provision of other property or services to a customer by the bank holding company or its subsidiaries.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Various requirements and restrictions under
the laws of the United States and the State of Ohio affect the operations of State Bank, including requirements to maintain reserves
against deposits, restrictions on the nature and amount of loans which may be made and the interest that may be charged thereon,
restrictions relating to investments and other activities, limitations on credit exposure to correspondent banks, limitations on
activities based on capital and surplus, limitations on payment of dividends, and limitations on branching. Various consumer laws
and regulations also affect the operations of State Bank.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Federal Home Loan Banks (&ldquo;FHLBs&rdquo;)
provide credit to their members in the form of advances. As a member of the FHLB of Cincinnati, State Bank must maintain certain
minimum investments in the capital stock of the FHLB of Cincinnati. State Bank was in compliance with these requirements at December
31, 2013.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The FDIC is an independent federal agency which
insures the deposits of federally-insured banks and savings associations up to certain prescribed limits and safeguards the safety
and soundness of financial institutions. State Bank&rsquo;s deposits are subject to the deposit insurance assessments of the FDIC.
Under the FDIC&rsquo;s deposit insurance assessment system, the assessment rate for any insured institution may vary according
to regulatory capital levels of the institution and other factors such as supervisory evaluations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The FDIC is authorized to prohibit any insured
institution from engaging in any activity that poses a serious threat to the insurance fund and may initiate enforcement actions
against a bank, after first giving the institution&rsquo;s primary regulatory authority an opportunity to take such action. The
FDIC may also terminate the deposit insurance of any institution that has engaged in or is engaging in unsafe or unsound practices,
is in an unsafe or unsound condition to continue operations or has violated any applicable law, order or condition imposed by the
FDIC.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Federal Reserve has adopted risk-based capital
guidelines for bank holding companies and for state member banks, such as State Bank. The risk-based capital guidelines include
both a definition of capital and a framework for calculating risk weighted assets by assigning assets and off-balance-sheet items
to broad risk categories. The minimum ratio of total capital to risk weighted assets (including certain off-balance-sheet items,
such as standby letters of credit) is 8%. Of that 8%, at least 4% must be comprised of common shareholders&rsquo; equity (including
retained earnings but excluding treasury stock), non-cumulative perpetual preferred stock, a limited amount of cumulative perpetual
preferred stock, and minority interests in equity accounts of consolidated subsidiaries, less goodwill and certain other intangible
assets (&ldquo;Tier 1 capital&rdquo;). The remainder of total risk-based capital (&ldquo;Tier 2 capital&rdquo;) may consist, among
other things, of certain amounts of mandatory convertible debt securities, subordinated debt, preferred stock not qualifying as
Tier 1 capital, allowance for loan and lease losses and net unrealized gains, after applicable taxes, on available-for-sale equity
securities with readily determinable fair values, all subject to limitations established by the guidelines. Under the guidelines,
capital is compared to the relative risk related to the balance sheet. To derive the risk included in the balance sheet, one of
four risk weights (0%, 20%, 50%, and 100%) is applied to different balance sheet and off-balance sheet assets, primarily based
on the relative credit risk of the counterparty. The capital amounts and classification are also subject to qualitative judgments
by the regulators about components, risk weightings and other factors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In July 2013, the Federal Reserve and the federal
banking agencies published final rules that substantially amend the regulatory risk-based capital rules applicable to the Company
and State Bank. These rules implement the &ldquo;Basel III&rdquo; regulatory capital reforms and changes required by the Dodd-Frank
Act. &ldquo;Basel III&rdquo; refers to various documents released by the Basel Committee on Banking Supervision.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Effective in 2015, State Bank and the Company
will be subject to new capital regulations (with some provisions transitioned into full effectiveness over two to four years).
The new requirements create a new required ratio for common equity Tier 1 (&ldquo;CET1&rdquo;) capital, increases the leverage
and Tier 1 capital ratios, changes the risk-weights of certain assets for purposes of the risk-based capital ratios, creates an
additional capital conservation buffer over the required capital ratios and changes what qualifies as capital for purposes of meeting
these various capital requirements. Beginning in 2016, failure to maintain the required capital conservation buffer will limit
the ability of the Company to pay dividends, repurchase shares or pay discretionary bonuses.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">When these new requirements become effective,
certain of the minimum capital requirements for State Bank will change. The minimum leverage ratio of 4% of adjusted total assets
and total capital ratio of 8% of risk-weighted assets will remain the same; however, the Tier 1 capital ratio will increase from
4.0% to 6.5% of risk-weighted assets. In addition, the Company will have to meet the new minimum CET1 capital ratio of 4.5% of
risk-weighted assets. CET1 consists generally of common stock, retained earnings and accumulated other comprehensive income (AOCI),
subject to certain adjustments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Mortgage servicing rights, certain deferred
tax assets and investments in unconsolidated subsidiaries over designated percentages of common stock will be deducted from capital,
subject to a two-year transition period. In addition, Tier 1 capital will include AOCI, which includes all unrealized gains and
losses on available for sale debt and equity securities, subject to a two-year transition period. Because of its asset size, State
Bank has the one-time option of deciding in the first quarter of 2015 whether to permanently opt-out of the inclusion of AOCI in
its capital calculations. State Bank is considering whether to take advantage of this opt-out to reduce the impact of market volatility
on its regulatory capital levels.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The new requirements also include changes in
the risk-weights of certain assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (up
from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential
mortgage loans that are 90 days past due or otherwise in nonaccrual status; a 20% (up from 0%) credit conversion factor for the
unused portion of a commitment with an original maturity of one year or less; a 250% risk weight (up from 100%) for mortgage servicing
and deferred tax assets that are not deducted from capital; and increased risk-weights (0% to 600%) for equity exposures.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition to the minimum CET1, Tier 1 and
total capital ratios, State Bank will have to maintain a capital conservation buffer consisting of additional CET1 capital equal
to 2.5% of risk-weighted assets above each of the required minimum capital levels in order to avoid limitations on paying dividends,
engaging in share repurchases and paying certain discretionary bonuses. This new capital conservation buffer requirement is phased
in beginning in January, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented in January, 2019.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Federal Reserve&rsquo;s prompt corrective
action standards will change when these new capital ratios become effective. Under the new standards, in order to be considered
well-capitalized, State Bank will be required to have at least a CET1 ratio of 6.5% (new), a Tier 1 ratio of 8% (increased from
6%), a total capital ratio of 10% (unchanged) and a leverage ratio of 5% (unchanged) and not be subject to specified requirements
to meet and maintain a specific capital ratio for a capital measure.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">State Bank conducted a proforma analysis of
the application of these new capital requirements as of September 30, 2013. Based on that analysis, State Bank determined that
it meets all of these new requirements, including the full 2.5% capital conservation buffer, and would remain well capitalized
if these new requirements had been in effect on that date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition, as noted above, beginning in 2016,
if State Bank does not have the required capital conservation buffer, its ability to pay dividends to the Company would be limited.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Dodd-Frank Wall Street Reform and Consumer
Protection Act of 2010</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Dodd-Frank Wall Street Reform and Consumer
Protection Act of 2010 (the &ldquo;Dodd-Frank Act&rdquo;) was enacted into law on July 21, 2010. The Dodd-Frank Act is significantly
changing the regulation of financial institutions and the financial services industry. Among the provisions already implemented
pursuant to the Dodd-Frank Act, the following provisions have or may have an effect on the business of the Company and its subsidiaries:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the CFPB has been formed with broad powers to adopt and enforce consumer protection regulations;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the federal law prohibiting the payment of interest on commercial demand deposit accounts was eliminated effective July 21,
2011;</TD></TR></TABLE>

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

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

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

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the standard maximum amount of deposit insurance per customer was permanently increased to $250,000;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>the assessment base for determining deposit insurance premiums has been expanded from domestic deposits to average assets minus
average tangible equity;</TD></TR></TABLE>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>public companies in all industries are or will be required to provide shareholders the opportunity to cast a non-binding advisory
vote on executive compensation;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>new capital regulations for bank holding companies have been adopted, which will impose stricter requirements, and any new
trust preferred securities issued after May 19, 2010 will no longer constitute Tier I capital; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&#183;</FONT></TD><TD>new corporate governance requirements applicable generally to all public companies in all industries require new compensation
practices and disclosure requirements, including requiring companies to &ldquo;claw back&rdquo; incentive compensation under certain
circumstances, to consider the independence of compensation advisors and to make additional disclosures in proxy statements with
respect to compensation matters.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Many provisions of the Dodd-Frank Act have not
yet been implemented and will require interpretation and rule making by federal regulators. As a result, the ultimate effect of
the Dodd-Frank Act on the Company cannot yet be determined. However, it is likely that the implementation of these provisions will
increase compliance costs and fees paid to regulators, along with possibly restricting the operations of the Company and its subsidiaries.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In December 2013, five federal agencies adopted
a final regulation implementing the Volcker Rule provision of the Dodd-Frank Act (the &ldquo;Volcker Rule&rdquo;). The Volcker
Rule places limits on the trading activity of insured depository institutions and entities affiliated with a depository institution,
subject to certain exceptions. The trading activity includes a purchase or sale as principal of a security, derivative, commodity
future or option on any such instrument in order to benefit from short-term price movements or to realize short-term profits. The
Volcker Rule exempts specified U.S. Government, agency and/or municipal obligations, and it excepts trading conducted in certain
capacities, including as a broker or other agent, through a deferred compensation or pension plan, as a fiduciary on behalf of
customers, to satisfy a debt previously contracted, repurchase and securities lending agreements and risk-mitigating hedging activities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Volcker Rule also prohibits a banking entity
from having an ownership interest in, or certain relationships with, a hedge fund or private equity fund, with a number of exceptions.
The Company does not engage in any of the trading activities or have any ownership interest in or relationship with any of the
types of funds regulated by the Volcker Rule.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>SEC and NASDAQ Regulation</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Company is subject to the jurisdiction
of the Securities and Exchange Commission and certain state securities authorities relating to the offering and sale of its securities.
The Company is subject to the registration, reporting and other regulatory requirements of the Securities Act of 1933, as amended,
and the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), and the rules adopted by the SEC under those
acts. The Company&rsquo;s common shares are listed on The NASDAQ Global Market under the symbol &ldquo;SBFG&rdquo;, and the Company
is subject to the rules and regulations of The NASDAQ Stock Market, Inc. applicable to listed companies.</P>

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

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_013"></A>MANAGEMENT</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The table below provides
certain information concerning each of our current directors, followed by an overview of certain specific skills that qualify each
of our current directors to serve as a director. Unless otherwise indicated, each person has held his or her principal occupation
for more than five years.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: bottom; width: 36%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-indent: 0">Name</td>
    <TD STYLE="width: 1%; padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-align: center; text-indent: 0">Age</td>
    <TD STYLE="width: 1%; padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 36%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-indent: 0">Position(s) Held</td>
    <TD STYLE="width: 1%; padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-align: center; text-indent: 0">Director Since</td>
    <TD STYLE="width: 1%; padding: 0 0 1.5pt; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 8%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-align: center; text-indent: 0">Term Expires</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">George W. Carter</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">54</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial and State Bank</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2013</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2015</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Gary M. Cates</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">54</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial and State Bank</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2013</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2015</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Robert A. Fawcett, Jr.</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">73</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial and State Bank</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">1992</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2017</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Gaylyn J. Finn</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">66</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial and State Bank</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2010</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2017</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Richard L. Hardgrove</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">76</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director and Chairman of the Board of SB Financial, State Bank and RDSI</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2004</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2016</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Rita A. Kissner</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">68</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial, State Bank and RDSI</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2004</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2017</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Mark A. Klein</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">60</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director, President and Chief Executive Officer of SB Financial, State Bank and RDSI</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2010</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2016</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">William G. Martin</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">48</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial and State Bank</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2014</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2016</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Timothy J. Stolly</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">57</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: justify; text-indent: 0">Director of SB Financial and State Bank</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2010</td>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">2015</td></tr>
</table>
<P STYLE="font: 10pt Myriad Pro,sans-serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>George W. Carter</I></B> has over
25 years of experience in the utility industry. He currently serves as Chief Executive Officer of the Paulding Putnam Electric
Cooperative, and has held that position since 2005. Mr. Carter is an active member of his community, currently serving on the Northwest
Ohio Port Authority; the Buckeye Power Board; the Paulding Kiwanis Club and President of the United Way of Paulding County.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Gary M. Cates</I></B> has
been a senior level healthcare executive with 30 years of experience. He has a strong background in strategic planning,
business development and human resource development in multiple industries. He brings a significant background in management,
leadership and communication skills as well as experience with hospital acute care and post-acute care operations, marketing
and board relationships. He currently serves as Chief Philanthropy Officer of ProMedica, a Toledo, Ohio based not-for-profit
healthcare organization. Most recently, he lead two business units within a top nationally-ranked healthcare organization &ndash; a
$50 million-a-year regional hospital and a $35 million-a-year air and ground medical transportation network. He also
has significant board service experience, having served on the board of directors for numerous for-profit and
non-profit organizations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Robert A. Fawcett, Jr.</I></B>
has owned and operated a medium-sized insurance business for over 30 years. He brings entrepreneurial and business leadership
to the Board. He also has significant board service experience, having served on the boards of directors of numerous for-profit
and non-profit organizations. He served as a director of RFC Banking Company from 2001 to 2004, and as a director of SB Financial
and State Bank since 1992.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Gaylyn J. Finn</I></B> brings
to the Board an extensive financial and risk management background. He served as Treasurer and Associate Vice President for Finance
for Bowling Green State University until 2008. While serving at Bowling Green State University, Mr. Finn was responsible for receipts,
disbursement, financial reporting and investing functions of the university as well as the risk management function. He has been
a certified public accountant since 1974 (currently inactive) and previously worked for a large public accounting firm. Mr. Finn
also served as a corporate controller for seven years. He has over 32 years of experience as a financial executive in the for-profit
and non-profit arenas. Mr. Finn&rsquo;s experience in finance has qualified him as an &ldquo;audit committee financial expert&rdquo;
under SEC guidelines.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Richard L. Hardgrove</I></B> brings
an extensive background in finance and financial institution management. He has over 45 years of banking experience, during which
he served as the CEO of three different banks with assets of $500 million to $5 billion, as well as serving 16 years as the CEO
of a bank holding company. As CEO of financial institutions, he led these financial institutions through a number of successful
mergers. Mr. Hardgrove also formerly served as the Deputy Superintendent of Banks for the State of Ohio. He has served as a bank
director for 39 years. Mr. Hardgrove currently serves as Chairman of the Board of each of SB Financial, State Bank and RDSI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Rita A. Kissner</I></B> has broad
knowledge of finance and leadership in local government. Her diverse professional background includes serving as Mayor of Defiance,
a mid-sized Northwest Ohio city, as well as finance director and auditor. She exercised her leadership skills as the Main Street
Director of the Defiance Development and Visitors Bureau, and she also serves as a trustee and current Chair of the Board of Defiance
College.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Mark A. Klein</I></B> brings to
the Board extensive experience in the financial institution industry. He has served as the President and CEO of State Bank since
2006, and as President and CEO of SB Financial since 2010. Prior to joining the Company and State Bank, Mr. Klein was Senior Vice
President Private Banking of Sky Bank, Toledo, Ohio from 2004 to January 2006, and Vice President and Team Leader of Sky Bank,
Toledo, Ohio from 2000 to 2004. From 1994 to 1999, Mr. Klein was Executive Vice President and Senior Lender at a $450 million Sky
Bank affiliate. Currently, Mr. Klein is a board member of the Defiance City Schools where he has served the past 16 years while
providing leadership as past president in 2001, 2006 and 2011. Mr. Klein was recently named Chairman of the ProMedica Defiance
Regional Hospital Board and was subsequently appointed to the Toledo ProMedica Board of Trustees. Mr. Klein was also appointed
by Governor Kasich in 2013 to serve the banking industry as a member of the State of Ohio Banking Commission. Mr. Klein is active
in his community including his involvement in Defiance 2100; a diverse group of community leaders driving economic progress. He
is also a past member of the Defiance Area Foundation, Defiance City School Foundation and past member and Chairman of the ProMedica
Defiance Regional Hospital Foundation Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>William G. Martin</I></B> has extensive
background in finance and leadership within his community. He has over 26 years experience in finance. He has been a certified
public accountant since 1993 (currently inactive). He started his career at a &ldquo;Big 8&rdquo; accounting firm and held the
position of Controller at a furniture company. Mr. Martin is currently President and Chief Financial Officer of Spangler Candy
Company, a family-owned private candy making company headquartered in Bryan, Ohio where he has been employed for the past 15 years.
Mr. Martin is very involved in his community and serves on the State Bank Williams County Advisory Board, is past treasurer of
the Bryan Athletic Boosters, and is a member of the Bryan Area Foundation serving on both its Investment and Nominating Committees.
He was recently named &ldquo;2013 Business Person of the Year&rdquo; by the Bryan Area Chamber of Commerce for his contribution
of chairing the recent successful Bryan Schools bond issue. Mr. Martin was appointed as a director of SB Financial and State Bank
in February 2014.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Timothy J. Stolly</I></B> brings
to the Board over 30 years of experience in the insurance industry, as well as a strong sales and services background as a true
entrepreneur with a strong business acumen. Mr. Stolly is very involved in his community and serves on a variety of different
boards of various organizations including the Lima Allen County Chamber of Commerce, Lima Insurance Board, Lima Area JC&rsquo;s,
Allen County Council on Aging, Lima Noon Optimist, St. Rita&rsquo;s Hospital Development Committee and Motorist Insurance Group
Advisory Board. Mr. Stolly is currently a board member of the Professional Insurance Agents Association of Ohio.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">&nbsp;<BR CLEAR="ALL">
<B>Our Executive Officers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table lists
the names and ages of the current executive officers of SB Financial, the positions held by each executive officer and the business
experience of each executive officer during the past five years. Unless otherwise indicated, each person has held his principal
occupation(s) for more than five years. All of the executive officers of SB Financial are elected annually and serve at the pleasure
of the Board of Directors of SB Financial.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 15%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-decoration: none; text-indent: 0; text-align: left; vertical-align: bottom">Name</td>
    <TD STYLE="width: 2%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 8%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-decoration: none; text-align: center; text-indent: 0; vertical-align: bottom">Age</td>
    <TD STYLE="width: 2%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 73%; padding-top: 0; padding-right: 0; border-bottom: Black 1.5pt solid; padding-left: 0; text-align: center; text-indent: 0; vertical-align: bottom">Position(s) Held with the Company and<br>
    its Subsidiaries and Principal Occupation(s)</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">Mark A. Klein</td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">60</td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">President, and Chief Executive Officer of the Company since
January 2010; Director of the Company since February 2010; President and Chief Executive Officer of State Bank since January 2006;
Director of State Bank since 2006; President of RDSI since October 2011; Member of State Bank Investment Committee since March
2007. Senior Vice President Private Banking of Sky Bank, Toledo, Ohio from 2004 to January 2006; Vice President and Team Leader
of Sky Bank, Toledo, Ohio from 2000 to 2004; Executive Vice President and Senior Lender of $450 million Sky Bank affiliate from
1994 to 1999.&nbsp;</P></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">Anthony V. Cosentino</td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">53</td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Executive Vice President and Chief Financial Officer of the Company and State Bank since March 2010; Chief Financial Officer of RDSI since October 2011; Member of RFS Investment Committee since 2010. Vice President for Financial Planning and Analysis at AmTrust Financial Corporation from June 2006 to December 2009.&nbsp;&nbsp;Chief Financial Officer of Fifth Third Bank of Northeastern Ohio, a subsidiary of Fifth Third Bancorp, from August 1994 to May 2006.</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">Jonathan R. Gathman</td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">41</td>
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Executive Vice President and Senior Lending Officer of the Company since October 2005; Senior Vice President and Commercial Lending Manager from June 2005 through October 2005; Vice President and Commercial Lender from February 2003 through June 2005. Began working for The State Bank and Trust Company in May 1996.</td></tr>
</table>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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



<P STYLE="margin: 0"></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_014"></A>BENEFICIAL OWNERSHIP OF COMMON SHARES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">The following table sets
forth information concerning the only persons known to the Company to own beneficially more than 5% of the outstanding common shares
of the Company as of September 15, 2014.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; text-align: left">Name and Address of &nbsp;Beneficial Owner</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Amount <BR>Beneficially Owned</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; border-bottom: Black 1.5pt solid">Percent of Common Shares Outstanding</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 76%; text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">The State Bank and Trust Company, Trustee <BR>SB Financial Group Employee Stock Ownership Plan (ESOP) (1) <BR>401 Clinton Street <BR>Defiance, Ohio 43512</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">447,322</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 9%; text-align: right">9.2</TD><TD STYLE="width: 1%; text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 0; padding-right: 0; text-indent: 0">Phronesis Partners, L.P. (2) <BR>James Wiggins <BR>130 East Chestnut Street, Suite 403 <BR>Columbus, OH 43215</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">404,961</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.3</TD><TD STYLE="text-align: left">%</TD></TR>
</TABLE>



<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(1)</TD><TD STYLE="text-align: left; width: 95%">As reported in Schedule 13G/A filed with the SEC on February 10, 2014. All common shares reflected
in the table are held by State Bank, as Trustee. Pursuant to the ESOP, the Trustee has the power to vote in its sole discretion
all ESOP shares that have not been allocated to the accounts of participants. As of February 10, 2014, a total of 35,605 common
shares of the Company had not been allocated to participants in the ESOP. The Trustee is permitted to dispose of shares held in
the ESOP only under limited circumstances specified in the ESOP or by law.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(2)</TD><TD STYLE="text-align: left; width: 95%">As reported in Schedule 13G/A filed with the SEC on February 14, 2014.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">&nbsp;The following table sets forth
information regarding the beneficial ownership of the Company&rsquo;s common shares for each of the current directors of the Company,
each of the individuals named in the Summary Compensation Table set forth in the Company&rsquo;s Definitive Proxy Statement on
Schedule 14A filed on March 19, 2014, and all directors and executive officers of the Company as a group both (i) as of September
15, 2014 and (ii) on a pro forma basis upon the completion of this offering (assuming the sale of the maximum of 1,500,000 depositary
shares in this offering).</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="font-weight: bold; font-style: italic; padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="font-weight: bold; font-style: italic; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0">Pro Forma</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0"><B>Name of Beneficial Owner&nbsp;&nbsp;(1)</B></TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0">Amount and Nature of Beneficial Ownership</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0">Percent of &nbsp;&nbsp;Class Before this Offering(2)</TD><TD STYLE="padding-bottom: 1.5pt; font-weight: bold; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0">Depositary Shares Expected to be Purchased in this Offering(3)</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid; padding-right: 0; padding-left: 0">Percent of <BR>Class <BR>After this <BR>Offering(4)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 51%; text-align: left; padding-right: 0; padding-left: 0">George W. Carter</TD><TD STYLE="width: 1%; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="width: 9%; text-align: right; padding-right: 0; padding-left: 0">470</TD><TD STYLE="width: 2%; text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="width: 1%; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="width: 9%; text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="width: 1%; text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="width: 1%; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: center; padding-right: 0; padding-left: 0">[&#9679;]</TD><TD STYLE="width: 1%; padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="width: 11%; text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Gary M. Cates</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">5,231 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(6)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Anthony V. Cosentino (5)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">14,053 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(7)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Robert A. Fawcett, Jr.</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">20,817</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(8)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Gaylyn J. Finn</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">9,338 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(9)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Jonathan R. Gathman (5)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">20,745 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(10)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Richard L. Hardgrove</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">13,500 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(11)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Rita A. Kissner</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">18,449 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(12)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Mark A. Klein (5)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">53,683 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(13)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">1.11</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">%</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">William G. Martin</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">1,432 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(14)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">Timothy J. Stolly</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">5,513 </TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">(15)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">*</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">[&#9679;]%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-right: 0; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 10pt; padding-right: 0; text-indent: -10pt">All executive officers and directors as a group (11 persons)</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">163,230</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding-right: 0; padding-left: 0">&nbsp;</TD><TD STYLE="text-align: right; padding-right: 0; padding-left: 0">3.33</TD><TD STYLE="text-align: left; padding-right: 0; padding-left: 0">%</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]</TD><TD STYLE="padding-right: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="text-align: center; padding-left: 0; padding-right: 0">[&#9679;]%</TD></TR>
</TABLE>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 0; text-indent: 0; width: 5%; padding-right: 0">* </TD>
    <TD STYLE="padding-left: 0; text-indent: 0; padding-right: 0; width: 95%">Indicates beneficial ownership of less than one percent of the outstanding common shares of the Company.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 3pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0">(1)</TD><TD STYLE="text-align: left; width: 95%; padding: 0; text-indent: 0">Unless otherwise noted, the beneficial owner has sole voting and investment power with respect
to all of the common shares reflected in the table. All fractional common shares have been rounded to the nearest whole common
share. The mailing address of each of the current executive officers and directors of the Company is 401 Clinton Street, Defiance,
Ohio 43512.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0">(2)</TD><TD STYLE="text-align: left; width: 95%; padding: 0; text-indent: 0">Percent of Class Before this Offering is computed based on the sum of (a) 4,875,131 common shares
outstanding on September 15, 2014, and (b) the number of common shares, if any, as to which the named person or group has the right
to acquire beneficial ownership upon the exercise of options which are currently exercisable or will first become exercisable within
60 days after September 15, 2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0">(3)</TD><TD STYLE="text-align: left; width: 95%; padding: 0; text-indent: 0">Represents the number of depositary shares as to which the named person or group has submitted
an indication of interest to purchase.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0">(4)</TD><TD STYLE="text-align: left; width: 95%; padding: 0; text-indent: 0">Computed on a pro forma basis based on the sum of (a) 4,875,131 common shares outstanding on September
15, 2014, (b) the number of common shares, if any, as to which the named person or group has the right to acquire beneficial ownership
upon the exercise of options which are currently exercisable or will first become exercisable within 60 days after September 15,
2014, and (c) the number of common shares, if any, as to which the named person or group has the right to acquire beneficial ownership
upon the conversion of the depositary shares as to which the named person or group has submitted an indication of interest to purchase.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0">(5)</TD><TD STYLE="text-align: left; width: 95%; padding: 0; text-indent: 0">Individual named in the Summary Compensation Table. Mr. Klein also serves as a director of the
Company.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0">(6)</TD><TD STYLE="text-align: left; width: 95%; padding: 0; text-indent: 0">Reflects common shares held jointly by Mr. Cates and his wife as to which Mr. Cates and his wife
exercise shared voting and investment power.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(7)</TD><TD STYLE="text-align: left; width: 95%">Includes 100 common shares held jointly by Mr. Cosentino and his wife as to which Mr. Cosentino
and his wife exercise shared voting and investment, 200 common shares held in the names of Mr. Cosentino&rsquo;s children for which
Mr. Cosentino is custodian, and 3,721 common shares held for the account of Mr. Cosentino in the ESOP. Also includes 4,000 common
shares as to which Mr. Cosentino has the right to acquire beneficial ownership upon the exercise of options which are currently
exercisable or will first become exercisable within 60 days after September 15, 2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(8)</TD><TD STYLE="text-align: left; width: 95%">Includes 7,723 common shares held by the Robert A. Fawcett Jr. Trust, as to which Mr. Fawcett exercises
sole voting and investment power and 5,448 common shares held by the Brenda C. Fawcett Trust, as to which Mr. Fawcett&rsquo;s wife
exercises sole voting and investment power. Also includes 7,646 common shares as to which Mr. Fawcett has the right to acquire
beneficial ownership upon the exercise of options which are currently exercisable or will first become exercisable within 60 days
after September 15, 2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(9)</TD><TD STYLE="text-align: left; width: 95%">Reflects common shares held jointly by Mr. Finn and his wife as to which Mr. Finn and his wife
exercise shared voting and investment power.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(10)</TD><TD STYLE="text-align: left; width: 95%">Includes 4,015 common shares held jointly by Mr. Gathman and his wife as to which Mr. Gathman and
his wife exercise shared voting and investment power and 7,783 common shares held for the account of Mr. Gathman in the ESOP. Also
includes 5,000 common shares as to which Mr. Gathman has the right to acquire beneficial ownership upon the exercise of options
which are currently exercisable or will first become exercisable within 60 days after September 15, 2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(11)</TD><TD STYLE="text-align: left; width: 95%">Includes 6,000 common shares as to which Mr. Hardgrove has the right to acquire beneficial ownership
upon the exercise of options which are currently exercisable or will first become exercisable within 60 days after September 15,
2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(12)</TD><TD STYLE="text-align: left; width: 95%">Includes 8,000 common shares as to which Ms. Kissner has the right to acquire beneficial ownership
upon the exercise of options which are currently exercisable or will first become exercisable within 60 days after September 15,
2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(13)</TD><TD STYLE="text-align: left; width: 95%">Includes 9,071 common shares held for the account of Mr. Klein in the ESOP. Also includes 27,000
common shares as to which Mr. Klein has the right to acquire beneficial ownership upon the exercise of options which are currently
exercisable or will first become exercisable within 60 days after September 15, 2014.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(14)</TD><TD STYLE="text-align: left; width: 95%">Reflects common shares held jointly by Mr. Martin and his wife as to which Mr. Martin and his wife
exercise shared voting and investment power.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 3pt; font: 10pt Times New Roman, Times, Serif"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%">(15)</TD><TD STYLE="text-align: left; width: 95%">Includes 500 common shares as to which Mr. Stolly has the right to acquire beneficial ownership
upon the exercise of options which are currently exercisable or will first become exercisable within 60 days after September 15,
2014.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 4pt 0.5in; text-align: justify; text-indent: -0.5in">&nbsp;</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_015"></A>DESCRIPTION OF THE SERIES A PREFERRED
SHARES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><I>This section summarizes specific terms
and provisions of the Series A Preferred Shares. The description of the Series A Preferred Shares contained in this section does
not purport to be complete and is qualified in its entirety by the actual terms of the Series A Preferred Shares, as are stated
in the &ldquo;Certificate of Amendment to Articles&rdquo; filed with the Ohio Secretary of State on [&#9679;], 2014 to establish
the express terms of the Series A Preferred Shares, the form of which is attached as Exhibit 3.7 to the Registration Statement
of which this prospectus constitutes a part and incorporated by reference into this prospectus. See &ldquo;Where You Can Find More
Information&rdquo; and &ldquo;Incorporation of Certain Information by Reference&rdquo; in this prospectus.</I></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Series A Preferred Shares are a single series
of our authorized preferred shares. We are offering up to 1,500,000 depositary shares, representing 15,000 Series A Preferred Shares
in the aggregate by this prospectus. Series A Preferred Shares, upon issuance against full payment of the purchase price for the
depositary shares, will be fully paid and nonassessable. The depositary will be the sole holder of the Series A Preferred Shares.
The holders of depositary shares will be required to exercise their proportional rights in the Series A Preferred Shares through
the depositary, as described below under &ldquo;Description of the Depositary Shares.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Series A Preferred Shares have no stated
maturity and will not be subject to any sinking fund or other obligation of SB Financial to repurchase the Series A Preferred Shares.
The Series A Preferred Shares will not be insured or guaranteed by the FDIC or any other government agency or instrumentality.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We reserve the right to reopen this series and
issue additional Series A Preferred Shares either through public or private sales at any time and from time to time. The additional
shares would form a single series with the Series A Preferred Shares offered by this prospectus.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.2in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Series A Preferred Shares will rank:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD>senior to our junior shares;</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.75in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD>equally with each other class or series of parity shares; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD>junior to any class or series of stock we may issue in the future that ranks senior to the Series A Preferred Shares in the
payment of dividends or in the distribution of assets on any liquidation, dissolution or winding up of SB Financial, and to all
of our existing and future debt obligations.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As used in this prospectus, &ldquo;junior shares&rdquo;
means our common shares and any other class or series of shares of SB Financial hereafter authorized over which the Series A Preferred
Shares have preference or priority in the payment of dividends or in the distribution of assets on any liquidation, dissolution
or winding up of SB Financial.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">As used in this prospectus, &ldquo;parity shares&rdquo;
means any other class or series of shares of SB Financial that ranks on parity with the Series A Preferred Shares in the payment
of dividends and in the distribution of assets on any liquidation, dissolution or winding up of SB Financial.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">All shares authorized by the Company in the
future will be junior shares unless their express terms provide that they are parity shares or senior shares. The authorization
and issuance of senior shares and certain parity shares will require the prior approval of the holders of the Series A Preferred
Shares, as described herein under &ldquo;Description of the Series A Preferred Shares &#8213; Voting Rights&rdquo; beginning on
page 57.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>General. </I>Subject to the rights of any
holders of senior shares and parity shares, the holders of Series A Preferred Shares will be entitled to receive, when, as, and
if declared by our board of directors, out of our assets legally available for payment, noncumulative cash dividends, payable quarterly,
at the rate of [&#9679;]% per annum of the $1,000 liquidation preference. This is equivalent to $[&#9679;] per Series A Preferred
Share per annum.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Dividends on the Series A Preferred Shares will
be payable quarterly on the dividend payment dates which are March 15, June 15, September 15 and December 15 of each year, or if
such day is not a business day, the next succeeding business day, commencing December 15, 2014. No additional dividend or interest
will be paid if the regular payment date is not a business date. Dividends will be payable from the most recent dividend payment
date or, in the case of the dividend payable on December 15, 2014, from the issue date of the Series A Preferred Shares. Dividends
payable for any period less than a full quarterly dividend period will be computed on the basis of a 360-day year consisting of
twelve 30-day months. Dividends payable for each full dividend period will be computed by dividing the annual dividend rate by
four. Dividends for the first dividend period ending December 15, 2014, if any, will be for less than a full quarter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each declared dividend will be payable to holders
of record of Series A Preferred Shares at the close of business on the 15<SUP>th</SUP> day prior to the relevant dividend payment
date. Regular quarterly dividend periods will commence on and include March 15, June 15, September 15 and December 15 of each year
and will end on and include the date preceding the next dividend payment date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Dividends on the Series A Preferred Shares are
noncumulative. As a result, if our board of directors fails to declare a dividend for a dividend period, then the holders of the
Series A Preferred Shares will have no right to receive a dividend related to that dividend period, and we will have no obligation
to pay a dividend for the related dividend period or to pay any interest, whether or not dividends are declared for any future
dividend period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">No dividends
will be declared or paid or set apart for payment on any junior shares during any calendar quarter unless full dividends on the
Series A Preferred Shares for such dividend period have been declared and we have not failed to pay a dividend in the full amount
of the Series A Preferred Shares as declared with respect to the period in which such dividend payment to any junior shares would
occur. When cash dividends are not paid in full upon the Series A Preferred Shares and other parity shares, if any, dividends upon
Series A Preferred Shares and dividends on other parity shares, if any, payable during the dividend period will be declared pro
rata so that the amount of dividends payable per share on the Series A Preferred Shares and any other parity shares will in all
cases bear to each other the same ratio that full dividends for the then-current dividend period on the Series A Preferred Shares,
including any accumulation related to declared and unpaid dividends for prior periods, and full dividends on shares of the other
parity shares, including any accumulation related to declared and unpaid dividends for prior periods, bear to each other.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Unless full dividends on the Series A Preferred
Shares have been declared and paid (or declared and a sum sufficient for the payment thereof has been set aside) for any dividend
period, then during the dividend period the following restrictions will apply:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">no dividend or distribution, other than in junior shares, may be declared, set aside or paid on any junior shares;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">we may not repurchase, redeem or otherwise acquire any of our junior shares, and no monies may be paid to or made available
for a sinking fund for the redemption of any of any junior shares, (other than (a) as a result of a reclassification of junior
shares for or into other junior shares, (b) the exchange or conversion of one junior share for or into another junior share, (c)
through the use of the proceeds of a substantially contemporaneous sale of other junior shares, (d) purchases, redemptions or other
acquisitions of junior shares in connection with any employment contract, benefit plan or other similar arrangement or (e) the
purchase of fractional interests in junior shares pursuant to the conversion or exchange provisions of such shares or the security
being converted or exchanged); and</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">we may not repurchase, redeem or otherwise acquire any parity shares (except by conversion into or exchange of junior shares)
other than pursuant to pro rata offers to purchase all, or a pro rata portion, of the Series A Preferred Shares and such parity
shares.</TD></TR></TABLE>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">There can be no assurances that any dividends
on the Series A Preferred Shares will be declared or, if declared, what the amounts of dividends will be or whether these dividends,
if declared for any dividend period, will continue for any future dividend period. The declaration and payment of future dividends
on the Series A Preferred Shares will be subject to, among other things, business conditions, regulatory considerations, our earnings
and financial condition and the judgment of our board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may not declare, pay or set aside for payment
any dividends on the Series A Preferred Shares if such dividends would cause the Company to fail to comply with applicable laws
and regulations, including applicable bank regulatory capital adequacy guidelines. Our ability to pay dividends is primarily dependent
upon receiving cash in the form of dividends from State Bank. However, certain restrictions exist regarding the ability of State
Bank to pay cash dividends. See &ldquo;Business &mdash; Supervision and Regulation&rdquo; beginning on page 39 of this prospectus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.05pt"><B>Liquidation Preference</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The amount which the holders of outstanding
Series A Preferred Shares will be entitled to receive in the event of our liquidation, dissolution or winding up, whether voluntary
or not, after payment or provision for payment of our debts and other liabilities, out of our assets available for distribution
to shareholders, before any distribution of assets is made to the holders of our common shares or any junior shares as to distributions,
will initially be $1,000 per share, plus any declared but unpaid dividends (subject to the prior approval of the Federal Reserve,
if required), but without accumulation of any undeclared dividends, without interest to the date fixed for such liquidation, dissolution
or winding up. The amount that holders of Series A Preferred Shares will be entitled to receive in the event of our liquidation,
dissolution or winding up is subject to adjustment whenever there is a share split, combination, reclassification or other similar
event involving the Series A Preferred Shares, as determined by the board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">If, upon
any voluntary or involuntary liquidation, dissolution or winding up, the amounts payable related to the Series A Preferred Shares
and any parity shares shall be insufficient to pay in full the amount to which such holders are entitled, the holders of the Series
A Preferred Shares and parity shares will share ratably in any distribution of assets in proportion to the full respective distributable
amounts to which they are entitled. After payment of the full amount of the liquidating distribution to which they are entitled,
the holders of the Series A Preferred Shares will not be entitled to any further participation in any distribution of our assets.
All distributions made with respect to the Series A Preferred Shares in connection with any liquidation, dissolution or winding
up will be made pro rata to the holders of Series A Preferred Shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Neither the sale, lease, exchange or conveyance
for cash, shares of stock, other securities or other consideration of all or substantially all the assets or business of SB Financial
(other than in connection with the voluntary or involuntary liquidation, winding-up or dissolution of SB Financial) nor the merger,
consolidation or share exchange of SB Financial into or with any other person shall be deemed to be a liquidation, winding-up or
dissolution, voluntary or involuntary, of SB Financial.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.05pt"><B>Conversion Rights</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.05pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>General.</I></B><I> </I>Each share of
Series A Preferred Shares will be convertible at the option of the holder into the number of our common shares equal to the quotient
achieved when $1,000 is divided by the conversion price as then in effect, see &lsquo;&lsquo;&mdash; Adjustments to the Conversion
Price&rdquo; beginning on page 54 of this prospectus. The initial conversion price of $[&#9679;] is equivalent to a 17.5% premium
over $[&#9679;] per share, the last reported sale price of our common shares on the NASDAQ Global Market on [&#9679;], 2014. Except
as otherwise provided, (i) our Series A Preferred Shares will only be convertible into our common shares and (ii) each holder of
Series A Preferred Shares will only be entitled to convert such shares to the extent that the conversion would not result in such
holder and its affiliates, collectively, being deemed to own, control or have the power to vote 10% or more of any class of our
then-outstanding voting securities for purposes of the BHCA, or the Change in Bank Control Act of 1978, as amended (&ldquo;CIBC
Act&rdquo;), and any rules and regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In case any Series A Preferred Shares are to
be converted at our option, the right of a holder of Series A Preferred Shares to voluntarily convert those Series A Preferred
Shares will terminate if we have not received such holder&rsquo;s conversion notice by 5:00 p.m., New York City time, on the trading
day immediately preceding the applicable conversion date in the event we exercise our conversion option.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Conversion Procedures.</I></B><I> </I>The
conversion right of a holder of Series A Preferred Shares shall be exercised by (i) the delivery to the transfer agent of a written
notice (in the form provided by the transfer agent) that the holder elects to convert the number of shares of the Series A Preferred
Shares specified in such notice, or the conversion notice, and (ii) if required, the payment by the holder of all transfer and
similar taxes. If the Series A Preferred Shares that the holder wishes to convert are represented by one or more physical certificates,
the holder will be required to surrender such physical certificate or certificates to us or the transfer agent (properly endorsed
or assigned for transfer, if so required by us or the transfer agent).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Immediately prior to the close of business on
the date of conversion, each converting holder shall be deemed to be the holder of record of common shares issuable upon conversion
of such holder&rsquo;s Series A Preferred Shares notwithstanding that our share register shall then be closed or that, if applicable,
physical certificates representing such common shares shall not then be actually delivered to such holder. <FONT STYLE="letter-spacing: 0.15pt">On
the date of any conversion, all rights of any holder with respect to the Series A Preferred Shares, so converted, including the
rights, if any, to receive distributions of our assets (including the liquidation preference) or notices from us, will terminate,
except for the rights of any such holder to (i) receive physical certificates (if applicable) for the number of whole common shares
into which such Series A Preferred Shares have been converted and cash in lieu of any fractional share, and (ii) exercise the rights
to which he, she or it is entitled as a holder of common shares into which such Series A Preferred Shares have been converted.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The transfer agent will, on behalf of the converting
holder, convert the holder&rsquo;s Series A Preferred Shares into common shares, in accordance with the terms of the notice delivered
by such holder. The common shares and cash in lieu of any fractional share due to a converting holder will be delivered to the
holder and each surrendered physical certificate, if any, will be canceled and retired. If a holder surrenders more than one Series
A Preferred Share for conversion at the same time, the number of whole common shares issuable to that holder on conversion of those
Series A Preferred Shares will be computed on the basis of the total number of Series A Preferred Shares surrendered by the holder.
While the Series A Preferred Shares are held by the depositary, the determination of whether any conversion of shares would result
in a fraction of a common share will be made on the basis of the manner in which the common shares will be distributed to the holders
of depositary shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Before the delivery of any securities upon conversion
of the Series A Preferred Shares, we will comply with all applicable federal and state laws and regulations. All common shares
delivered upon conversion of the Series A Preferred Shares will, upon delivery, be duly authorized, validly issued, fully paid
and non-assessable, free of all liens and charges and not subject to any preemptive rights.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Holders of Series A Preferred Shares are not
eligible to exercise any rights of a common shareholder until they have converted their Series A Preferred Shares into common shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Dividends. </I></B><I> </I>If the conversion
date occurs on or before the close of business on a dividend record date, the holder of Series A Preferred Shares will not be entitled
to receive any portion of the dividend payable, if any, on such converted Series A Preferred Shares on the corresponding dividend
payment date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If the conversion date occurs after the dividend
record date but prior to the corresponding dividend payment date, the holder of record of the Series A Preferred Shares on the
dividend record date will receive on that dividend payment date dividends declared and paid on those shares, notwithstanding the
conversion of those shares prior to that dividend payment date, because such holder will have been the shareholder of record on
the corresponding dividend record date. At the time that such holder surrenders the shares for conversion, however, it must pay
to us an amount equal to the dividend that has been declared and that has been paid, or will be paid, on the related dividend payment
date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">If the holder
of Series A Preferred Shares is a holder of record on a dividend record date who converts such Series A Preferred Shares into common
shares on or after the corresponding dividend payment date, such holder will be entitled to receive the dividend payable on such
shares on such dividend payment date, and such holder will not need to include payment of the amount of such dividend upon surrender
for conversion of such shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">&nbsp;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Fractional Shares. </I></B> No fractional
common shares or securities representing fractional common shares will be issued upon any conversion of any shares of the Series
A Preferred Shares. If the conversion of any share or shares results in a fraction of a common share, an amount equal to such fraction
multiplied by the market value (described below) of our common shares, will be paid to such holder in cash by us. While the Series
A Preferred Shares are held by the depositary, the determination of whether any conversion of shares would result in a fraction
of a common share will be made on the basis of the manner in which the common shares will be distributed to the holders of depositary
shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The market value of our common shares will be
the average closing price of our common shares for a 30 consecutive trading day period prior to the date of measurement on the
NASDAQ Global Market or such other national securities exchange or automated quotation system on which the common shares are then
listed or authorized for quotation or, if the common shares are not so listed or authorized for quotation, an amount determined
in good faith by our board of directors to be the fair value of the common shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.1pt"><B>Mandatory Conversion at
Our Option</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.1pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>General.</I></B><I> </I> On or after the
fifth anniversary of the issue date we may, at our option, require all holders of Series A Preferred Shares to convert all of their
shares into our common shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We may exercise our conversion option only if:
(i) the closing sale price of our common shares equals or exceeds 120% of the then-prevailing conversion price for at least 20
trading days in a period of 30 consecutive trading days (including the last trading day of such period) ending on the fifth trading
day immediately prior to our issuance of a press release announcing the exercise of our conversion option; and (ii) we have declared
and paid full dividends for four consecutive quarters on the Series A Preferred Shares prior to the issuance of the press release.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If converted pursuant to our conversion option,
the Series A Preferred Shares will be converted into the number of common shares equal to the quotient achieved when the liquidation
preference (initially $1,000) is divided by the conversion price then in effect (initially $[&#9679;]).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt"><B><I>Conversion
Procedures.</I></B><I> </I>To exercise our conversion option, we will furnish written notification by issuing a press release for
publication on a news wire service and by first-class mail to the holders of the Series A Preferred Shares providing the relevant
information to the public prior to the opening of business on the fifth trading day following any date on which the conditions
for our conversion option are met, announcing our intent to exercise the conversion option.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.2in"><FONT STYLE="letter-spacing: 0.1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In addition to any information required by applicable
law or regulation, the press release and notice of the exercise of our conversion option will state, as appropriate:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD><FONT STYLE="letter-spacing: 0.1pt">the conversion option date (which will be the day we issue the press release);</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD><FONT STYLE="letter-spacing: 0.05pt">the number of our common shares to be issued upon conversion of each Series A Preferred
Share; and</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD><FONT STYLE="letter-spacing: 0.05pt">that dividends on the Series A Preferred Shares to be converted will cease to accrue on
the conversion option date.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: -0.5in"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Upon the exercise of our conversion option and
the surrender of shares by a holder, we will issue and deliver or cause to be issued and delivered to such holder, or to such other
person on such holder&rsquo;s written order (i) certificates representing the number of validly issued, fully paid and non-assessable
whole common shares to which a holder of Series A Preferred Shares being converted, or a holder&rsquo;s transferee, shall be entitled,
and (ii) cash in lieu of any fractional interest in respect of a common share arising upon such conversion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each conversion shall be deemed to have been
made at the close of business on the conversion option date so that the rights of the holder shall cease except for the right to
receive the fully paid and non-assessable common shares and cash in lieu of fractional shares and the person entitled to receive
common shares shall be treated for all purposes as having become the record holder of those common shares at that time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; color: navy"><FONT STYLE="letter-spacing: -0.1pt"><B>&nbsp;</B></FONT></P>

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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Dividends.</I></B><I> </I>If we exercise
our conversion option and the conversion option date is a date that is prior to the close of business on any record date for a
dividend, the holder shall not be entitled to receive any portion of the dividend payable for such dividend period on such converted
shares on the corresponding dividend payment date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If we exercise our conversion option and the
conversion option date is a date that is on, or after the close of business on, any dividend record date and prior to the close
of business on the corresponding dividend payment date, all dividends for that dividend period with respect to the Series A Preferred
Shares called for conversion on such date, which are declared and paid shall be payable on such dividend payment date to the record
holder of such shares on such record date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Fractional Shares.</I></B><I> </I>No fractional
common shares or securities representing fractional common shares will be issued upon any conversion of any Series A Preferred
Shares. If the conversion of any Series A Preferred Shares results in a fraction of a common share, an amount equal to such fraction
multiplied by the market value, shall be paid to such holder in cash by us.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Adjustments to the Conversion Price</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">The conversion
price will be subject to adjustment if, after the issue date, any of the following events occur</FONT>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%"></TD><TD STYLE="width: 5%; text-align: left; padding: 0; text-indent: 0"><FONT STYLE="letter-spacing: 0.05pt">&#9679;</FONT></TD><TD STYLE="width: 90%; padding: 0; text-indent: 0"><FONT STYLE="letter-spacing: 0.05pt">we issue any of our common shares as a dividend or distribution on our common shares,
subject to certain exceptions;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0"></TD><TD STYLE="width: 5%; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="width: 90%; padding: 0; text-indent: 0"><FONT STYLE="letter-spacing: 0.05pt">we subdivide, split or combine our common shares;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0"></TD><TD STYLE="width: 5%; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="width: 90%; padding: 0; text-indent: 0">we issue to all holders of our common shares rights or warrants entitling them, for a period of up to 45 days from the date
of issuance of such rights or warrants, to subscribe for or purchase our common shares at less than the then-current market value,
subject to certain exceptions;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0"></TD><TD STYLE="width: 5%; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="width: 90%; padding: 0; text-indent: 0"><FONT STYLE="letter-spacing: 0.05pt">we make a distribution to all holders of our common shares of evidences of our indebtedness,
cash or other assets, including securities, </FONT>subject to certain exceptions<FONT STYLE="letter-spacing: 0.05pt">;</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0"></TD><TD STYLE="width: 5%; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="width: 90%; padding: 0; text-indent: 0">we make a distribution to all holders of our common shares consisting only of cash, subject to certain exceptions including
regular cash dividends on our common shares to the extent that the aggregate cash dividends per common share does not exceed $0.04
in any fiscal quarter; or</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; padding: 0; text-indent: 0"></TD><TD STYLE="width: 5%; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="width: 90%; padding: 0; text-indent: 0">we complete a tender or exchange offer for our common shares where the cash and the value of any other consideration included
in the payment per common share exceeds the closing sales price per common share on the trading day immediately succeeding the
expiration of the tender or exchange offer.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">No adjustment will be made, however,
to the extent that the adjustment would cause or result in any holder of Series A Preferred Shares and its affiliates, collectively,
being deemed to own, control or have the power to vote 10% or more of any class of our then-outstanding voting securities for
purposes of the BHCA or the CIBC Act and any rules and regulations promulgated thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Dividends and Distributions of
Common Shares</I></B>. In the case of any dividends or distributions of our common shares as described above in the first bullet
point, the conversion price will be adjusted by multiplying the conversion price in effect at 5:00 p.m., New York City time, on
the trading day immediately prior to the first date on which our common shares trade without the right to receive the issuance,
dividend or distribution, or the ex-date, by the following fraction:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="text-align: center; vertical-align: bottom">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt">OS<SUB>0</SUB></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">OS<SUB>1</SUB></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">Where,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif; width: 0.3in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">OS<SUB>0</SUB></FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; width: 0.3in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">=</FONT></TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
    number of our common shares outstanding immediately prior to the ex-date for such dividend or distribution.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">OS<SUB>1</SUB></FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">=</FONT></TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
    sum of the number of our common shares outstanding immediately prior to the ex-date for such dividend or distribution plus
    the total number of our common shares constituting such dividend or distribution.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;&nbsp;</P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This adjustment will become effective at 9:00
a.m., New York City time, on the record date for the determination of holders of common shares entitled to receive such dividend
or distribution<FONT STYLE="letter-spacing: 0.1pt">; provided, however, that if such dividend or distribution is declared but not
paid or made, the conversion price will be readjusted as if such dividend or distribution had not occurred.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Subdivisions, Splits and Combination
of Common Shares</I></B>. In the case of any subdivision, split or combination of our common shares as described above in the second
bullet point, the conversion price will be adjusted by multiplying the conversion price in effect at 5:00 p.m., New York City time,
on the trading day immediately prior to the effective date of such subdivision, split or combination, by the following fraction:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">OS<SUB>0</SUB></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">OS<SUB>1</SUB></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">Where,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">OS<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 0.3in; padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">=</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
    number of our common shares outstanding immediately prior to the effective date of such subdivision, split or combination.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">OS<SUB>1</SUB></FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">=</FONT></TD>
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
    number of our common shares outstanding immediately after the opening of business on the effective date of such subdivision,
    split or combination.</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This adjustment will become effective at 9:00
a.m., New York City time, on the effective date of such subdivision, split or combination<FONT STYLE="letter-spacing: 0.1pt">;
provided, however, that if our </FONT>outstanding common shares are not subdivided, split or combined<FONT STYLE="letter-spacing: 0.1pt">,
the conversion price will be readjusted as if such </FONT>subdivision, split or combination had not been announced<FONT STYLE="letter-spacing: 0.1pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Issuance of Stock Purchase Rights</I></B>.
In the case of the issuance of any rights or warrants as described above in the third bullet point, the conversion price will be
adjusted by multiplying the conversion price in effect at 5:00 p.m., New York City time, on the trading day immediately prior to
the first date on which our common shares trade without the right to receive the issuance, or the ex-date, by the following fraction:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">OS<SUB>0 </SUB>+ Y</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">OS<SUB>0 </SUB>+ X</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">Where,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; padding: 0; text-indent: 0">OS<SUB>0</SUB></TD>
    <TD STYLE="width: 0.3in; padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the number of our common shares outstanding immediately prior to the ex-date for such distribution.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">X</TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the total number of our common shares issuable pursuant to such rights or warrants.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Y</TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the number of our common shares equal to the aggregate price payable to exercise such rights or warrants divided by the market value as of the date immediately prior to the ex-date for such distribution.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">This adjustment will become effective immediately
prior to 9:00 a.m., New York City time, on the ex-date for such issuance<FONT STYLE="letter-spacing: 0.1pt">; provided, however,
that if </FONT>(i) such rights or warrants described above are not so issued, the conversion price will be readjusted as if such
issuance had not been declared and (ii) such rights or warrants are not exercised prior to their expiration or our common shares
are not otherwise delivered pursuant to such rights or warrants upon the exercise of such rights or warrants, the conversion price
will be readjusted to such conversion price that would have been in effect had the adjustment been made based on the number of
common shares actually delivered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Debt or Asset Distributions</I></B>.
In the case of any debt or asset distribution as described above in the fourth bullet point, the conversion price will be adjusted
by multiplying the conversion price in effect at 5:00 p.m., New York City time, on the trading day immediately prior to the first
date on which our common shares trade without the right to receive the distribution, or the ex-date, by the following fraction:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">SP<SUB>0 </SUB>- FMV</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">SP<SUB>0</SUB></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">Where,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="width: 0.5in; padding: 0; text-indent: 0">SP<SUB>0</SUB></TD>
    <TD STYLE="width: 0.3in; padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the market value per common share on such date.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">FMV</TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the fair market value of the portion of the distribution applicable to one common share on such date as reasonably determined by our board of directors.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This adjustment will become effective
immediately prior to 9:00 a.m., New York City time, on the ex-date for such distribution<FONT STYLE="letter-spacing: 0.1pt">; provided,
however, that if such distribution is not paid or made, the conversion price will be readjusted as if such </FONT>distribution
had not been declared<FONT STYLE="letter-spacing: 0.1pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Cash Distributions</I></B>. In
the case of any cash distribution described above in the fifth bullet point, the conversion price will be adjusted by multiplying
the conversion price in effect at 5:00 p.m., New York City time, on the trading day immediately prior to the first date on which
our common shares trade without the right to receive the distribution, or the ex-date, by the following fraction:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">SP<SUB>0 </SUB>- DIV</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-align: center; text-indent: 0">SP<SUB>0</SUB></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">Where,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; padding: 0; text-indent: 0">SP<SUB>0</SUB></TD>
    <TD STYLE="width: 0.3in; padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the closing sales price per common share on the trading day immediately preceding the ex-date.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">DIV</TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the amount per common share of the distribution (or, in the case of a regular cash dividend, the amount of the aggregate cash dividend in any quarter which is in excess of $0.04 per common share)</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This adjustment will become effective
immediately prior to 9:00 a.m., New York City time, on the ex-date for such distribution<FONT STYLE="letter-spacing: 0.1pt">;
provided, however, that if such distribution is not made, the conversion price will be readjusted as if such </FONT>distribution
had not been declared<FONT STYLE="letter-spacing: 0.1pt">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Tender Offers and Exchange Offers</I></B>.
In the case of any tender offers or exchange offers as described above in the sixth bullet point, the conversion price will be
adjusted by multiplying the conversion price in effect at 5:00 p.m., New York City time, on the expiration date of the offer, by
the following fraction:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">OS<SUB>0 </SUB>* SP<SUB>0</SUB></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">AC + (SP<SUB>0 </SUB>* OS<SUB>1</SUB>)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">Where,</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 1.5in">&nbsp;</TD>
    <TD STYLE="width: 0.3in; padding: 0; text-indent: 0">SP<SUB>0</SUB></TD>
    <TD STYLE="width: 0.3in; padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the closing sales price per common share on the trading day immediately succeeding the expiration of the tender or exchange offer.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">OS<SUB>0</SUB></TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the number of our common shares outstanding immediately prior to the expiration of the tender or exchange offer, including any shares validly tendered and not withdrawn.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">OS<SUB>1</SUB></TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the number of our common shares outstanding immediately after the expiration of the tender or exchange offer.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">AC</TD>
    <TD STYLE="padding: 0; text-align: center">=</TD>
    <TD STYLE="padding: 0; text-indent: 0">the aggregate cash and fair market value of the other consideration payable in the tender or exchange offer, as reasonably determined by our board of directors.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This adjustment will become effective
immediately prior to 9:00 a.m., New York City time, on the trading day immediately following the expiration of the tender or exchange
offer<FONT STYLE="letter-spacing: 0.1pt">; provided, however, that if </FONT>we are prevented by applicable law from effecting
any purchases of our common shares pursuant to a tender offer or exchange offer, or all such purchases are rescinded, <FONT STYLE="letter-spacing: 0.1pt">the
conversion price will be readjusted as if such </FONT>tender offer or exchange offer had not been made<FONT STYLE="letter-spacing: 0.1pt">.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">No adjustment in the conversion price will be
required if such adjustment would be less than $0.01. Any adjustment not made due to this limitation must be carried forward, however,
and taken into account in any subsequent adjustment determination.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The market value of our common shares on a particular
day will be the average closing price of our common shares for a 30 consecutive trading day period prior to the date of measurement
on the NASDAQ Global Market or such other national securities exchange or automated quotation system on which our common shares
are then listed or authorized for quotation or, if our common shares are not so listed or authorized for quotation, an amount determined
in good faith by our board of directors to be the fair value of our common shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">In the event of a consolidation or merger or
similar transaction in which our outstanding common shares are exchanged for, or changed, reclassified or converted into, other
stock or securities, or cash or other property, or any combination of stock, cash or property, the outstanding Series A Preferred
Shares will, after the transaction, be convertible at each holder&rsquo;s option or upon the exercise of our conversion option,
subject to certain exceptions, on the same terms and conditions into the consideration receivable by a holder of the number of
common shares into which Series A Preferred Shares could have been converted immediately prior to the transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Series A Preferred Shares do not have rights
protecting its holders against dilution resulting from the sale of additional common shares by us.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The holders of our Series A Preferred Shares
have no voting rights except as required by Ohio law and as set forth in the Certificate of Amendment. In any matter in which the
Series A Preferred Shares may vote, each Series A Preferred Share will represent one vote.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">The affirmative
vote or consent of at least two-thirds (2/3) of the votes entitled to be cast by the holders of the outstanding Series A Preferred
Shares, voting separately as a class, in addition to any other vote required by our certificate, the Certificate of Amendment or
Ohio law, will be required to: </FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD><FONT STYLE="letter-spacing: 0.05pt">amend, alter or repeal any provision of our Articles or the Certificate of Amendment,
if the amendment, alteration or repeal would materially and adversely affect the rights, preferences, powers or privileges of the
Series A Preferred Shares; </FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left"><FONT STYLE="letter-spacing: 0.05pt">&#9679;</FONT></TD><TD><FONT STYLE="letter-spacing: 0.05pt">create, authorize, issue or increase the authorized or issued amount of any class or series
of any of our equity securities, or any warrants, options or other rights convertible or exchangeable into any class or series
of any of our equity securities, which would constitute senior shares or parity shares (other than parity shares with noncumulative
dividend rights) or reclassify any of our authorized shares into any such shares, or create, authorize or issue any obligation
or security convertible into, exchangeable or exercisable for, or evidencing the right to purchase any such shares; or </FONT></TD></TR></TABLE>


<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.3in; text-align: left">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">enter into or consummate any (i) reclassification of our outstanding common shares (other than a change in par value, or from
no par value to par value, or from par value to no par value), (ii) consolidation, merger or share exchange with or into another
entity or any merger, consolidation or share exchange of another entity with or into us (other than a consolidation, merger or
share exchange in which we are the resulting or surviving entity and which does not result in any reclassification of our outstanding
common shares), or (iii) sale, lease or other disposition to another person or entity of all or substantially all of our assets;
provided, however, that the holders of Series A Preferred Shares will have no right to vote regarding our entry into or consummation
of such an event if, upon the consummation of the event, (A)&nbsp;the Series A Preferred Shares remain outstanding or, in the case
of any such merger or consolidation with respect to which we are not the surviving or resulting entity, are converted into or exchanged
for preference securities of the surviving or resulting entity or its ultimate parent, and (B)&nbsp;such Series A Preferred Shares
remaining outstanding or such preference securities, as the case may be, have such rights, preferences, privileges and voting powers,
taken as a whole, as are not materially less favorable to the holders thereof than the rights, preferences, privileges and voting
powers of the Series A Preferred Shares, taken as a whole.</TD></TR></TABLE>

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



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Except
as otherwise re<FONT STYLE="letter-spacing: 0.05pt">quired by law, we may, without the consent of any holder of Series A Preferred Shares, (y) increase the authorized
number of Series A Preferred Shares or issue additional Series A Preferred Shares; or (z) authorize, increase the authorized amount
of, or issue shares of parity shares (provided that dividend rights are noncumulative) and junior shares, provided that such parity
or junior shares does not rank senior to the Series A Preferred Shares as to dividend rights, upon liquidation, winding-up or dissolution.
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in"><FONT STYLE="letter-spacing: 0.05pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.15pt"><B>Redemption</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: -0.15pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">The Series
A Preferred Shares may not be redeemed at the option of the Company</FONT>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">No holder of any Series A Preferred Shares will
have any preemptive right to subscribe to the Company&rsquo;s capital stock, obligations, warrants or other securities of any class,
whether now or authorized in the future.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.2in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>No Other Rights</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Neither our common shares nor our preferred
shares, including the Series A Preferred Shares, will have any preferences, voting powers or relative, participating, option or
other special rights, except as set forth in our Articles (including any applicable certificate of amendment to our Articles) or
as otherwise required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.2in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The transfer agent for the Series A Preferred
Shares will be Registrar and Transfer Company.</P>

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

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><A NAME="a_016"></A>DESCRIPTION OF THE DEPOSITARY SHARES</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>This section summarizes specific terms
of the depositary shares. The description of the depositary shares contained in this section is not complete and is qualified in
its entirety by reference to the provisions of the deposit agreement and the form of depositary receipt, which are filed as exhibits
to, and incorporated by reference in, the Registration Statement of which this prospectus constitutes a part. See &ldquo;Where
You Can Find More Information&rdquo; and &ldquo;Incorporation of Certain Information by Reference&rdquo; in this prospectus.</I></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We are issuing depositary shares representing
proportional fractional interests in the Series A Preferred Shares. Each depositary share represents a 1/100th fractional interest
in a Series A Preferred Share and will be evidenced by depositary receipts, as described below under &ldquo;&mdash; Book-Entry
Issuance.&rdquo; The Series A Preferred Shares underlying the depositary shares will be deposited with Registrar and Transfer Company,
as depositary, under a deposit agreement among us, the depositary and the holders from time to time of the depositary receipts
evidencing the depositary shares. Subject to the terms of the deposit agreement, each holder of a depositary share will be entitled,
through the depositary, in proportion to the applicable fraction of a Series A Preferred Share represented by such depositary share,
to all of the rights, preferences and privileges of the Series A Preferred Shares represented thereby (including dividend, voting,
conversion and liquidation rights).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">In this
prospectus, references to &ldquo;holders&rdquo; of depositary shares mean those who have depositary shares registered in their
own names on the books that we or the depositary maintain for this purpose. You should review the special considerations that apply
to indirect holders described below under &ldquo;</FONT>&mdash; <FONT STYLE="letter-spacing: 0.1pt">Book-Entry Issuance.&rdquo;
</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Immediately following our issuance of the Series
A Preferred Shares, we will deposit the Series A Preferred Shares with the depositary. Initially, we will issue the depositary
shares in book-entry only form through the direct registration system of our transfer agent and the depositary will deliver written
confirmation to purchasers of depositary shares. Subsequently, depositary shares may (1) be issued in the form of physical depositary
receipts, (2) be issued in book-entry form with the Depository Trust Company (&ldquo;DTC&rdquo;) or (3) continue to be held in
book-entry form through the transfer agent. See &ldquo;&mdash; Book-Entry Issuance&rdquo; below.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We will pay all transfer and other taxes and
governmental charges arising solely from the existence of the depositary arrangements and all charges of the depositary in connection
with the initial deposit of the Series A Preferred Shares, the initial issuance of the depositary shares, all withdrawals of Series
A Preferred Shares by holders of depositary shares and the registration of transfers of title to any depositary shares. However,
holders of depositary shares will pay other transfer and other taxes and governmental charges and the other charges expressly provided
in the deposit agreement to be for their accounts.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each dividend payable on a depositary share
will be in an amount equal to 1/100th of the dividend declared and payable on the related Series A Preferred Share.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The depositary will distribute all cash dividends
or other cash distributions received on the Series A Preferred Shares to the record holders of depositary shares in proportion
to the number of depositary shares held by the holders on the record date for the cash dividend or other cash dividend on the Series
A Preferred Shares. The depositary will distribute or make available for distribution, as the case may be, only such amount, however,
as can be distributed without attributing to any record holder a fraction of one cent, and any balance not so distributable will
be held by the depositary (without liability for interest thereon) and will be added to and be treated as part of the next sum
received by the depositary for distribution to record holders of depositary shares then outstanding.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If we make a distribution other than in cash,
the depositary will distribute the property it receives to the record holders of depositary receipts in proportion to the number
of depositary shares evidenced by depositary receipts those holders own on the relevant record date, unless the depositary determines
(after consultation with us) that the distribution cannot be made proportionately among those holders or that it is not feasible
to make the distribution. In that event, the depositary may, with our approval, adopt any other method for such distribution as
it deems equitable and appropriate, including the sale of such property (at such place or places and upon such terms as it may
deem equitable and appropriate) and distribution of the net proceeds from such sale to such holders.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The amount distributed to holders of depositary
shares will be reduced by any amounts required to be withheld by us or the depositary on account of taxes or other governmental
charges. The depositary may refuse to make any payment or distribution, or any transfer, exchange, or withdrawal of any depositary
shares or the Series A Preferred Shares until such taxes or other governmental charges are paid.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.15pt"><B>Voting Rights</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="letter-spacing: 0.15pt"><I>&nbsp;</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">Because
each depositary share represents a 1/100th interest in a Series A Preferred Share, holders of depositary receipts will be entitled
to 1/100th of a vote per depositary share under those limited circumstances in which holders of the Series A Preferred Shares are
entitled to a vote. See &ldquo;Description of the Series A Preferred Shares &#8213; Voting Rights.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">Upon receiving
notice of any meeting at which the holders of the Series A Preferred Shares are entitled to vote, the depositary will mail the
information contained in the notice of the meeting to the record holders of the depositary shares. Each record holder of the depositary
shares on the record date, which will be the same date as the record date for the Series A Preferred Shares, may instruct the depositary
how to exercise his or her voting rights. The depositary will endeavor, insofar as practicable, to vote or cause to be voted the
maximum number of whole Series A Preferred Shares represented by those depositary shares in accordance with those instructions
received sufficiently in advance of the meeting, and we will take all reasonable action that may be deemed necessary by the depositary
in order to enable the depositary to do so. If the depositary does not receive specific instructions from the holders of any depositary
shares representing the Series A Preferred Shares, it will not vote the amount of the Series A Preferred Shares represented by
such depositary shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">&nbsp;</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If we elect to exercise our conversion option,
the depositary will convert all depositary shares into our common shares equal to the applicable fraction or multiple of the common
shares into which the Series A Preferred Shares has been converted plus any cash for a fractional share interest.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If a holder elects to convert the holder&rsquo;s
depositary shares, the depositary will convert Series A Preferred Shares into a sufficient number of our common shares equal to
the applicable fraction or multiple of the common shares represented by the depositary shares for which conversion has been elected
plus any cash for any fractional share interest.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">After the conversion, the depositary shares
will no longer be deemed to be outstanding, and all rights of holders of the depositary shares will cease, except the right to
receive the common shares and cash to which the holders are entitled to receive upon the conversion upon the surrender to the depositary
of the depositary shares representing the depositary receipts. Any common shares and cash deposited by us with the depositary for
any depositary shares that the holders fail to convert will be returned to us after a period of two years from the date they are
deposited.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.05pt">The depositary
shares may not be redeemed at the option of the Company</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt">&nbsp;</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The depositary will forward to the holders of
depositary shares all reports and communications from us which are delivered to the depositary and which we are required to furnish
to the holders of the Series A Preferred Shares. In addition, the depositary will make available for inspection by holders of depositary
shares at the principal office of the depositary, and at such other places as it may from time to time deem advisable, any reports
and communications received from us which are received by the depositary as the holder of Series A Preferred Shares.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">We have applied for the depositary shares to
be listed on the NASDAQ Capital Market under the symbol &ldquo;_____.&rdquo; If the application for listing is approved, trading
of the depositary shares is expected to commence within 30 days following the initial issuance of the depositary shares. However,
no assurance can be given that any trading market will develop in the depositary shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Depositary, Transfer Agent and Registrar</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Registrar and Transfer Company will be the depositary,
transfer agent and registrar for the depositary shares.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Upon the completion of this offering,
we will initially issue all depositary shares in book-entry only form through the direct registration system of our transfer agent,
and the depositary will deliver written confirmation to purchasers of depositary shares. Subsequently, depositary shares may (1)
be issued in the form of physical depositary receipts, (2) be issued in book-entry form with the Depository Trust Company (&ldquo;DTC&rdquo;)
or (3) continue to be held in book-entry form through the transfer agent. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Upon request, the depositary and the
Company will make application to DTC for acceptance of all or a portion of the depositary shares for its book-entry settlement
system. So long as the depositary shares are eligible for book-entry settlement with DTC, unless otherwise required by law, all
depositary shares with book-entry settlement through DTC will be represented by a single receipt (the &ldquo;DTC Receipt&rdquo;),
which will be deposited with DTC (or its custodian) evidencing all such depositary shares and registered in the name of the nominee
of DTC (initially expected to be Cede &amp; Co.). The depositary or our transfer agent or such other entity as is agreed to by
DTC may hold the DTC Receipt as custodian for DTC. Ownership of beneficial interests in the DTC Receipt will be shown on, and the
transfer of such ownership will be effected through, records maintained by (i) DTC or its nominee for such DTC Receipt, or (ii)
institutions that have accounts with DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If issued, the DTC Receipt will be exchangeable
for depositary shares only if (i) DTC notifies the Company at any time that it is unwilling or unable to continue to make its book-entry
settlement system available for the depositary shares and a successor to DTC is not appointed by the Company within 90 days of
the date the Company is so informed in writing, (ii) DTC notifies the Company at any time that it has ceased to be a clearing agency
registered under applicable law and a successor to DTC is not appointed by the Company within 90 days of the date the Company is
so informed in writing or (iii) the Company executes and delivers to DTC a notice to the effect that such DTC Receipt shall be
so exchangeable. If the beneficial owners of interests in depositary shares are entitled to exchange such interests for depositary
shares as the result of an event described in clause (i), (ii) or (iii) of the preceding sentence, then the depositary will provide
written instructions to DTC to deliver to the depositary for cancellation the DTC Receipt, and the Company will instruct the depositary
to execute and issue to the beneficial owners of the depositary shares previously evidenced by the DTC Receipt depositary shares
either in the form of physical depositary receipts or in book-entry form.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"></P>




<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_017"></A>DESCRIPTION OF COMMON SHARES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>The following is a brief description
of the terms of our common shares. This summary does not purport to be complete in all respects. This description is subject to
and qualified in its entirety by reference to the relevant provisions of Ohio law and our Articles and Regulations, each of which
is included as an exhibit to the Registration Statement of which this prospectus is a part. See &ldquo;Where You Can Find More
Information&rdquo; and &ldquo;Incorporation of Certain Information by Reference&rdquo; in this prospectus.</I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">We are authorized under our Articles
to issue up to 10,000,000 common shares, each without par value. As of September 15, 2014, 4,875,131 common shares were outstanding
and 152,302 common shares were held by us as treasury shares. The common shares issuable upon conversion of the Series A Preferred
Shares will be issued by us from common shares held in treasury or from authorized but unissued common shares and will be fully
paid and nonassessable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Each common share entitles the holder
thereof to share ratably in SB Financial&rsquo;s net assets legally available for distribution to shareholders in the event of
our liquidation, dissolution or winding up, after payment in full of all amounts required to be paid to creditors or provision
for such payment, subject to the rights of the holders of any of our outstanding preferred shares that rank senior to the common
shares upon liquidation. With respect to the amounts to be paid upon liquidation, our Series A Preferred Shares rank senior to
the common shares.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Our Articles provide that no holder of
shares of any class of SB Financial shall have, as a matter of right, the preemptive right to purchase or subscribe for shares
of any class of SB Financial now or hereafter authorized.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Each of our outstanding common shares
entitles the holder thereof to one vote for the election of directors and for all other matters submitted to our shareholders for
their consideration. Our Articles provide that shareholders do not have the right to vote cumulatively in the election of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">We may pay dividends on our outstanding
common shares in accordance with the terms of the Ohio General Corporation Law (Chapter 1701 of the Ohio Revised Code). The Ohio
General Corporation Law generally provides that the board of directors may declare and pay dividends to shareholders, provided
that the dividend does not exceed the combination of the surplus of the corporation, which is defined generally as the excess of
the corporation&rsquo;s assets plus stated capital over its liabilities, and is not in violation of the rights of the holders of
shares of any other class. In addition, no dividend may be paid when a corporation is insolvent or there is reasonable ground to
believe that by payment of the dividend the corporation would be rendered insolvent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Our ability to obtain funds for the payment
of dividends and for other cash requirements largely depends on the amount of dividends that may be declared and paid by our subsidiaries.
Thus, as a practical matter, any restrictions on the ability of our subsidiaries, including State Bank, to pay dividends will have
the effect of restricting the amount of funds available to us for the payment of dividends on our common shares. The ability of
State Bank to pay dividends is subject to limitations under various laws and regulations and to prudent and sound banking principles.
In general, subject to certain minimum capital requirements, State Bank is permitted to declare and pay a dividend without the
approval of the Ohio Division of Financial Institutions so long as the total of the dividends in a calendar year does not exceed
State Bank&rsquo;s total net income for that year combined with its retained net income for the two preceding years. The ability
of our subsidiaries, including State Bank, to pay dividends to us is also conditioned upon their profitability, financial condition,
capital expenditures and other cash flow requirements and contractual obligations.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The dividend rights of holders of our
common shares are also qualified by and subject to the dividend rights of holders of any of our preferred shares. With respect
to the payment of dividends, the Series A Preferred Shares rank senior to the common shares. So long as any Series A Preferred
Shares are outstanding, <FONT STYLE="letter-spacing: 0.05pt">we are prohibited from paying dividends on our common shares unless
the full dividends on all outstanding Series A Preferred Shares (and, therefore, the depositary shares) have been declared and
paid (or set apart for payment) for the most recently completed dividend period.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>General</I>. Our Articles provide
for a classified board of directors consisting of not less than nine directors, with the directors divided into three classes and
elected for three-year terms. Each year the term of one class expires. As a result, approximately one-third of the directors are
elected at each annual meeting of shareholders. This can delay the ability of a significant shareholder or group of shareholders
to gain control of our board of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Our Regulations provide that the number
of directors cannot be fewer than nine nor more than 15. Currently, our board of directors consists of nine directors. Pursuant
to our Regulations, no reduction in the number of our directors may have the effect of shortening the term of any incumbent director,
and no action may be taken to increase the number of directors unless at least two-thirds of the directors then in office concur
in such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Nominations</I>. Our Regulations provide
that shareholder nominations for election to the board of directors at an annual meeting of shareholders must be made in writing
and must be delivered or mailed to the Secretary of SB Financial on or before the later of the February 1 immediately preceding
the annual meeting or the 60th day prior to the first anniversary of the most recent annual meeting of shareholders held for the
election of directors. However, if the annual meeting for the election of directors is not held before the 31<SUP>st</SUP> day
following such anniversary, then the written notice must be received by the Secretary within a reasonable time prior to the date
of such annual meeting. In the case of the election of directors at a special meeting of shareholders, our Regulations provide
that the written notice must be received by the Secretary no later than the close of business on seventh day following the day
on which the notice of the special meeting was mailed to shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The written notification of a proposed
nominee must contain the following information:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the name, age, business or residence address of the proposed nominee;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the principal occupation or employment of the proposed nominee; and</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the total number of the Company&rsquo;s common shares owned beneficially and/or of record by the proposed nominee, and the
length of time any such shares have been so owned.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><I>Removal</I>. Our Regulations provide that
a director or directors may be removed from office only by the vote of the holders of shares entitling them to exercise not less
than 80% of the voting power of SB Financial entitling them to elect directors in place of those to be removed. Under the Ohio
General Corporation Law, the removal of a director or directors of SB Financial may only be effected for cause. This will prevent
a shareholder or group of shareholders from removing incumbent directors and simultaneously gaining control of the board of directors
by filling the vacancies created by removals with their own nominees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Vacancies</I>. Failure to elect a
director to fill the unexpired term of any director removed will be deemed to create a vacancy in the board. Under the Ohio General
Corporation Law, unless a corporation&rsquo;s articles of incorporation or regulations otherwise provide, the remaining directors
of a corporation may fill any vacancy on the board by the affirmative vote of a majority of the remaining directors. Under our
Regulations, vacancies in the board, and newly created directorships resulting from any increase in the authorized number of directors,
may be filled by the affirmative vote of two-thirds of the whole authorized number of directors or by the affirmative vote of
the holders of at least four-fifths of the outstanding voting power of the corporation voting at a meeting of the shareholders
called for such purpose, or in any other manner provided by law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0"><B>Special meetings </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Pursuant to our Regulations, special
meetings of shareholders may be called only by the following: the chairman of the board, the president or, in case of the president&rsquo;s
absence, death, or disability, the vice president authorized to exercise the authority of the president; the secretary; a majority
of the directors acting with or without a meeting; or the holders of at least 25% of all of our common shares outstanding and entitled
to vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Anti-Takeover Effects of our Articles and Regulations
and Ohio Law </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Certain provisions in our Articles, Regulations
and the Ohio General Corporation Law could discourage potential takeover attempts and make attempts by shareholders to change management
more difficult. As a result, these provisions could have an adverse effect on the market price of our common shares. In addition
to the provisions described above regarding the rights and preferences of our common shares, including the provisions of Ohio law
and our Articles and Regulations relating to the classification of our board of directors, the requirements for the nomination
of directors, and the restrictions on the removal or replacement of directors, the provisions described below could also have anti-takeover
effects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Our Articles provide that, notwithstanding
any provision of the Ohio General Corporation Law requiring for any purpose the vote, consent, waiver or release of holders of
shares entitling them to exercise two-thirds or any other proportion of the voting power of SB Financial, such action, unless otherwise
provided by statute, may be taken by the vote, consent, waiver or release of the holders of shares entitling them to exercise not
less than a majority of the voting power of SB Financial. However, our Articles also provide that, unless two-thirds of the whole
authorized number of directors recommends the approval of the following matters, such matters will require the affirmative vote
of the holders of shares entitling them to exercise at least 80% of our voting power:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">a proposed amendment to the articles;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-align: left; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">proposed new regulations, or an alteration, amendment or repeal of the Regulations;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-align: left; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">an agreement providing for the merger or consolidation of SB Financial with or into one or more other corporations;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: left; padding: 0; text-indent: 0"><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;&nbsp;</P></TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-align: left; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">a proposed combination or majority share acquisition involving the issuance of shares of SB Financial and requiring shareholder
approval;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-align: left; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">a proposal to sell, lease, or exchange all or substantially all of the property and assets of SB Financial;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-align: left; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">a proposed dissolution of SB Financial; or</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-align: left; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">a proposal to fix or create the number of directors by action of the shareholders.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Business Combinations with Controlling
Persons</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Our Articles require the affirmative
vote of the holders of shares entitling them to exercise at least 80% of our voting power and the affirmative vote of at least
two-thirds of the outstanding shares not held by a &ldquo;Controlling Person,&rdquo; to approve certain &ldquo;Business Combinations.&rdquo;
A &ldquo;Controlling Person&rdquo; is any shareholder who beneficially owns shares entitling the shareholder to exercise 20% or
more of the voting power of SB Financial in the election of directors. A &ldquo;Business Combination is defined to include:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any merger or consolidation of SB Financial with or into a Controlling Person or an affiliate or associate of a Controlling
Person;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any sale, lease, exchange, transfer or other disposition of all or any substantial part of the assets of SB Financial or any
of its subsidiaries, including, without limitation, any voting securities of a subsidiary of SB Financial, to a Controlling Person
or an affiliate or associate of a Controlling Person;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any merger into SB Financial or any of its subsidiaries of a Controlling Person or an affiliate or associate of a Controlling
Person;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any sale, lease, exchange, transfer or other disposition of all or any part of the assets of a Controlling Person or an affiliate
or associate of a Controlling Person to SB Financial or any of its subsidiaries, excluding certain insignificant sales or dispositions;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any reclassification of our common shares, or any recapitalization involving our common shares consummated within five years
after the Controlling Person becomes a Controlling Person; and</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any agreement, contract or other arrangement providing for any of the above transactions.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The shareholder vote requirements described
above do not apply, however, if the Business Combination will result in an involuntary sale, redemption, cancellation or other
termination of ownership of all of our common shares owned by shareholders who do not vote in favor of, or consent in writing
to, the Business Combination and the consideration to be received by such shareholders is at least equal to the &ldquo;Minimum
Price Per Share,&rdquo; as defined in our Articles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Limited Shareholder Action by Written
Consent </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Ohio General Corporation Law requires
that an action by written consent of the shareholders in lieu of a meeting be unanimous, except that the code of regulations may
be amended by an action by written consent of holders of shares entitling them to exercise two-thirds of the voting power of the
corporation or, if the articles of incorporation or code of regulations otherwise provide, such greater or lesser amount, but not
less than a majority. This provision may have the effect of delaying, deferring or preventing a tender offer or takeover attempt
that a shareholder might consider to be in its best interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Ohio Control Share Acquisition Act
</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Section 1701.831 of the Ohio General
Corporation Law (the &ldquo;Control Share Acquisition Act&rdquo;) provides that certain notice and informational filings, and special
shareholder meeting and voting procedures, must occur prior to any person&rsquo;s acquisition of an issuer&rsquo;s shares that
would entitle the acquirer to exercise or direct the voting power of the issuer in the election of directors within any of the
following ranges:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">one-fifth or more but less than one-third of such voting power;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">one-third or more but less than a majority of such voting power; or</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">a majority or more of such voting power.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Control Share Acquisition Act does
not apply to a corporation if its articles of incorporation or code of regulations so provide. We have not opted out of the application
of the Control Share Acquisition Act.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Ohio Merger Moratorium Statute </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Chapter 1704 of the Ohio Revised Code
(the &ldquo;Merger Moratorium Statute&rdquo;) generally addresses a wide range of business combinations and other transactions
(including mergers, consolidations, asset sales, loans, disproportionate distributions of property and disproportionate issuances
or transfers of shares or rights to acquire shares) between an Ohio corporation and an &ldquo;Interested Shareholder&rdquo; who,
alone or with others, may exercise or direct the exercise of at least 10% of the voting power of the corporation in the election
of directors. The Merger Moratorium Statute prohibits such transactions between the corporation and the Interested Shareholder
for a period of three years after a person becomes an Interested Shareholder, unless, prior to such date, the directors approved
either the business combination or other transaction or approved the acquisition that caused the person to become an Interested
Shareholder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Following the three-year moratorium
period, the corporation may engage in the covered transaction with the Interested Shareholder if:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the transaction receives the approval of the holders of shares entitling them to exercise at least two-thirds of the voting
power of the corporation in the election of directors or the approval of the holders of a majority of the voting shares held by
persons other than an Interested Shareholder; or</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the remaining shareholders receive an amount for their shares equal to the higher of the highest amount paid in the past by
the Interested Shareholder for the corporation&rsquo;s shares or the amount that would be due to the shareholders if the corporation
were to dissolve.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The Merger Moratorium Statute does not
apply to a corporation if its articles of incorporation or code of regulations so provide. We have not opted out of the application
of the Merger Moratorium Statute.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Pursuant to the Ohio Anti-Greenmail Statute,
a public corporation formed in Ohio may recover profits that a shareholder makes from the sale of the corporation&rsquo;s securities
within 18 months after making a proposal to acquire control or publicly disclosing the possibility of a proposal to acquire control.
The corporation may not, however, recover from a person who proves either: (1) that his sole purpose in making the proposal was
to succeed in acquiring control of the corporation and there were reasonable grounds to believe that he would acquire control of
the corporation; or (2) that his purpose was not to increase any profit or decrease any loss in the stock. Also, before the corporation
may obtain any recovery, the aggregate amount of the profit realized by such person must exceed $250,000. Any shareholder may bring
an action on behalf of the corporation if a corporation refuses to bring an action to recover these profits. The party bringing
such an action may recover his attorneys&rsquo; fees if the court having jurisdiction over such action orders recovery of any profits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Anti-Greenmail Statute does not apply
to a corporation if its articles of incorporation or code of regulations so provide. We have not opted out of the application of
the Anti-Greenmail Statute.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The transfer agent and registrar for
our common shares is Registrar and Transfer Company located in Cranford, New Jersey.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 10pt"><A NAME="a_018"></A><B>DESCRIPTION OF
PREFERRED SHARES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>The following is a brief description
of the terms of our preferred shares. This summary does not purport to be complete in all respects. This description is subject
to and qualified in its entirety by reference to the relevant provisions of Ohio law and our Articles and Regulations, each of
which is included as an exhibit to the Registration Statement of which this prospectus is a part. </I></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">We are authorized under our Articles
to issue up to 200,000 preferred shares, each without par value. Currently, we do not have any preferred shares outstanding, and
the Series A Preferred Shares are the only series or class of our preferred shares currently authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Our authorized but unissued preferred
shares are typically referred to as &ldquo;blank check&rdquo; preferred shares. This term refers to preferred shares for which
the rights and restrictions are determined by the board of directors of a corporation at the time the preferred shares are issued.
Under our Articles, our board of directors has the authority, without any further shareholder vote or action, to provide for the
issuance of, and to issue, the authorized preferred shares in one or more series, from time to time, with such rights, preferences
and relative, participating, optional or other special rights and privileges of, and qualifications, limitations or restrictions
upon, the preferred shares, as may be provided in the amendment or amendments to the Articles adopted by our board of directors.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in; text-align: left">The authority of our board of directors
includes, but is not limited to, the determination or fixing of the following with respect to preferred shares of any series:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the division of the preferred shares into series and the designation and authorized number of shares in each series (up to
the number of preferred shares authorized);</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">dividend or distribution rights and dividend rate;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">liquidation rights, preference and price;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">redemption rights and price;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any sinking fund requirements;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">voting rights;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">pre-emptive rights;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">conversion rights;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any restrictions on the issuance of shares; and</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">any other relative, participating, optional or other special rights and privileges.</TD></TR>
</TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Under Ohio law, absent a determination
by our board of directors to establish different voting rights, holders of preferred shares would be entitled to one vote per
share on matters to be voted upon by the holders of common shares and preferred shares voting together as a single class. Ohio
law would also entitle the holders of preferred shares to exercise a class vote on certain matters.</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left">Series A Preferred Shares</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: left; text-indent: 0.5in"><FONT STYLE="font-weight: normal">For
a detailed description of our Series A Preferred Shares, see &ldquo;Description of the Series A Preferred Shares&rdquo; beginning
on page 49 of this prospectus and the Certificate of Amendment to Articles attached as Exhibit 3.7 to the Registration Statement
of which this prospectus constitutes a part. </FONT></P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_019"></A>MATERIAL U.S. FEDERAL INCOME TAX
CONSEQUENCES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The following discussion summarizes the
material U.S. federal income tax consequences to U.S. holders (as defined below) with respect to the acquisition, ownership and
disposition (by conversion, sale or redemption) of the depositary shares acquired pursuant to this offering and common shares issued
upon conversion of such depositary shares. This summary is based upon current provisions of the Internal Revenue Code of 1986,
as amended from time to time (the &ldquo;Code&rdquo;), Treasury regulations and judicial and administrative authority, all as in
effect as of the date hereof and all of which are subject to differing interpretations or change, possibly with retroactive effect.
This summary is limited to investors who will hold the depositary shares and common shares issued upon conversion as capital assets
and does not discuss all aspects of U.S. federal income taxation that may be important to particular investors in light of their
individual circumstances. No ruling has been or will be sought from the IRS regarding any matter discussed herein, and we cannot
assure you that the IRS will not challenge one or more of the tax consequences described below.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">This discussion does not
address the tax consequences to investors who are subject to special tax rules, such as banks and other financial
institutions, insurance companies, real estate investment trusts, regulated investment companies, grantor trusts, governments
and governmental entities, broker-dealers, employee stock purchase plans, partnerships and other pass-through
entities, tax-exempt organizations, investors that will hold the depositary shares or common shares issued upon conversion as
part of a straddle, hedge, conversion, constructive sale, or other integrated security transaction for U.S. federal income
tax purposes, traders that elect to mark-to-market their securities, persons that acquire depositary shares in connection
with employment or other performance of services, persons subject to the alternative minimum tax, U.S. expatriates, U.S.
holders (as defined below) that have a functional currency that is not the U.S. dollar, controlled foreign corporations, or
passive foreign investment companies, all of whom may be subject to tax rules that differ significantly from those summarized
below. In addition, this summary does not address any U.S. federal tax considerations<I> </I>other than income taxation (such
as estate or gift taxation) or any state, local or non-U.S. tax consequences. You should consult your own tax advisor
regarding the U.S. federal, state, local, and non-U.S. income and other tax considerations of the acquisition, ownership and
disposition of the depositary shares and common shares issued upon conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">For purposes of this summary, you are
a &ldquo;U.S. holder&rdquo; if you are a beneficial owner of the depositary shares or common shares issued upon conversion, as
applicable, and you are for U.S. federal income tax purposes (i)&nbsp;an individual citizen or resident of the United States, (ii)&nbsp;a
corporation (including any entity treated as a corporation for U.S. federal income tax purposes) created or organized in the United
States or under the laws of the United States, any state thereof or the District of Columbia, (iii)&nbsp;an estate the income of
which is subject to U.S. federal income taxation regardless of its source, or (iv)&nbsp;a trust if it (A)&nbsp;is subject to the
primary supervision of a court within the United States and one or more United States persons have the authority to control all
substantial decisions of the trust, or (B)&nbsp;has a valid election in effect under applicable Treasury regulations to be treated
as a United States person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">If a partnership (including any entity
treated as a partnership for U.S. federal income tax purposes) is a holder of the depositary shares or common shares issued upon
conversion, the U.S. federal income tax treatment of a partner in the partnership will generally depend on the status of the partner
and the activities of the partnership. If you are a partnership or a partner of a partnership holding depositary shares or common
shares issued upon conversion, you should consult your own tax advisor as to the particular U.S. federal income tax consequences
of the purchase, ownership and disposition of the depositary shares and common shares issued upon conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Beneficial owners of the depositary shares
will be treated for U.S. federal income tax purposes as if they were owners of the underlying Series A Preferred Shares represented
by such depositary shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>THIS DISCUSSION IS NOT INTENDED TO
CONSTITUTE A COMPLETE ANALYSIS OF ALL TAX CONSIDERATIONS RELEVANT TO AN INVESTMENT IN THE DEPOSITARY SHARES. PROSPECTIVE INVESTORS
SHOULD SEEK ADVICE FROM THEIR OWN INDEPENDENT TAX ADVISORS CONCERNING THE U.S. FEDERAL, STATE AND LOCAL, AS WELL AS NON-U.S. INCOME
AND OTHER TAX CONSEQUENCES TO THEM, IN LIGHT OF THEIR PARTICULAR CIRCUMSTANCES, OF PURCHASING, OWNING AND DISPOSING OF THE DEPOSITARY
SHARES.</B></P>

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



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Distributions.</I></B> In general,
if distributions are made with respect to the depositary shares or common shares issued upon conversion, the distributions will
be treated as dividends to the extent of our current and accumulated earnings and profits as determined for U.S. federal income
tax purposes. Any portion of a distribution made with respect to the depositary shares or common shares issued upon conversion
in excess of our current and accumulated earnings and profits is treated first as a nontaxable return of capital reducing your
tax basis in such depositary shares or common shares issued upon conversion, as applicable. Any amount in excess of such tax basis
is treated as capital gain, the tax treatment of which is discussed below under &ldquo;&mdash; Sale or Redemption.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Dividends received by individual holders
of the depositary shares or common shares issued upon conversion will generally be subject to a reduced maximum tax rate of 20%
if such dividends are treated as &ldquo;qualified dividend income&rdquo; for U.S. federal income tax purposes. The rate reduction
does not apply to dividends that are paid to individual holders with respect to depositary shares or common shares issued upon
conversion that are held for 60 days or less during the 121-day period beginning on the date which is 60 days before the date on
which the depositary shares or common shares issued upon conversion become ex-dividend. Furthermore, the rate reduction does not
apply to dividends received to the extent that an individual holder elects to treat the dividends as &ldquo;investment income&rdquo;
for purposes of determining the holder&rsquo;s limit for the deduction of investment interest under Section 163(d) of the Code.
You should consult your own tax advisor regarding the implications of these rules in light of your particular circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Dividends received by corporate holders
of the depositary shares or common shares issued upon conversion may be eligible for a dividends received deduction equal to 70%
of the amount of the distribution treated as a dividend, subject to applicable limitations, including limitations related to &ldquo;debt
financed portfolio stock&rdquo; under Section 246A of the Code and to the holding period requirements of Section 246(c) of the
Code. In addition, any amount received by a corporate holder that is treated as a dividend may, if such dividend exceeds certain
thresholds in relation to the holder&rsquo;s adjusted tax basis in the depositary shares or common shares issued upon conversion
and depending on other circumstances, constitute an &ldquo;extraordinary dividend&rdquo; subject to the provisions of Section 1059
of the Code. Under Section 1059, a corporate holder that has held shares for two years or less before the dividend announcement
date generally must reduce the tax basis of the holder&rsquo;s shares with respect to which such dividend was paid (but not below
zero) by the &ldquo;non-taxed portion&rdquo; of any &ldquo;extraordinary dividend&rdquo; and, if the non-taxed portion exceeds
the holder&rsquo;s tax basis for the shares, must treat any excess as gain from the sale or exchange of the shares in the year
the payment is received. Individual holders of depositary shares or common shares issued upon conversion who receive any &ldquo;extraordinary
dividends&rdquo; that are treated as &ldquo;qualified dividend income&rdquo; (as discussed above) will be required to treat any
losses on the sale of such depositary shares or common shares issued upon conversion as long-term capital losses to the extent
of such dividends. You should consult your own tax advisor regarding the extent, if any, to which these provisions may apply to
you in light of your particular facts and circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In general, for purposes of meeting
the holding period requirements for both the dividends received deduction and the reduced maximum tax rate on dividends described
above, holders may not count toward their holding period any period in which they (i)&nbsp;have the option to sell, are under
a contractual obligation to sell, or have made (and not closed) a short sale of depositary shares or common shares issued upon
conversion, or substantially identical stock or securities, (ii)&nbsp;are the grantor of an option to buy depositary shares or
common shares issued upon conversion, or substantially identical stock or securities or (iii)&nbsp;otherwise have diminished their
risk of loss by holding one or more other positions with respect to substantially similar or related property. Treasury regulations
provide that a taxpayer has diminished its risk of loss on stock by holding a position in substantially similar or related property
if the taxpayer is the beneficiary of a guarantee, surety agreement or similar arrangement that provides for payments that will
substantially offset decreases in the fair market value of the stock. In addition, the Code disallows the dividends received deduction
as well as the reduced maximum tax rate on dividends if the recipient of a dividend is obligated to make related payments with
respect to positions in substantially similar or related property. This disallowance applies even if the minimum holding period
has been met. You should consult your own tax advisor regarding the implications of these rules in light of your particular circumstances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><B><I>Conversion of Depositary Shares.
</I></B> A holder generally will not recognize gain or loss upon the conversion of the depositary shares into common shares, except
with respect to any cash received in lieu of a fractional common share, as described below. <FONT STYLE="letter-spacing: 0.15pt">Generally,
a holder&rsquo;s adjusted tax basis in the common shares received upon the conversion of the depositary shares will equal the
adjusted tax basis of the converted depositary shares (reduced by the portion of the adjusted tax basis allocated to any fractional
common share deemed exchanged for cash, as described below). The holding period of such common shares will include the holding
period of the converted depositary shares.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.15pt">Cash
received in lieu of a fractional common share will generally be treated as a payment in a taxable exchange for such fractional
common share, and capital gain or loss will be recognized on the receipt of cash in an amount equal to the difference between the
amount of cash received and the amount of the adjusted tax basis of the converted depositary shares allocable to the fractional
common share. The adjusted tax basis of the converted depositary shares will be allocated between the common shares received upon
the conversion of the depositary shares and the fractional common share in accordance with their respective fair market values.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="letter-spacing: 0.1pt"><B><I>Adjustment
of Conversion Price in Respect of Depositary Shares.</I></B> The conversion price of the depositary shares is subject to adjustment
under certain circumstances. A holder of the depositary shares may, in certain circumstances, be deemed to have received a distribution
with respect to the depositary shares if the conversion price is adjusted and such adjustment has the effect of increasing such
holder&rsquo;s proportionate interest in our earnings and profits or assets. Such a deemed distribution would be includable in
such holder&rsquo;s income in the manner set forth above under </FONT>&ldquo;&mdash; Distributions.&rdquo;
For example, if the conversion price is adjusted as a result of a distribution that is taxable to holders of our common shares,
such as a cash dividend, you may be deemed to have received a dividend subject to U.S. federal income tax even though you do not
receive a corresponding cash distribution. In addition, an adjustment to the conversion price or a failure to make (or adequately
make) such an adjustment may give rise to constructive distributions to holders of the depositary shares or holders of our common
shares. Thus, under certain circumstances, holders may recognize income in the event of a constructive distribution even though
they may not receive any cash or property. Adjustments to the conversion price made pursuant to a bona fide reasonable adjustment
formula which has the effect of preventing the dilution of the interest of the holders of the depositary shares generally will
not be deemed to result in a constructive distribution with respect to the depositary shares. Generally, a holder&rsquo;s tax basis
in the depositary shares will be increased to the extent that any such constructive distribution is treated as a dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Sale or Redemption.</I></B> On
the sale or exchange of the depositary shares or common shares issued upon conversion to a party other than us, you generally will
realize capital gain or loss in an amount equal to the difference between (i)&nbsp;the amount of cash and the fair market value
of any property you receive on the sale or exchange and (ii)&nbsp;your tax basis in the depositary shares or common shares issued
upon conversion. You should consult your own tax advisor regarding applicable rates, holding periods and netting rules for capital
gains and losses in light of your particular facts and circumstances. Certain limitations exist on the deduction of capital losses
by both corporate and non-corporate taxpayers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">On the redemption by us of depositary
shares or common shares issued upon conversion, the redemption proceeds you receive upon surrender of the depositary shares or
common shares issued upon conversion will be treated either as a payment received upon a sale or exchange of the depositary shares
or common shares issued upon conversion or as a distribution with respect to your equity interests in us, depending upon whether
and to what extent the redemption reduces your deemed percentage stock ownership in us.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">A redemption will be treated as a sale
or exchange of the depositary shares or common shares issued upon conversion (as discussed above) if:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in; padding: 0; text-indent: 0"></TD><TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the redemption is &ldquo;substantially disproportionate&rdquo; with respect to you within the meaning of Section 302(b)(2)
of the Code;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the redemption results in a &ldquo;complete redemption&rdquo; of your equity interest in us (within the meaning of Section
302(b)(3) of the Code); or</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD><TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="padding: 0; text-indent: 0"></TD><TD STYLE="padding: 0; text-align: left; text-indent: 0">&#9679;</TD><TD STYLE="padding: 0; text-indent: 0">the redemption is &ldquo;not essentially equivalent to a dividend&rdquo; with respect to you (within the meaning of Section
302(b)(1) of the Code).</TD></TR></TABLE>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">In determining whether any of these
tests has been met, you must take into account not only the depositary shares, common shares issued upon conversion and other
equity interests in us that you actually own, but also shares and other equity interests that you constructively own within the
meaning of Section 318 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">If none of the above tests giving rise
to sale or exchange treatment is satisfied, then a payment made in redemption of the depositary shares or common shares issued
upon conversion will be treated as a distribution that is subject to the tax treatment described above under &ldquo;&mdash; Distributions.&rdquo; The amount of the distribution will be equal to the amount of cash and the fair market value
of property you receive without any offset for your tax basis in the depositary shares or common shares issued upon conversion.
Your tax basis in the redeemed depositary shares or common shares issued upon conversion generally will be transferred to your
remaining equity interests in us.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Any redemption proceeds that are attributable
to any declared but unpaid dividends on the depositary shares or common shares issued upon conversion will generally be subject
to the rules described above under &ldquo;&mdash; Distributions.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">You should consult your own tax advisor
regarding: (i)&nbsp;whether a redemption payment will be treated as received in connection with a sale or exchange under Section
302 of the Code or, alternatively, will be characterized as a distribution; and (ii)&nbsp;the resulting tax consequences to you
in light of your individual facts and circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Medicare Contribution Tax. </I></B>U.S.
holders that are individuals, estates or certain trusts are required to pay a 3.8% tax (the &ldquo;Medicare Contribution Tax&rdquo;)
on the lesser of (i)&nbsp;the U.S. holder&rsquo;s &ldquo;net investment income&rdquo; in the case of an individual, or undistributed
&ldquo;net investment income&rdquo; in the case of an estate or trust, in each case for the relevant taxable year and (ii)&nbsp;the
excess of the U.S. holder&rsquo;s modified adjusted gross income in the case of an individual, or adjusted gross income in the
case of an estate or trust, in each case for the taxable year, over a certain threshold (which in the case of individuals will
be between $125,000 and $250,000 depending on the individual&rsquo;s circumstances). Net investment income generally includes dividends
and net gains from the disposition of the depositary shares or common shares issued upon conversion, unless such income or gains
are derived in the ordinary course of the conduct of a trade or business (other than a trade or business that consists of certain
passive or trading activities). A U.S. holder that is an individual, estate or trust should consult its tax advisor regarding the
applicability of the Medicare Contribution Tax to its income and gains in respect of its investment in the depositary shares and
common shares issued upon conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B><I>Information Reporting and Backup
Withholding.</I></B> Information reporting will generally apply to non-corporate U.S. holders with respect to payments of dividends
on the depositary shares or common shares issued upon conversion and to certain payments of proceeds on the sale or other disposition
of the depositary shares or common shares issued upon conversion. Certain non-corporate U.S. holders may be subject to U.S. backup
withholding (currently at a rate of 28%) on payments of dividends on the depositary shares or common shares issued upon conversion
and certain payments of proceeds on the sale or other disposition of the depositary shares or common shares issued upon conversion
unless the beneficial owner of the depositary shares or common shares issued upon conversion furnishes the payor or its agent with
a taxpayer identification number, certified under penalties of perjury, and certain other information, or otherwise establishes,
in the manner prescribed by law, an exemption from backup withholding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">U.S. backup withholding is not an additional
tax. Any amounts withheld under the backup withholding rules may be allowed as a credit against a U.S. holder&rsquo;s U.S. federal
income tax liability, which may entitle the U.S. holder to a refund, provided the U.S. holder timely furnishes the required information
to the IRS.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><B>Recent Legislation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Foreign Account Tax Compliance Act,
or FATCA, which was enacted in 2010, imposes a 30% withholding tax on certain types of payments made to &ldquo;foreign financial
institutions&rdquo; and certain other non-U.S. entities unless certain due diligence, reporting, withholding, and certification
requirements are satisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">As a general matter, FATCA imposes a
30% withholding tax on dividends on, and gross proceeds from the sale or other disposition of, the depositary shares or common
shares issued upon conversion if paid to a foreign entity unless either (i)&nbsp;the foreign entity is a &ldquo;foreign financial
institution&rdquo; that undertakes certain due diligence, reporting, withholding, and certification obligations, (ii)&nbsp;the
foreign entity is not a &ldquo;foreign financial institution&rdquo; and identifies certain of its U.S. investors, or (iii)&nbsp;the
foreign entity otherwise is excepted under FATCA.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Under a delayed effective date provided
for in Treasury regulations, withholding would only be required with respect to gross proceeds from the sale or other disposition
of the depositary shares or common shares issued upon conversion that occurs on or after January 1, 2017. If withholding is required
under FATCA on a payment related to the depositary shares or common shares issued upon conversion, investors that otherwise would
not be subject to withholding (or that otherwise would be entitled to a reduced rate of withholding) generally will be required
to seek a refund or credit from the IRS to obtain the benefit of such exemption or reduction (provided that such benefit is available).
Prospective investors should consult their own tax advisors regarding the possible implications of this legislation on their investment
in the depositary shares and common shares issued upon conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 10pt"><A NAME="a_020"></A><B>CERTAIN ERISA CONSIDERATIONS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">A fiduciary of a pension, profit-sharing
or other employee benefit plan subject to the U.S. Employee Retirement Income Security Act of 1974, as amended (&ldquo;ERISA&rdquo;)
(each, a &ldquo;Plan&rdquo;), should consider the fiduciary standards of ERISA in the context of the Plan&rsquo;s particular circumstances
before authorizing an investment in the depositary shares. Among other factors, the fiduciary should consider whether the investment
would satisfy the prudence and diversification requirements of ERISA and would be consistent with the documents and instruments
governing the Plan, and whether the investment would involve a prohibited transaction under ERISA or the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Section 406 of ERISA and Section 4975
of the Code prohibit Plans, as well as individual retirement accounts, Keogh plans and any other plans that are subject to Section
4975 of the Code (also referred to herein as &ldquo;Plans&rdquo;) from engaging in certain transactions involving &ldquo;plan assets&rdquo;
with persons who are &ldquo;parties in interest&rdquo; under ERISA or &ldquo;disqualified persons&rdquo; under the Code with respect
to the Plan. A violation of these prohibited transaction rules may result in excise tax or other liabilities under ERISA or the
Code for those persons, unless exemptive relief is available under an applicable statutory, regulatory or administrative exemption.
Employee benefit plans that are governmental plans (as defined in Section 3(32) of ERISA), certain church plans (as defined in
Section 3(33) of ERISA) and non-U.S. plans (as described in Section 4(b)(4) of ERISA) (&ldquo;Non-ERISA Arrangements&rdquo;) are
not subject to the requirements of Section 406 of ERISA or Section 4975 of the Code but may be subject to similar provisions under
applicable federal, state, local, non-U.S or other laws (&ldquo;Similar Laws&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The acquisition or holding of depositary
shares by a Plan or any entity whose underlying assets include &ldquo;plan assets&rdquo; by reason of any Plan&rsquo;s investment
in the entity (a &ldquo;Plan Asset Entity&rdquo;) with respect to which we or certain of our affiliates is or becomes a party
in interest or disqualified person may result in a prohibited transaction under ERISA or Section 4975 of the Code, unless the
depositary shares are acquired and held pursuant to an applicable exemption. The U.S. Department of Labor has issued prohibited
transaction class exemptions, or &ldquo;PTCEs,&rdquo; that may provide exemptive relief if required for direct or indirect prohibited
transactions that may arise from the purchase or holding of depositary shares. These exemptions include PTCE 84-14 (for certain
transactions determined by independent qualified professional asset managers), PTCE 90-1 (for certain transactions involving insurance
company pooled separate accounts), PTCE 91-38 (for certain transactions involving bank collective investment funds), PTCE 95-60
(for transactions involving certain insurance company general accounts), and PTCE 96-23 (for transactions managed by in-house
asset managers). In addition, ERISA Section 408(b)(17) and Section 4975(d)(20) of the Code may provide an exemption for the purchase
and sale of the depositary shares, provided that neither the issuer of the depositary shares nor any of its affiliates have or
exercise any discretionary authority or control or render any investment advice with respect to the assets of any Plan involved
in the transaction, and provided further that the Plan pays no more and receives no less than &ldquo;adequate consideration&rdquo;
in connection with the transaction to the nonfiduciary service provider (the &ldquo;service provider exemption&rdquo;). There
can be no assurance that all of the conditions of any such exemptions will be satisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Any purchaser or holder of depositary
shares or any interest therein will be deemed to have represented by its purchase and holding of depositary shares offered hereby
that it either (1) is not a Plan, a Plan Asset Entity or a Non-ERISA Arrangement and is not purchasing the depositary shares on
behalf of or with the assets of any Plan, a Plan Asset Entity or Non-ERISA Arrangement or (2) the purchase and holding of the
depositary shares will not constitute a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code
or a similar violation under any applicable Similar Laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The foregoing discussion is general
in nature, is not intended to be all inclusive, and is based on laws in effect on the date hereof. Such discussion should not
be construed as legal advice. Due to the complexity of these rules and the penalties that may be imposed upon persons involved
in non-exempt prohibited transactions, it is important that fiduciaries or other persons considering purchasing depositary shares
on behalf of or with the assets of any Plan, a Plan Asset Entity or Non-ERISA Arrangement consult with their counsel regarding
the availability of exemptive relief under any of the PTCEs listed above, the service provider exemption or the potential consequences
of any purchase or holding under Similar Laws, as applicable. Purchasers of depositary shares have exclusive responsibility for
ensuring that their purchase and holding of depositary shares do not violate the fiduciary or prohibited transaction rules of
ERISA or the Code or any similar provisions of Similar Laws. The sale of any depositary shares to a Plan, Plan Asset Entity or
Non-ERISA Arrangement is in no respect a representation by us or any of our affiliates or representatives that such an investment
meets all relevant legal requirements with respect to investments by, or is appropriate for, any such Plans, Plan Asset Entities
or Non-ERISA Arrangements generally or any particular Plan, Plan Asset Entity or Non-ERISA Arrangement.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: center"><B><A NAME="a_021"></A>PLAN
OF DISTRIBUTION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The depositary shares are being offered
and sold in a best efforts underwritten offering. We are offering the depositary shares through a placement agent, KBW. KBW will
enter into an agency agreement with us pursuant to which it will agree to act as our exclusive financial advisor and placement
agent in connection with this offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Under the agency agreement, KBW will
agree to use its bests efforts to arrange for the sale of the depositary shares in a syndicated offering, if necessary. KBW is
not purchasing or selling any depositary shares, nor is it required to arrange for the purchase or sale of any specific number
or dollar amount of the depositary shares in the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: left"><B>Offering Priorities and Purchase
Limitations</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We are offering up to 1,500,000 depositary
shares for sale to the public in the following order of priority: (1) to our existing shareholders; (2) to our customers and members
of the communities we serve; and (3) to the extent that depositary shares remain available for purchase, in a syndicated offering
managed by KBW. The minimum number of depositary shares you may purchase in the offering is 100 depositary shares. The maximum
number of depositary shares that you may purchase in the offering is the lesser of (i) 250,000 depositary shares or (ii) the number
of depositary shares, assuming conversion of such depositary shares into our common shares, whereby your total beneficial ownership
of our common shares (including any common shares currently owned) would not exceed 5% of our outstanding common shares after the
offering. The filling of subscriptions received in the offering will depend on the availability of depositary shares after satisfaction
of all subscriptions having a higher priority in the offering and to the minimum, maximum and overall purchase limitations. All
subscription orders submitted in the offering will be subject to our right, in our sole discretion, to accept or reject any such
orders in whole or in part either at the time of receipt of an order or as soon as practicable following the expiration date of
the offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in"><B><I>Priority 1 &ndash; Existing Shareholders</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Each shareholder of SB Financial who is a beneficial
owner of our common shares will be given the opportunity to purchase, subject to the overall purchase limitations, up to the lesser
of (a) 250,000 depositary shares ($2,500,000), or (b) the number of depositary shares, assuming conversion of such depositary shares
into our common shares, whereby the purchaser&rsquo;s total beneficial ownership of our common shares (including any common shares
currently owned) would not exceed 5% of our outstanding common shares after the offering.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If there are not sufficient depositary shares
available to satisfy all subscriptions in the shareholder offering, shares will first be allocated so as to permit each shareholder
subscriber to purchase a number of depositary shares equal to the lesser of (i) [&#9679;] depositary shares ($[&#9679;]) or (ii)
the number of depositary shares for which he or she subscribed. The unallocated depositary shares will then be allocated to each
shareholder subscriber whose subscription remains unsatisfied in the proportion in which the aggregate number of shares as to which
each such shareholder subscription remains unsatisfied bears to the aggregate number of shares as to which all shareholder subscriptions
remain unsatisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Priority 2 &ndash; Customers and Residents
of Local Community</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">To the extent that depositary shares remain
available for purchase after satisfaction of all subscriptions in the shareholder offering, we may offer depositary shares to customers
of State Bank and to residents of the local communities we serve. For this purpose, you will be considered to be a resident of
the &ldquo;local communities&rdquo; we serve if you reside in any of the following counties: Allen, Defiance, Franklin, Fulton,
Lucas, Paulding, Wood and Williams Counties, Ohio; and Allen and Steuben Counties, Indiana.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Customers of State Bank and residents of our
local communities will be given the opportunity to purchase, subject to the overall purchase limitations, up to the lesser of (a)
250,000 depositary shares ($2,500,000), or (b) the number of depositary shares, assuming conversion of such depositary shares into
our common shares, whereby the purchaser&rsquo;s total beneficial ownership of our common shares (including any common shares currently
owned) would not exceed 5% of our outstanding common shares after the offering.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">If there are not sufficient depositary shares
available to satisfy all subscriptions in customer and community offering, shares will first be allocated so as to permit each
customer/community subscriber to purchase a number of depositary shares equal to the lesser of (i) [&#9679;] depositary shares ($[&#9679;])
or (ii) the number of depositary shares for which he or she subscribed. The unallocated depositary shares will then be allocated
to each customer/community subscriber whose subscription remains unsatisfied in the proportion in which the aggregate number of
shares as to which each such customer/community subscription remains unsatisfied bears to the aggregate number of shares as to
which all customer/community subscriptions remain unsatisfied.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><B><I>Priority 3 &ndash; Syndicated Offering</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"> We may offer depositary
shares to interested investors without regard to the investor&rsquo;s status as either an existing shareholder of SB Financial
or customer of State Bank, and without regard to the investor&rsquo;s place of residence, in a syndicated offering in a manner
that will achieve a widespread distribution of our depositary shares to the general public.&nbsp;&nbsp;The syndicated offering
may begin concurrently with, during or after the commencement or termination of the shareholder and customer/community offerings,
but priority will be given to shareholder and customer/community subscriptions in filling orders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">If a syndicated offering is held, KBW
will serve as sole placement agent and will assist us in selling our depositary shares on a best efforts basis.&nbsp;&nbsp;In such
capacity, KBW may form a syndicate of other broker-dealers who are Financial Industry Regulatory Authority member firms.&nbsp;&nbsp;Neither
KBW nor any registered broker-dealer will have any obligation to take or purchase any of the depositary shares sold in the syndicated
offering.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">If there are not sufficient depositary
shares available to satisfy all subscriptions received in the syndicated offering, shares will be allocated to each such subscriber
whose subscription remains unsatisfied in the proportion in which the aggregate number of shares as to which each such syndicated
offering subscription remains unsatisfied bears to the aggregate number of shares as to which all such syndicated offering subscriptions
remain unsatisfied.&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Marketing and Distribution; Compensation</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Offering materials have been initially
distributed to certain persons by mail, with additional copies made available through our Offering Information Center.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have engaged KBW to serve as a financial
advisor and our exclusive placement agent in connection with the offering of our depositary shares. In its role as financial advisor
and placement agent, KBW will:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0; width: 0.5in"></TD>
    <TD STYLE="width: 0.3in; text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">provide advice on the financial and securities market implications of the offering;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-align: left; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">assist in structuring our offering,
including developing and assisting in implementing a marketing strategy for the offering;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0"><P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
                                                       <P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P></TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">review all offering documents,
including this prospectus, stock order forms and related offering materials (although we are responsible for the preparation and
filing of such documents);</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">assist us in analyzing proposals
from outside vendors retained in connection with the offering, including printers, escrow agents, etc.;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">assist us in the drafting and
distribution of press releases as required or appropriate in connection with the offering;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">assist us in preparing for
and scheduling meetings with potential investors and broker-dealers, as necessary;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">establish and manage an Offering
Information Center during the offering period;</TD></TR>
</TABLE>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" BORDER="0" STYLE="width: 100%; margin-bottom: 12pt; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0; width: 0.5in">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 0.3in; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">process order and certification
forms and produce daily reports and analyses;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">assist our transfer agent with
the generation and mailing of statements of ownership;</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">meet with our board of directors
and management to discuss any of these services; and</TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="text-align: left; padding: 0; text-indent: 0">&#9679;</TD>
    <TD STYLE="padding: 0; text-indent: 0">provide such other financial
advisory and investment banking services in connection with the offering as may be agreed upon by KBW and us.</TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">For these services, KBW will receive
a fee equal to 3.5% of the aggregate dollar amount of depositary shares sold in the shareholder and customer/community offerings,
if the offering is consummated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">As described above, if necessary, depositary
shares not purchased in the shareholder and customer/community offerings may be offered for sale to the general public in a syndicated
offering to be managed by KBW. In such capacity, KBW may form a syndicate of other broker-dealers. Neither KBW nor any registered
broker-dealer will have any obligation to take or purchase any depositary shares in the syndicated offering; however, KBW has agreed
to use its best efforts in the sale of depositary shares in any syndicated offering. If there is a syndicated offering, KBW will
receive a fee not to exceed 5.5% of the aggregate dollar amount of the depositary shares sold in the syndicated offering. Of this
amount, KBW will pass on to selected broker-dealers, if any, who assist in the syndicated offering, an amount competitive with
fees or commissions charged at such time for comparable amounts of securities sold at a comparable price per share in a similar
market environment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">The following table sets forth the fee
payable to KBW as a percentage of the aggregate offering proceeds at the minimum and maximum of the offering, and the proceeds
payable to us after payment of such fee, before expenses. The offering expenses and other expenses incurred in connection with
this offering are expected to be approximately $[&#9679;].</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; padding-bottom: 1.5pt">Per</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Total</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Depositary Share</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Minimum Offering</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1.5pt solid">Maximum Offering</TD><TD STYLE="font-weight: bold; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 64%">Public offering price</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">10.00</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">10,000,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">15,000,000</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Placement agent fee in shareholder and customer/community offerings <SUP>(1)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Placement agent fee in syndicated offering <SUP>(1)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Proceeds to us, before expenses</FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">[&#9679;]</FONT></TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>



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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 2pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 5%; text-align: left">(1)</TD><TD STYLE="width: 95%">Represents fees payable to Keefe, Bruyette &amp; Woods, Inc. equal to 3.5% of the aggregate dollar amount of depositary shares
sold in the shareholder and customer/community offerings and 5.5% of the aggregate dollar amount of depositary shares sold in the
syndicated offering. We have assumed that [&#9679;]% of the depositary shares will be sold in the shareholder and customer/community
offerings and [&#9679;]% of the depositary shares will be sold in the syndicated offering.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0; text-indent: 0.5in">We also will reimburse KBW for its reasonable
out-of-pocket expenses incurred in connection with its engagement hereunder, regardless of whether the offering is consummated,
including, without limitation, legal fees and expenses, marketing, syndication and travel expenses. If the offering is not consummated
or if KBW&rsquo;s engagement is terminated in accordance with the provisions of the agency agreement, KBW will only receive reimbursement
of its reasonable out-of-pocket expenses, including legal fees and expenses paid to its counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have agreed to indemnify KBW and certain
other persons against certain liabilities, including liabilities under the Securities Act, related to or arising out of its engagement
as our financial advisor and placement agent and performance of services in connection therewith. We have also agreed to contribute
to payments KBW may be required to make with respect to any such liabilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">KBW has not prepared any report or opinion
constituting a recommendation or advice to us or to persons who subscribe for depositary shares in the offering, nor has it prepared
an opinion as to the fairness to us of the purchase price or the terms of the depositary shares to be sold in the offering. KBW
expresses no opinion as to the prices at which depositary shares to be issued may trade.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our directors and executive officers
may participate in the solicitation of offers to purchase depositary shares. These persons will be reimbursed for their reasonable
out-of-pocket expenses incurred in connection with the solicitation. Other trained employees of SB Financial or its affiliates
may assist in the offering in ministerial capacities, providing clerical work in effecting a sales transaction or answering questions
of a ministerial nature. No offers or sales may be made by tellers or at the teller counters. Investment related questions of
prospective purchasers will be directed to our executive officers or registered representatives of KBW. Our other employees have
been instructed not to solicit offers to purchase depositary shares or provide advice regarding the purchase of depositary shares.
We will rely on Rule 3a4-1 under the Securities Exchange Act of 1934, and sales of depositary shares will be conducted within
the requirements of Rule 3a4-1, so as to permit officers, directors and employees to participate in the sale of the depositary
shares. None of our officers, directors or employees will be compensated in connection with their participation in the offering
by the payment of commissions or other remuneration based either directly or indirectly on the transactions in the depositary
shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The offering will comply with the requirements
of Rule 10b-9 under the Securities Exchange Act of 1934.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Escrow Agreement</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We have entered into an escrow agreement
with U.S. Bank pursuant to which the subscription funds received in the offering will be held in escrow until we have sold at least
the minimum of 1,000,000 depositary shares in the offering and have met certain other closing conditions. We will not accept any
subscription until at least a minimum of 1,000,000 of the depositary shares being offered have been sold. If we have not sold the
minimum of 1,000,000 depositary shares by the expiration date of the offering, or any extension thereof, we will terminate the
offering and cancel all orders, and payment will be returned promptly to the subscribers, without interest. We have agreed to pay
U.S. Bank a fee of $[&#9679;] for acting as escrow agent in connection with the offering. <B>U.S. Bank is acting only as an escrow
agent in connection with the offering of securities described herein, and has not endorsed, recommended or guaranteed the purchase,
value or repayment of such securities.</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Lock-up Arrangements</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The Company, and each of
its directors and executive officers in their individual capacities, have agreed with the placement agent, subject to
certain exceptions, not to dispose of or hedge any of our common shares or securities convertible into or exchangeable for
our common shares beneficially owned by them during the period from the date of this prospectus continuing through the
offering and for 90 days following the closing of the offering, except with the prior written consent of KBW. This agreement
does not apply to any of our existing employee benefit plans.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Selling Restrictions</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Other than in the United States, no action
has been taken by us or KBW or any other broker-dealer that would permit a public offering of the securities offered by this prospectus
in any jurisdiction where action for that purpose is required. The securities offered by this prospectus may not be offered or
sold, directly or indirectly, nor may this prospectus or any other offering material or advertisements in connection with the offer
and sale of any such securities be distributed or published in any jurisdiction, except under circumstances that will result in
compliance with the applicable rules and regulations of that jurisdiction. Persons into whose possession this prospectus comes
are advised to inform themselves about and to observe any restrictions relating to the offering and the distribution of this prospectus.
This prospectus does not constitute an offer to sell or a solicitation of an offer to buy any securities offered by this prospectus
in any jurisdiction in which such an offer or a solicitation is unlawful.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">Relationship with Placement Agent</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">KBW and certain of its affiliates have
provided in the past to us and our affiliates and may provide from time to time in the future certain financial advisory, investment
banking and other services for us and such affiliates in the ordinary course of its business, for which it has received and may
continue to receive customary fees and commissions. In addition, from time to time, KBW may effect transactions for its own account
or the account of customers, and hold on behalf of itself or its customers, long or short positions in our debt or equity securities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0"><B>Delivery of Depositary Shares</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">We will issue the depositary shares
in book-entry or uncertificated form. Subject to certain limited exceptions, you will not receive a certificated security that
is or represents your depositary shares. Instead, our depositary and transfer agent, Registrar and Transfer Company, will deliver
written confirmation to purchasers of depositary shares in the offering.</P>

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



<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: center"><A NAME="a_022"></A>LEGAL
MATTERS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">The validity of the securities offered
by this prospectus and certain other legal matters will be passed upon for us by Vorys, Sater, Seymour and Pease LLP, Columbus,
Ohio. The underwriters are represented by Tucker Ellis LLP, Cleveland, Ohio.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><A NAME="a_023"></A>EXPERTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Our consolidated financial statements
as of December 31, 2013 and 2012 and for each of the years in the two-year period ended December 31, 2013 have been incorporated
by reference in this prospectus in reliance upon the report of BKD, LLP, registered independent public accountants, incorporated
by reference herein and therein and upon the authority of said firm as experts in accounting and auditing.</P>

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    <!-- Field: /Page -->

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



<P STYLE="margin: 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;<IMG SRC="img01.jpg" ALT=""></P>

<P STYLE="font: 10pt Sans-Serif; margin: 0; text-align: center; color: Red"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><B>Up to 1,500,000 Depositary
Shares Each Representing a 1/100th Interest in a</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in">[&#9679;]<FONT STYLE="font-size: 10pt"><B>%
Noncumulative Convertible Perpetual Preferred Share, Series A</B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"></P>

<P STYLE="font: bold 14pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">PRELIMINARY PROSPECTUS</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"></P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;<B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in"></P>



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Keefe, Bruyette &amp; Woods</B></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center; text-indent: 0in">&nbsp;</P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">[&#9679;], 2014</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #DE1A1E"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #DE1A1E"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; color: #DE1A1E"><B>&nbsp;</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><B>INFORMATION NOT REQUIRED IN PROSPECTUS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Item&nbsp;13.&#9; <I>Other Expenses of Issuance and Distribution.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The following is an itemized statement
of the estimated fees and expenses in connection with the issuance and distribution of securities registered hereby.&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 88%; text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">Registration Fee &mdash; Securities and Exchange Commission</TD><TD STYLE="width: 1%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 9%; text-align: right">1,932</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">Transfer Agent and Registrar Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">EDGAR, Printing and Mailing Expenses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">Accounting Fees and Expenses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">Financial Advisor Expenses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">Legal Fees and Expenses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">NASDAQ Listing Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">50,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">Miscellaneous Expenses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt">FINRA Fees</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -8.8pt; padding-left: 8.8pt; padding-bottom: 1.5pt">Blue Sky Fees</TD><TD STYLE="padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 1.5pt solid">&nbsp;</TD><TD STYLE="text-align: right; border-bottom: Black 1.5pt solid">&nbsp;&nbsp;*</TD><TD STYLE="text-align: left; padding-bottom: 1.5pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -8.8pt; padding-left: 28.6pt; padding-bottom: 2.5pt">Total</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="text-align: right; border-bottom: Black 2.5pt double">&nbsp;&nbsp; *</TD><TD STYLE="text-align: left; padding-bottom: 2.5pt">&nbsp;</TD></TR>
</TABLE>



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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0">* To be included in amendment filing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">All of the above amounts, other than
the SEC registration fee and FINRA fees, are estimates only.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Item&nbsp;14.&#9; <I>Indemnification of Directors and
Officers.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ohio General Corporation Law</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Division (E)&nbsp;of Section&nbsp;1701.13
of the Ohio Revised Code grants corporations broad powers to indemnify directors, officers, employees and agents. Division (E)&nbsp;of
Section&nbsp;1701.13 provides:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A corporation may indemnify or
agree to indemnify any person who was or is a party, or is threatened to be made a party, to any threatened, pending, or completed
action, suit, or proceeding, whether civil, criminal, administrative, or investigative, other than an action by or in the right
of the corporation, by reason of the fact that the person is or was a director, officer, employee, or agent of the corporation,
or is or was serving at the request of the corporation as a director, trustee, officer, employee, member, manager, or agent of
another corporation, domestic or foreign, nonprofit or for profit, a limited liability company, or a partnership, joint venture,
trust, or other enterprise, against expenses, including attorney's fees, judgments, fines, and amounts paid in settlement actually
and reasonably incurred by the person in connection with such action, suit, or proceeding, if the person acted in good faith and
in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect
to any criminal action or proceeding, if the person had no reasonable cause to believe the person's conduct was unlawful. The termination
of any action, suit, or proceeding by judgment, order, settlement, or conviction, or upon a plea of nolo contendere or its equivalent,
shall not, of itself, create a presumption that the person did not act in good faith and in a manner the person reasonably believed
to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, the person
had reasonable cause to believe that the person's conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A corporation may indemnify or
agree to indemnify any person who was or is a party, or is threatened to be made a party, to any threatened, pending, or completed
action or suit by or in the right of the corporation to procure a judgment in its favor, by reason of the fact that the person
is or was a director, officer, employee, or agent of the corporation, or is or was serving at the request of the corporation as
a director, trustee, officer, employee, member, manager, or agent of another corporation, domestic or foreign, nonprofit or for
profit, a limited liability company, or a partnership, joint venture, trust, or other enterprise, against expenses, including attorney's
fees, actually and reasonably incurred by the person in connection with the defense or settlement of such action or suit, if the
person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the
corporation, except that no indemnification shall be made in respect of any of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any claim, issue, or matter
as to which such person is adjudged to be liable for negligence or misconduct in the performance of the person's duty to the corporation
unless, and only to the extent that, the court of common pleas or the court in which such action or suit was brought determines,
upon application, that, despite the adjudication of liability, but in view of all the circumstances of the case, such person is
fairly and reasonably entitled to indemnity for such expenses as the court of common pleas or such other court shall deem proper;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any action or suit
in which the only liability asserted against a director is pursuant to section 1701.95 of the Revised Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To the extent that a director,
trustee, officer, employee, member, manager, or agent has been successful on the merits or otherwise in defense of any action,
suit, or proceeding referred to in division (E)(1) or (2) of this section, or in defense of any claim, issue, or matter in the
action, suit, or proceeding, the person shall be indemnified against expenses, including attorney's fees, actually and reasonably
incurred by the person in connection with the action, suit, or proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any indemnification under division
(E)(1) or (2) of this section, unless ordered by a court, shall be made by the corporation only as authorized in the specific case,
upon a determination that indemnification of the director, trustee, officer, employee, member, manager, or agent is proper in the
circumstances because the person has met the applicable standard of conduct set forth in division (E)(1) or (2) of this section.
Such determination shall be made as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By a majority vote of a
quorum consisting of directors of the indemnifying corporation who were not and are not parties to or threatened with the action,
suit, or proceeding referred to in division (E)(1) or (2) of this section;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the quorum described
in division (E)(4)(a) of this section is not obtainable or if a majority vote of a quorum of disinterested directors so directs,
in a written opinion by independent legal counsel other than an attorney, or a firm having associated with it an attorney, who
has been retained by or who has performed services for the corporation or any person to be indemnified within the past five years;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By the shareholders;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By the court of common pleas
or the court in which the action, suit, or proceeding referred to in division (E)(1) or (2) of this section was brought.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">Any determination made by the disinterested
directors under division (E)(4)(a) or by independent legal counsel under division (E)(4)(b) of this section shall be promptly communicated
to the person who threatened or brought the action or suit by or in the right of the corporation under division (E)(2) of this
section, and, within ten days after receipt of that notification, the person shall have the right to petition the court of common
pleas or the court in which the action or suit was brought to review the reasonableness of that determination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(5)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless at the time
of a director's act or omission that is the subject of an action, suit, or proceeding referred to in division (E)(1) or (2) of
this section, the articles or the regulations of a corporation state, by specific reference to this division, that the provisions
of this division do not apply to the corporation and unless the only liability asserted against a director in an action, suit,
or proceeding referred to in division (E)(1) or (2) of this section is pursuant to section 1701.95 of the Revised Code, expenses,
including attorney's fees, incurred by a director in defending the action, suit, or proceeding shall be paid by the corporation
as they are incurred, in advance of the final disposition of the action, suit, or proceeding, upon receipt of an undertaking by
or on behalf of the director in which the director agrees to do both of the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 63.2pt; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Repay that amount if it
is proved by clear and convincing evidence in a court of competent jurisdiction that the director's action or failure to act involved
an act or omission undertaken with deliberate intent to cause injury to the corporation or undertaken with reckless disregard for
the best interests of the corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 63.2pt; text-indent: 0.5in">&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reasonably cooperate with
the corporation concerning the action, suit, or proceeding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt 0.5in; text-indent: 0.5in">&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Expenses,
including attorney's fees, incurred by a director, trustee, officer, employee, member, manager, or agent in defending any action,
suit, or proceeding referred to in division (E)(1) or (2) of this section, may be paid by the corporation as they are incurred,
in advance of the final disposition of the action, suit, or proceeding, as authorized by the directors in the specific case, upon
receipt of an undertaking by or on behalf of the director, trustee, officer, employee, member, manager, or agent to repay that
amount, if it ultimately is determined that the person is not entitled to be indemnified by the corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
indemnification or advancement of expenses authorized by this section shall not be exclusive of, and shall be in addition to,
any other rights granted to those seeking indemnification or advancement of expenses under the articles, the regulations, any
agreement, a vote of shareholders or disinterested directors, or otherwise, both as to action in their official capacities and
as to action in another capacity while holding their offices or positions, and shall continue as to a person who has ceased to
be a director, trustee, officer, employee, member, manager, or agent and shall inure to the benefit of the heirs, executors, and
administrators of that person. A right to indemnification or to advancement of expenses arising under a provision of the articles
or the regulations shall not be eliminated or impaired by an amendment to that provision after the occurrence of the act or omission
that becomes the subject of the civil, criminal, administrative, or investigative action, suit, or proceeding for which the indemnification
or advancement of expenses is sought, unless the provision in effect at the time of that act or omission explicitly authorizes
that elimination or impairment after the act or omission has occurred.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(7)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A corporation may purchase and
maintain insurance or furnish similar protection, including, but not limited to, trust funds, letters of credit, or self-insurance,
on behalf of or for any person who is or was a director, officer, employee, or agent of the corporation, or is or was serving at
the request of the corporation as a director, trustee, officer, employee, member, manager, or agent of another corporation, domestic
or foreign, nonprofit or for profit, a limited liability company, or a partnership, joint venture, trust, or other enterprise,
against any liability asserted against the person and incurred by the person in any such capacity, or arising out of the person's
status as such, whether or not the corporation would have the power to indemnify the person against that liability under this section.
Insurance may be purchased from or maintained with a person in which the corporation has a financial interest.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(8)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The authority of a corporation
to indemnify persons pursuant to division (E)(1) or (2) of this section does not limit the payment of expenses as they are incurred,
indemnification, insurance, or other protection that may be provided pursuant to divisions (E)(5), (6), and (7) of this section.
Divisions (E)(1) and (2) of this section do not create any obligation to repay or return payments made by the corporation pursuant
to division (E)(5), (6), or (7).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(9)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As used in division (E) of this
section, &quot;corporation&quot; includes all constituent entities in a consolidation or merger and the new or surviving corporation,
so that any person who is or was a director, officer, employee, trustee, member, manager, or agent of such a constituent entity,
or is or was serving at the request of such constituent entity as a director, trustee, officer, employee, member, manager, or agent
of another corporation, domestic or foreign, nonprofit or for profit, a limited liability company, or a partnership, joint venture,
trust, or other enterprise, shall stand in the same position under this section with respect to the new or surviving corporation
as the person would if the person had served the new or surviving corporation in the same capacity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SB Financial&rsquo;s Regulations</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The Regulations of SB Financial contain
the following provisions with respect to the indemnification of directors and officers:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.01. Indemnification</I>.
The corporation shall indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending
or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action threatened
or instituted directly by the corporation) by reason of the fact that he is or was a director or officer of the corporation or
any present or former director or officer of the corporation who is or was serving at the request of the corporation as a director,
trustee, officer, employee or agent of another corporation, partnership, joint venture, trust, or other enterprise, against expenses
(including attorneys&rsquo; fees), judgments, fines and amounts paid in connection with such action, suit or proceeding if he
acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the corporation, and
with respect to any criminal action or proceeding, had no reasonable cause to believe his conduct was unlawful. The termination
of any action, suit, or proceeding by judgment, order, settlement, or conviction, or upon a plea of nolo contendere or its equivalent,
shall not, of itself, create a presumption that the person did not act in good faith and in a manner which he reasonably believed
to be in or not opposed to the best interests of the corporation, and with respect to any criminal action or proceeding, he had
reasonable cause to believe that his conduct was unlawful.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.02. Discretionary Indemnification</I>.
The corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or
completed action, suit or proceeding, whether civil, criminal, administrative, or investigative by reason of the fact that he is
or was an employee or agent of the corporation or is or was serving at the request of the corporation as a director, trustee, officer,
employee or agent of another corporation, partnership, joint venture, trust, or other enterprise, against expenses (including attorneys&rsquo;
fees), judgments, fines and amounts paid in connection with such action, suit or proceeding if he acted in good faith and in a
manner he reasonably believed to be in or not opposed to the best interests of the corporation, and with respect to any criminal
action or proceeding, had no reasonable cause to believe his conduct was unlawful. The termination of any action, suit, or proceeding
by judgment, order, settlement, or conviction, or upon a plea of nolo contendere or its equivalent, shall not, of itself, create
a presumption that the person did not act in good faith and in a manner which he reasonably believed to be in or not opposed to
the best interests of the corporation, and with respect to any criminal action or proceeding, he had reasonable cause to believe
that his conduct was unlawful.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The corporation may also indemnify or
agree to indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending, or completed
action or suit which is threatened or instituted by the corporation directly (rather than a derivative action in the right of the
corporation) to produce a judgment in its favor by reason of the fact that he is or was a director or officer of the corporation
or any present or former director or officer of the corporation who is or was serving at the request of the corporation as a director,
trustee, officer, employee, or agent of another corporation, partnership, joint venture, trust, or other enterprise, against expenses
(including attorneys&rsquo; fees) actually and reasonably incurred by him, judgments and amounts paid in connection with such action
or suit if he acted in good faith and in a manner he reasonably believed to be in or not opposed to the best interests of the corporation,
except that no such indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been
adjudged to be liable for negligence or misconduct in the performance of his duty to the corporation unless and only to the extent
that the Court of Common Pleas of Defiance County, Ohio or the court in which such action or suit was brought shall determine upon
application that, despite the adjudication of liability, but in view of all the circumstances of the case, such person is fairly
and reasonably entitled to indemnity for such expenses as such Court of Common Pleas or such other court shall deem proper.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.03. Indemnification for
Expenses</I>. To the extent that a director, trustee, officer, employee or agent has been successful on the merits or otherwise
in defense of any action, suit or proceeding referred to in Section 5.02 hereof, or in defense of any claim, issue or matter therein,
he shall be promptly indemnified by the corporation against expenses (including attorneys&rsquo; fees) actually and reasonably
incurred by him in connection therewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.04. Determination Required</I>.
Any indemnification under Sections 5.01 and 5.02 (unless ordered by a court) shall be made by the corporation only upon a determination
that the indemnification of the director, trustee, officer, employee or agent is proper in the circumstances because he has met
the applicable standard of conduct set forth in Sections 5.01 and 5.02. Such determination shall be made (A) by the Board of Directors
by a majority vote of a quorum consisting of directors who were not and are not parties to, or threatened with, such action, suit
or proceeding or (B) if such a quorum is not obtainable or if a majority of a quorum of disinterested directors so directs, in
a written opinion by independent legal counsel, or (C) by the shareholders. Any determination made by the disinterested directors
or by independent legal counsel under this Section 5.04 to provide indemnity under Section 5.01 or 5.02 to a person threatened
or sued in the right of the corporation (derivatively) shall be promptly communicated to the person who threatened or brought the
derivative action or suit in the right of the corporation, and such person shall have the right, within 10 days after receipt of
such notification, to petition the Court of Common Pleas of Defiance County, Ohio or the court in which action or suit was brought
to review the reasonableness of such determination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.05. Advances for Expenses</I>.
Expenses (including attorneys&rsquo; fees) incurred in defending any civil or criminal action, suit, or proceeding referred to
in Sections 5.01 and 5.02 may be paid by the corporation in advance of the final disposition of such action, suit or proceeding
as authorized by the Board of Directors in the specific case upon receipt of an undertaking by or on behalf of the director, trustee,
officer, employee, or agent to repays such amount, unless it shall ultimately be determined that he is entitled to be indemnified
by the corporation as authorized in this Article Five.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.06. Article Five Not Exclusive</I>.
The indemnification provided by this Article Five shall not be deemed exclusive of any other rights to which those seeking indemnification
may be entitled under the Articles or the Regulations or any agreement, vote of shareholders or disinterested directors, or otherwise,
both as to action in his official capacity and as to action in another capacity while holding such office, and shall continue
as to a person who has ceased to be a director, trustee, officer, employee, or agent and shall inure to the benefit of the heirs,
executors, and administrators of such a person.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.07. Insurance</I>.
The corporation may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent
of the corporation, or is or was serving at the request of the corporation as a director, trustee, officer, employee, or agent
of another corporation, partnership, joint venture, trust, or other enterprise, against any liability asserted against him and
incurred by him in any such capacity, or arising out of his status as such, whether or not the corporation would have the power
to indemnify him against such liability under the provisions of this Article Five.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Section 5.08. Definition of &ldquo;the
Corporation&rdquo;</I>. As used in this Article Five, references to &ldquo;the corporation&rdquo; include all constituent corporations
in a consolidation or merger and the new or surviving corporation, so that any person who is or was a director, trustee, officer,
employee or agent of such a constituent corporation, or is or was serving at the request of such constituent corporation as a director,
trustee, officer, employee, or agent of another corporation, partnership, joint venture, trust, or other enterprise, shall stand
in the same position under the provisions of this Article Five with respect to the new or surviving corporation as he would if
he had served the new or surviving corporation in the same capacity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt; text-align: left"><B>(c)&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insurance</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in; text-align: left">In accordance with Section 5.07 of the
Regulations, SB Financial has purchased and maintains insurance policies that insure its directors and officers against certain
liabilities that might be incurred by them in their capacities as directors and officers.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Item 15.&#9;<I>Recent Sales of Unregistered Securities.</I></B>&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><I>Not applicable</I>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Item&nbsp;16.<I> Exhibits.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">The documents listed below are filed
with this Registration Statement as exhibits or incorporated into this Registration Statement by reference as noted:</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0; width: 8%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Exhibit</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Number</B></P></TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0; width: 90%; text-align: left; vertical-align: bottom"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">1.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Agency Agreement **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended Articles of SB Financial as filed with the Ohio Secretary of State on May 23, 1986 (incorporated herein by reference to Exhibit 3(a)(i) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1989 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on April 27, 1993 (incorporated herein by reference to Exhibit 3(b) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1993 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.3</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on April 30, 1997 (incorporated herein by reference to Exhibit 3(c) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1997 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.4</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on May 27, 2011 to evidence the amendment of Article FOURTH to authorize 10,000,000 common shares and 200,000 preferred shares, each without par value (incorporated herein by reference to Exhibit 3.1 to SB Financial&rsquo;s Current Report on Form 8-K filed June 1, 2011))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on April 12, 2013 to evidence the amendment of Article FIRST to change the name of the corporation to SB Financial Group, Inc. (incorporated herein by reference to Exhibit 3.1 to SB Financial&rsquo;s Current Report on Form 8-K filed April 18, 2013))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.6</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended Articles of SB Financial, as amended (reflecting amendments through April 12, 2013) [for SEC reporting compliance purposes only &ndash; not filed with the Ohio Secretary of State] *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.7</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Certificate of Amendment by Directors or Incorporators to Articles to be filed with the Secretary of State of the State of Ohio, evidencing the adoption of an amendment by the Board of Directors of SB Financial to Article FOURTH to establish the express terms of the [&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series A *</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0"><B>Exhibit<BR>
Number</B></TD>
    <TD STYLE="padding: 0; text-indent: 0"></TD>
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0; text-align: left; vertical-align: bottom"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0; width: 8%">3.8</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 90%">Amended and Restated Regulations of SB Financial (incorporated herein by reference to Exhibit 3.5 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.9</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate Regarding Adoption of Amendment to Section 2.01 of the Amended and Restated Regulations of SB Financial by the Shareholders on April 16, 2009 (incorporated herein by reference to Exhibit 3.1 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2009 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Certificate for [&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series A, of SB Financial **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Depositary Receipt **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.3</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Deposit Agreement **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.4</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Indenture, dated as of September 15, 2005, by and between SB Financial and Wilmington Trust Company, as Debenture Trustee, relating to Floating Rate Junior Subordinated Deferrable Interest Debentures (incorporated herein by reference to Exhibit 4.1 to SB Financial&rsquo;s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended and Restated Declaration of Trust of Rurban Statutory Trust II, dated as of September 15, 2005 (incorporated herein by reference to Exhibit 4.2 to SB Financial&rsquo;s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.6</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Guarantee Agreement, dated as of September 15, 2005, by and between SB Financial and Wilmington Trust Company, as Guarantee Trustee (incorporated herein by reference to Exhibit 4.3 to SB Financial&rsquo;s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.7</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Agreement to furnish instruments and agreements defining rights of holders of long-term debt (incorporated herein by reference to Exhibit 4.4 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Opinion of Vorys, Sater, Seymour and Pease LLP, as to the legality of the securities to be registered **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Plan to Allow Directors to Elect to Defer Compensation (incorporated herein by reference to Exhibit 10(v) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1996 (File No.&nbsp;&nbsp;0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">1997 Stock Option Plan of SB Financial (incorporated herein by reference to Exhibit 10(v) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1996 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.3</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Non-Qualified Stock Option Agreement with Vesting After One Year of Employment under SB Financial's 1997 Stock Option Plan (incorporated herein by reference to Exhibit 10(a) to SB Financial&rsquo;s Current Report on Form 8-K filed March 21, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.4</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Incentive Stock Option Agreement with Vesting After One Year of Employment under SB Financial's 1997 Stock Option Plan (incorporated herein by reference to Exhibit 10(c) to SB Financial&rsquo;s Current Report on Form 8-K filed March 21, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Stock Appreciation Rights under SB Financial's 1997 Stock Option Plan (incorporated herein by reference to Exhibit 10(b) to SB Financial&rsquo;s Current Report on Form 8-K filed March 21, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.6</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">2008 Stock Incentive Plan of SB Financial (incorporated herein by reference to Exhibit 10 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2008 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.7</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Restricted Stock Award Agreement (For Employees) under SB Financial's 2008 Stock Option Plan (incorporated herein by reference to Exhibit 10.2 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2008 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.8</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Incentive Stock Option Agreement with Five-Year Vesting under SB Financial's 2008 Stock Incentive Plan (incorporated herein by reference to Exhibit 10.10 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.9</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Non-Qualified Stock Option Award Agreement with Five-Year Vesting under SB Financial's 2008 Stock Incentive Plan (incorporated herein by reference to Exhibit 10.11 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0"><B>Exhibit<BR>
Number</B></TD>
    <TD STYLE="padding: 0; text-indent: 0"></TD>
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0; text-align: left; vertical-align: bottom"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0; width: 8%">10.10</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 90%">Employees&rsquo; Stock Ownership and Savings Plan of SB Financial (incorporated herein by reference to Exhibit 10(y) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1999 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.11</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Employee Stock Purchase Plan of SB Financial (incorporated herein by reference to Exhibit 10(z) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2002 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.12</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Employment Agreement, dated July 30, 2010, between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.1 to SB Financial&rsquo;s Current Report on Form 8-K filed August 5, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.13</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Second Amended and Restated Change of Control Agreement, dated July 30, 2010, between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.2 to SB Financial&rsquo;s Current Report on Form 8-K filed August 5, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.14</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Change of Control Agreement, dated April 21, 2010, between SB Financial and Anthony V. Cosentino (incorporated herein by reference to Exhibit 10.16 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.15</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended and Restated Supplemental Executive Retirement Plan Agreement, effective as of December 31, 2008, by and between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.16 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.16</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">First Amendment to Amended and Restated Supplemental Executive Retirement Plan Agreement, dated as April 20, 2009, by and between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.3 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2009 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.17</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Non-Qualified Deferred Compensation Plan of SB Financial effective as of January 1, 2007 (incorporated herein by reference to Exhibit 10.20 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2006 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.18</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Long-Term Incentive Compensation Plan for SB Financial and Affiliates (incorporated by reference to Exhibit 10.1 to SB Financial&rsquo;s Current Report on Form 8-K filed August 20, 2012 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">21</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Subsidiaries of SB Financial (incorporated herein by reference to Exhibit 21 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">23.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Consent of BKD, LLP *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">23.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Consent of Vorys, Sater, Seymour and Pease LLP (included in Exhibit 5) **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">24</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Powers of Attorney *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">99</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Order Forms and Additional Solicitation Material **</TD></TR>
</TABLE>


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

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

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

<P STYLE="margin: 0; text-indent: 0">** To be filed by amendment.</P>

<P STYLE="margin: 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><B>Item&nbsp;17.<I> Undertakings.</I></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned registrant hereby
undertakes:</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 72pt"></TD><TD STYLE="width: 35.8pt">(1)</TD><TD>To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 107.8pt"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt">
<TR STYLE="vertical-align: top">
<TD STYLE="width: 107.8pt"></TD><TD STYLE="width: 36pt">(i)</TD><TD>To include any prospectus required by Section&nbsp;10(a)(3)
of the Securities Act of 1933;</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.8pt"></TD><TD STYLE="width: 36pt">(ii)</TD><TD>To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most
recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information
set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered
(if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or
high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant
to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate
offering price set forth in the &ldquo;Calculation of Registration Fee&rdquo; table in the effective registration statement; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 107.8pt"></TD><TD STYLE="width: 36pt">(iii)</TD><TD>To include any material information with respect to the plan of distribution not previously disclosed in the registration statement
or any material change to such information in the registration statement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment will
be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at
that time will be deemed to be the initial <I>bona fide</I> offering thereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(3)</TD><TD>To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold
at the termination of the offering.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(4)</TD><TD>That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant
to Rule 424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule
430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration
statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement
or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference
into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of
contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus
that was part of the registration statement or made in any such document immediately prior to such date of first use.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(5)</TD><TD>That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial
distribution of the securities, the undersigned registrant undertakes that in a primary offering of securities of the undersigned
registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser,
if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant
will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(i)</TD><TD>Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant
to Rule 424;</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD>Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred
to by the undersigned registrant;</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD>The portion of any other free writing prospectus relating to the offering containing material information about the undersigned
registrant or its securities provided by or on behalf of the undersigned registrant; and</TD></TR></TABLE>

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<TD STYLE="width: 1.5in"></TD><TD STYLE="width: 0.5in">(iv)</TD><TD>Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(b)</TD><TD>The undersigned registrant hereby undertakes to deliver or cause to be delivered with the prospectus, to each person to whom
the prospectus is sent or given, the latest annual report, to security holders that is incorporated by reference in the prospectus
and furnished pursuant to and meeting the requirements of Rule 14a-3 or Rule 14c-3 under the Securities Exchange Act of 1934; and,
where interim financial information is required to be presented by Article 3 of Regulation S-X is not set forth in the prospectus,
to deliver, or cause to be delivered to each person to whom the prospectus is sent or given, the latest quarterly report that is
specifically incorporated by reference in the prospectus to provide such interim financial information.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(c)</TD><TD>Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers
and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that
in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act
and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment
by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful
defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities
being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent,
submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed
in the Act and will be governed by the final adjudication of such issue.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(d)</TD><TD>The undersigned registrant hereby undertakes that:</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(1)</TD><TD>For purposes of determining any liability under the Securities Act of 1933, the information omitted from the form of prospectus
filed as part of this registration statement in reliance upon Rule 430A and contained in a form of prospectus filed by the registrant
pursuant to Rule 424(b)(1) or (4) or 497(h) under the Securities Act shall be deemed to be a part of this registration statement
as of the time it was declared effective; and</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in">(2)</TD><TD>For the purpose of determining any liability under the Securities Act of 1933, each post-effective amendment that contains
a form of prospectus shall be deemed to be a new registration statement relating to the securities offered therein, and the offering
of such securities at that time shall be deemed to be the initial <I>bona fide</I> offering thereof.</TD></TR></TABLE>

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

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    <!-- Field: /Page -->

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Act of 1933, the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto
duly authorized, in the City of Defiance, State of Ohio, on September 22, 2014.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="vertical-align: top; padding: 0; text-indent: 0">SB FINANCIAL GROUP, INC.</TD>
    </TR>
<TR>
    <TD STYLE="vertical-align: top; width: 60%; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 4%; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 1%; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 35%; padding: 0; text-indent: 0">&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">By:</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid; padding: 0; text-indent: 0">/s/ Mark A. Klein</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Name:</P></TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0"> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Mark A. Klein</P></TD>
    </TR>
<TR>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">Title:</TD>
    <TD STYLE="vertical-align: bottom; padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 0; text-indent: 0">President and Chief Executive Officer</TD>
    </TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0; text-indent: 0.5in">Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the
capacities indicated on September 22, 2014.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 36%; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Signature</P></TD>
    <TD STYLE="width: 4%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 60%; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Title</P></TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Mark A. Klein</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director, President and Chief Executive Officer (principal executive officer)</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Mark A. Klein</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Anthony V. Cosentino</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Executive Vice President and Chief Financial Officer (principal financial and</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Anthony V. Cosentino</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">accounting officer)</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ George W. Carter</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">George W. Carter*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Gary M. Cates</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Gary M. Cates*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Robert A. Fawcett, Jr.</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Robert A. Fawcett, Jr.*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Gaylyn J. Finn</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Gaylyn J. Finn*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Richard L. Hardgrove</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Richard L. Hardgrove*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Rita Kissner</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">Rita Kissner*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ William G. Martin</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">William G. Martin*</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
<TR>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">/s/ Timothy J. Stolly</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">Director</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Timothy J. Stolly*&nbsp;</P></TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD></TR>
</TABLE>
<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in">*</TD><TD>The above-named directors of the Registrant sign this Registration Statement on Form S-1 by Mark A. Klein, their attorney-in-fact,
pursuant to Powers of Attorney signed by the above-named directors, which Powers of Attorney are filed with this Registration Statement
on Form S-1 as exhibits, in the capacities indicated and on the 22<SUP>nd</SUP> day of September, 2014.</TD></TR></TABLE>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 4%">By:</TD>
    <TD STYLE="vertical-align: top; border-bottom: Black 1.5pt solid; width: 36%">/s/ Mark A. Klein</TD>
    <TD STYLE="width: 60%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P></TD>
    <TD STYLE="vertical-align: top"> <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Mark A. Klein</P></TD>
    <TD>&nbsp;</TD>
    </TR>
<TR>
    <TD STYLE="vertical-align: top"></TD>
    <TD STYLE="vertical-align: top">President and Chief Executive Officer</TD>
    <TD>&nbsp;</TD>
    </TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0; width: 8%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Exhibit</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Number</B></P></TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0; text-align: left; vertical-align: bottom; width: 90%"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">1.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Agency Agreement **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended Articles of SB Financial as filed with the Ohio Secretary of State on May 23, 1986 (incorporated herein by reference to Exhibit 3(a)(i) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1989 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on April 27, 1993 (incorporated herein by reference to Exhibit 3(b) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1993 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.3</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on April 30, 1997 (incorporated herein by reference to Exhibit 3(c) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1997 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.4</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on May 27, 2011 to evidence the amendment of Article FOURTH to authorize 10,000,000 common shares and 200,000 preferred shares, each without par value (incorporated herein by reference to Exhibit 3.1 to SB Financial&rsquo;s Current Report on Form 8-K filed June 1, 2011))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate of Amendment to the Amended Articles of SB Financial as filed with the Ohio Secretary of State on April 12, 2013 to evidence the amendment of Article FIRST to change the name of the corporation to SB Financial Group, Inc. (incorporated herein by reference to Exhibit 3.1 to SB Financial&rsquo;s Current Report on Form 8-K filed April 18, 2013))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.6</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended Articles of SB Financial, as amended (reflecting amendments through April 12, 2013) [for SEC reporting compliance purposes only &ndash; not filed with the Ohio Secretary of State] *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.7</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Certificate of Amendment by Directors or Incorporators to Articles to be filed with the Secretary of State of the State of Ohio, evidencing the adoption of an amendment by the Board of Directors of SB Financial to Article FOURTH to establish the express terms of the [&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series A *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.8</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended and Restated Regulations of SB Financial (incorporated herein by reference to Exhibit 3.5 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">3.9</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Certificate Regarding Adoption of Amendment to Section 2.01 of the Amended and Restated Regulations of SB Financial by the Shareholders on April 16, 2009 (incorporated herein by reference to Exhibit 3.1 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2009 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Certificate for [&#9679;]% Noncumulative Convertible Perpetual Preferred Share, Series A, of SB Financial **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Depositary Receipt **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.3</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Deposit Agreement **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.4</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Indenture, dated as of September 15, 2005, by and between SB Financial and Wilmington Trust Company, as Debenture Trustee, relating to Floating Rate Junior Subordinated Deferrable Interest Debentures (incorporated herein by reference to Exhibit 4.1 to SB Financial&rsquo;s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended and Restated Declaration of Trust of Rurban Statutory Trust II, dated as of September 15, 2005 (incorporated herein by reference to Exhibit 4.2 to SB Financial&rsquo;s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">4.6</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Guarantee Agreement, dated as of September 15, 2005, by and between SB Financial and Wilmington Trust Company, as Guarantee Trustee (incorporated herein by reference to Exhibit 4.3 to SB Financial&rsquo;s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2005 (File No. 0-13507))</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="text-align: left; background-color: White; vertical-align: bottom">
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0"><B>Exhibit
Number</B></TD>
    <TD STYLE="padding: 0; text-indent: 0"></TD>
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0; width: 8%">4.7</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 90%">Agreement to furnish instruments and agreements defining rights of holders of long-term debt (incorporated herein by reference to Exhibit 4.4 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Opinion of Vorys, Sater, Seymour and Pease LLP, as to the legality of the securities to be registered **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Plan to Allow Directors to Elect to Defer Compensation (incorporated herein by reference to Exhibit 10(v) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1996 (File No.&nbsp;&nbsp;0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">1997 Stock Option Plan of SB Financial (incorporated herein by reference to Exhibit 10(v) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1996 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.3</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Non-Qualified Stock Option Agreement with Vesting After One Year of Employment under SB Financial's 1997 Stock Option Plan (incorporated herein by reference to Exhibit 10(a) to SB Financial&rsquo;s Current Report on Form 8-K filed March 21, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.4</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Incentive Stock Option Agreement with Vesting After One Year of Employment under SB Financial's 1997 Stock Option Plan (incorporated herein by reference to Exhibit 10(c) to SB Financial&rsquo;s Current Report on Form 8-K filed March 21, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.5</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Stock Appreciation Rights under SB Financial's 1997 Stock Option Plan (incorporated herein by reference to Exhibit 10(b) to SB Financial&rsquo;s Current Report on Form 8-K filed March 21, 2005 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.6</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">2008 Stock Incentive Plan of SB Financial (incorporated herein by reference to Exhibit 10 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2008 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.7</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Restricted Stock Award Agreement (For Employees) under SB Financial's 2008 Stock Option Plan (incorporated herein by reference to Exhibit 10.2 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2008 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.8</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Incentive Stock Option Agreement with Five-Year Vesting under SB Financial's 2008 Stock Incentive Plan (incorporated herein by reference to Exhibit 10.10 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.9</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Form of Non-Qualified Stock Option Award Agreement with Five-Year Vesting under SB Financial's 2008 Stock Incentive Plan (incorporated herein by reference to Exhibit 10.11 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.10</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Employees&rsquo; Stock Ownership and Savings Plan of SB Financial (incorporated herein by reference to Exhibit 10(y) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 1999 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.11</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Employee Stock Purchase Plan of SB Financial (incorporated herein by reference to Exhibit 10(z) to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2002 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.12</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Employment Agreement, dated July 30, 2010, between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.1 to SB Financial&rsquo;s Current Report on Form 8-K filed August 5, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.13</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Second Amended and Restated Change of Control Agreement, dated July 30, 2010, between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.2 to SB Financial&rsquo;s Current Report on Form 8-K filed August 5, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.14</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Change of Control Agreement, dated April 21, 2010, between SB Financial and Anthony V. Cosentino (incorporated herein by reference to Exhibit 10.16 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.15</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Amended and Restated Supplemental Executive Retirement Plan Agreement, effective as of December 31, 2008, by and between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.16 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2010 (File No. 0-13507))</TD></TR>
</TABLE>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0"></P>

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="text-align: left; background-color: White; vertical-align: bottom">
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0"><B>Exhibit Number</B></TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; border-bottom: Black 1.5pt solid; text-indent: 0"><B>Description</B></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0; width: 8%">10.16</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 2%">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; width: 90%">First Amendment to Amended and Restated Supplemental Executive Retirement Plan Agreement, dated as April 20, 2009, by and between SB Financial and Mark A. Klein (incorporated herein by reference to Exhibit 10.3 to SB Financial&rsquo;s Current Report on Form 8-K filed April 22, 2009 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.17</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; text-align: left">Non-Qualified Deferred Compensation Plan of SB Financial effective as of January 1, 2007 (incorporated herein by reference to Exhibit 10.20 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2006 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">10.18</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Long-Term Incentive Compensation Plan for SB Financial and Affiliates (incorporated by reference to Exhibit 10.1 to SB Financial&rsquo;s Current Report on Form 8-K filed August 20, 2012 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">21</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Subsidiaries of SB Financial (incorporated herein by reference to Exhibit 21 to SB Financial&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2013 (File No. 0-13507))</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">23.1</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Consent of BKD, LLP *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">23.2</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Consent of Vorys, Sater, Seymour and Pease LLP (included in Exhibit 5) **</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">24</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Powers of Attorney *</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="padding: 0; text-indent: 0">99</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">Order Forms and Additional Solicitation Material **</TD></TR>
</TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0">*
&nbsp;&nbsp;&nbsp;Filed herewith.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0">** To be filed by amendment.</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">II-13</P>

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<DOCUMENT>
<TYPE>EX-3.6
<SEQUENCE>2
<FILENAME>fs12014ex3vi_sbfinancial.htm
<DESCRIPTION>AMENDED AND RESTATED ARTICLES
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B><U>Exhibit 3.6</U></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><B>AMENDED AND RESTATED ARTICLES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: center"><B>SB FINANCIAL GROUP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(reflecting amendments through April 12, 2013)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><I>[For purposes of SEC reporting compliance
only]</I></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">FIRST: The name of the corporation shall be SB
Financial Group, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">SECOND: The place in Ohio where the principal
office of the corporation is to be located is the city of Defiance, Defiance County.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">THIRD: The purpose for which the corporation is
formed is to engage in any lawful act or activity for which corporations may be formed under Sections 1701.01 to 1701.98, inclusive,
of the Ohio Revised Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">FOURTH: The authorized number of shares of the
Corporation shall be Ten Million Two Hundred Thousand (10,200,000), consisting of Ten Million (10,000,000) common shares, each
without par value (the &ldquo;common shares&rdquo;), and Two Hundred Thousand (200,000) preferred shares, each without par value
(the &ldquo;preferred shares&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">The directors of the Corporation are hereby authorized
to provide for the issuance of, and to issue, one or more series of preferred shares and, in connection with the creation of any
such series, to adopt an amendment or amendments to the Articles of the Corporation determining, in whole or in part, the express
terms of any such series to the fullest extent now or hereafter permitted under Ohio law, including, but not limited to, determining:
the division of such shares into series and the designation and authorized number of shares of each series; dividend or distribution
rights; dividend rate; liquidation rights, preferences and price; redemption rights and price; sinking fund requirements; voting
rights; pre-emptive rights; conversion rights; restrictions on the issuance of shares; and other relative, participating, optional
or other special rights and privileges of each such series and the qualifications, limitations or restrictions thereof. Notwithstanding
the foregoing, in no event shall the voting rights of any series of preferred shares be greater than the voting rights of the common
shares, except to the extent specifically required with respect to any series of preferred shares which may be designated for issuance
to the United States Department of the Treasury under the Small Business Lending Fund instituted under the U.S. Small Business
Jobs Act of 2010. In the event that at any time the directors of the Corporation shall have established and designated one or more
series of preferred shares consisting of a number of shares which constitutes less than all of the authorized number of preferred
shares, the remaining authorized preferred shares shall be deemed to be shares of an undesignated series of preferred shares until
designated by the directors of the Corporation as being part of a series previously established or a new series then being established
by the directors. Without limiting the generality of the foregoing, and subject to the rights of any series of preferred shares
then outstanding, the amendment providing for issuance of any series of preferred shares may provide that such series shall be
superior or rank equally or be junior to the preferred shares of any other series to the extent permitted by Ohio law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">FIFTH: The number of directors of the corporation
shall be fixed from time to time by its Regulations and may be increased or decreased as therein provided, but the number of directors
shall in no event be fixed at less than nine (9). The Board of Directors shall be divided into three classes, designated Class
I, Class II and Class III, as nearly equal in number as the then fixed number of directors permits, with the term of office of
one class expiring each year. The election of each class of directors shall be a separate election. At the first election of directors
following the adoption of these articles at a meeting of shareholders, directors of Class I shall be elected to hold office for
a term expiring at the next annual meeting, directors of Class II shall be elected to hold office for a term expiring at the annual
meeting one year after the next annual meeting and directors of Class III shall be elected to hold office for a term expiring at
the annual meeting two years after the next annual meeting. At the next annual meeting of shareholders and at each annual meeting
of shareholders thereafter, the successors to that class of directors whose term then expires shall be elected to hold office for
a three-year term. In the event of any increase in the number of directors of the corporation, the additional directors shall be
similarly classified in such a manner that each class of directors shall be as equal in number as possible. In the event of any
decrease in the number of directors of the corporation, such decrease shall be effected in such a manner that each class of directors
shall be equal in number as possible.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">SIXTH: Notwithstanding any provision of the Ohio
Revised Code now or hereafter in force requiring for any purpose the vote, consent, waiver or release of the holders of shares
of the corporation entitling them to exercise two-thirds (2/3) or any other proportion of the voting power of the corporation or
of any class or classes thereof, such action, unless expressly otherwise provided by statute, may be taken by the vote, consent,
waiver or release of the holders of the shares entitling them to exercise not less than a majority of the voting power of the corporation
or of such class or classes; provided, however, that unless two-thirds (2/3) of the whole authorized number of directors of the
corporation shall recommend the approval of any of the following matters, the affirmative vote of the holders of shares entitling
them to exercise not less than eighty percent (80%) of the voting power of the corporation entitled to vote thereon shall be required
to adopt:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(1) a proposed amendment to the articles
of the corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(2) proposed new regulations, or an alteration,
amendment or repeal of the regulations of the corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(3) an agreement of merger or consolidation
providing for the merger or consolidation of the corporation with or into one or more other corporations;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(4) a proposed combination or majority
share acquisition involving the issuance of shares of shares of the corporation and requiring shareholder approval;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(5) a proposal to sell, lease, or exchange
all or substantially all of the property and assets of the corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(6) a proposed dissolution of the corporation;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(7) a proposal to fix or create the number
of directors by action of the shareholders of the corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">The written objection of a director to any such
matter submitted to the president or secretary of the corporation not less than three days before the meeting of shareholders at
which any such matter is to be considered shall be deemed to be an affirmative vote by such director against such matter.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">SEVENTH: No holder of shares of any class of the
corporation shall have, as a matter of right, the preemptive right to purchase or subscribe for shares of any class of the corporation
now or hereafter authorized, or to purchase or subscribe for securities or other obligations convertible into or exchangeable for
such shares or which by warrants or otherwise entitle the holders thereof to subscribe for or purchase any such shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">EIGHTH: The directors of the corporation shall
have the power to cause the corporation from time to time and at any time to purchase, hold, sell, transfer, or otherwise deal
with (a) shares of any class or series issued by it; (b) any security or other obligation of the corporation which may confer upon
the holder thereof the right to convert the same into shares of any class or series authorized by the articles of the corporation;
and (c) any security or other obligation which may confer upon the holder thereof the right to purchase shares of any class or
series authorized by the articles of the corporation. The corporation shall have the right to repurchase, if and when any shareholder
desires to sell, or on the happening of any event is required to sell, shares of any class or series issued by the corporation.
The authority granted in this Article EIGHTH of these articles shall not limit the plenary authority of the directors to purchase,
hold, sell, transfer, or otherwise deal with shares of any class or series, securities, or other obligations issued by the corporation
or authorized by its articles.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">NINTH: A director or officer of the corporation
shall not be disqualified by his office from dealing or contracting with the corporation as vendor, purchaser, employee, agent
or otherwise. No contract or transaction shall be void or voidable with respect to the corporation for the reason that it is between
the corporation and one or more of its directors or officers, or between the corporation and any other person in which one or more
of its directors or officers are directors, trustees, or officers, or have a financial or personal interest, or for the reason
that one or more interested directors or officers participated in or voted at the meeting of the directors or a committee thereof
which authorized such contract or transaction if in any such case (a) the material facts as to the relationship or interest of
such director, officer, or other person and as to the contract or transaction are disclosed or are known to the directors or the
committee or such members thereof as shall be present at any meeting at which action upon any such contract or transaction shall
be taken and the directors or committee, in good faith reasonably justified by such facts, authorized the contract or transaction
by the affirmative vote of a majority of the disinterested directors, even though the disinterested directors constitute less than
a quorum; or (b) the material facts as to the relationship or interest of such director, officer, or other person and as to the
contract or transaction are disclosed or known to the shareholders entitled to vote thereon and the contract or transaction is
specifically approved at a meeting of the shareholders held for such purpose by the affirmative vote of the holders of shares entitling
them to exercise a majority of the voting power of the corporation held by person not interested in the contract or transaction;
or (c) the contract or transaction is fair as to the corporation as of the time it is authorized or approved by the directors,
a committee thereof, or the shareholders. Common or interested directors may be counted in determining the presence of a quorum
at any meeting of the directors, or of a committee thereof, which authorizes the contract or transaction.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">TENTH: (A) In addition to any affirmative vote
required by any provision of the Ohio Revised Code or by any other provision hereof, the affirmative vote or consent of the holders
of the greater of (a) four-fifths (4/5) of the outstanding common shares or the corporation entitled to vote thereon or (b) that
fraction of such outstanding common shares having as the numerator a number equal to the sum (i) the number of outstanding common
shares Beneficially Owned by Controlling persons (as hereinafter defined) plus (ii) two-thirds (2/3) of the remaining number of
outstanding common shares, and as the denominator a number equal to the total number of outstanding common shares entitled to vote,
shall be required for the adoption or authorization of a Business Combination (as hereinafter defined) unless:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(1) The Business Combination will result
in an involuntary sale, redemption, cancellation or other termination of ownership of all common shares of the corporation owned
by shareholders who do not vote in favor of, or consent in writing to, the Business Combination and the cash or fair value of other
readily marketable consideration to be received by such shareholders for such shares shall at least be equal to the Minimum Price
Per Share (as hereinafter defined); and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(2) A proxy statement responsive to the
requirements of the Securities Exchange Act of 1934 shall be mailed to the shareholders of the corporation for the purpose of soliciting
shareholder approval of the proposed Business Combination.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(B) For purposes of this Article TENTH, the following
definitions shall apply:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(1) &ldquo;Affiliate&rdquo; shall mean
a Person that directly or indirectly through one or more intermediaries, controls, or is controlled by, or is under common control
with, another Person.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(2) &ldquo;Associate&rdquo; shall mean
(i) any corporation or organization of which a Person is an officer or partner or is, directly or indirectly, the Beneficial Owner
of ten percent (10%) or more of any class of equity securities, (ii) any trust or other estate in which a Person has a ten percent
(10%) or greater individual interest of any nature or as to which a Person serves as trustee or in a similar fiduciary capacity,
(iii) any spouse of a Person, and (iv) any relative of a Person, or any relative of a spouse of a Person, who has the same residence
of such Person or spouse.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(3) &ldquo;Beneficial Ownership&rdquo;
shall include without limitation (i) all shares directly or indirectly owned by a Person, by an Affiliate or such Person or by
an Associate of such Person or such Affiliate, (ii) all shares which such Person, Affiliate or Associate has the right to acquire
through the exercise of any option, warrant or right (whether or not currently exercisable), through the conversion of a security,
pursuant to the power to revoke a trust, discretionary account or similar arrangement, or pursuant to the automatic termination
of a trust, discretionary account or similar arrangement; and (iii) all shares as to which such Person, Affiliate or Associate
directly or indirectly through any contract, arrangement, understanding, relationship or otherwise (including without limitation
any written or unwritten agreement to act in concert) has or shares voting power (which includes the power to vote or to direct
the voting of such shares) or investment power (which includes the power to dispose or direct the disposition of such shares) or
both.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(4) &ldquo;Business Combination&rdquo;
shall mean (i) any merger or consolidation of the corporation with or into a Controlling Person or an Affiliate of a Controlling
Person or an Associate of such Controlling Person or Affiliate, (ii) any sale, lease, exchange, transfer or other disposition,
including without limitation a mortgage or any other security device of all or any Substantial Part of the assets of the corporation,
including without limitation any voting securities of a Subsidiary, or of the assets of a Subsidiary, to a Controlling Person or
Affiliate of a Controlling Person or Associate of such Controlling Person of Affiliate, (iii) any merger into the corporation,
or into a Subsidiary, of a Controlling Person or an Affiliate of a Controlling Person or an Associate of such Controlling Person
or Affiliate, (iv) any sale, lease, exchange, transfer or other disposition to the corporation or a Subsidiary of all or any part
of the assets of a Controlling Person or Affiliate of a Controlling Person or Associate of such Controlling Person or Affiliate
but not including any disposition of assets which, if included with all other dispositions consummated during the same fiscal year
of the corporation by the same Controlling Person, Affiliates thereof and Associates of such Controlling Person or Affiliates,
would not result in dispositions during such year by all such Persons of assets having an aggregate fair value (determined at the
time of disposition of the respective assets) in excess of one percent (1%) of the total consolidated assets of the corporation
(as shown on its certified balance sheet as of the end of the fiscal year preceding the proposed disposition); provided, however,
that in no event shall any disposition of assets be excepted from shareholder approval by reason of the preceding exclusion if
such disposition when included with all other dispositions consummated during the same and immediately preceding four (4) fiscal
years of the corporation by the same Controlling Person, Affiliate thereof and Associates of such Controlling Person or Affiliates,
would result in disposition by all such Persons of assets having an aggregate fair value (determined at the time of disposition
of the respective assets) in excess of two percent (2%) of the total consolidated assets of the corporation (as shown on its certified
balance sheet as of the end of the fiscal year preceding the proposed disposition), (v) any reclassification of the common shares
of the corporation, or any recapitalization involving common shares of the corporation, consummated within five (5) years after
a Controlling Person becomes a Controlling Person, and (vi) any agreement, contract or other arrangement providing for any of the
transactions described in the definition of Business combination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(5) &ldquo;Control&rdquo; shall mean the
possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of a Person, whether
through the ownership of voting securities, by contract or otherwise.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(6) &ldquo;Controlling Person&rdquo; shall
mean any Person who Beneficially Owns shares of the corporation entitling that Person to exercise twenty percent (20%) or more
of the voting power of the corporation entitled to vote in the election of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(7) &ldquo;Minimum Price Per Share&rdquo;
shall mean the sum of (a) the higher of (i) the highest gross per share price paid or agreed to be paid to acquire any common shares
of the corporation Beneficially Owned by a Controlling Person, provided such payment or agreement to make payment was made within
five (5) years immediately prior to the record date set to determine the shareholders entitled to vote or consent to the Business
Combination in question, or (ii) the highest per share closing public market price for such common shares during such five (5)
year period, plus (b) the aggregate amount, if any, by which five percent (5%) for each year, beginning on the date on which such
Controlling Person became a Controlling Person, of such higher per share price exceeds the aggregate amount of all common share
dividends per share paid in cash since the date on which such Person became a Controlling Person. The calculation of the Minimum
Price Per Share shall require appropriate adjustments for capital changes, including without limitation stock splits, stock dividends
and reverse stock splits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(8) &ldquo;Person&rdquo; shall mean an
individual, a corporation, a partnership, an association, a joint-stock company, a trust, any unincorporated organization, a government
or political subdivision thereof, and any other entity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(9) &ldquo;Securities Exchange Act of
1934&rdquo; shall mean the Securities Exchange Act of 1934, as amended from time to time as well as any successor or replacement
statute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(10) &ldquo;Subsidiary&rdquo; shall mean
any corporation more than twenty-five (25%) of whose outstanding securities entitled to vote for the election of directors are
Beneficially Owned by the corporation and/or one or more Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 1in">(11) &ldquo;Substantial Part&rdquo; shall
mean more than ten percent (10%) of the total assets of the corporation in question, as shown on its certified balance sheet as
of the end of the most recent fiscal year ending prior to the time the determination is being made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">(C) During any period in which there are one or
more Controlling Persons, this Article TENTH shall not be altered, changed or repealed unless the amendment effecting such alteration,
change or repeal shall have received, in addition to any affirmative vote required by any provision of the Ohio Revised Code or
by any other provision hereof, the affirmative vote or consent of the holders of the greater of (a) four-fifths (4/5) of the outstanding
common shares of the corporation entitled to vote thereon or (b) that fraction of such outstanding common shares having as the
numerator a number equal to the sum of (i) the number of outstanding common shares Beneficially Owned by Controlling Persons plus
(ii) two-thirds (2/3) of the remaining number of outstanding common shares, and as the denominator a number equal to the total
number of outstanding common shares entitled to vote.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">ELEVENTH: These Amended Articles take the place
of and supersede the existing Articles of Incorporation of Rurban Financial Corp.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">TWELFTH: Shareholders shall have no right to vote
cumulatively in the election of directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0">7</P>

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<DOCUMENT>
<TYPE>EX-3.7
<SEQUENCE>3
<FILENAME>fs12014ex3vii_sbfinancial.htm
<DESCRIPTION>FRM OF CERTIFICATE OF AMENDMENT BY DIRECTORS OR INCORPORATORS TO ARTICLES OF INCORPORATION
<TEXT>
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<P STYLE="margin: 0; text-align: right"><B><U>Exhibit 3.7</U></B></P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><B>ATTACHMENT TO CERTIFICATE OF AMENDMENT
BY DIRECTORS <BR>
OR INCORPORATORS TO ARTICLES OF INCORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-align: center"><B>SB FINANCIAL GROUP, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in"><B>RESOLVED</B>, that pursuant
to the authority granted to and vested in the board of directors (the &ldquo;<U>Board of Directors</U>&rdquo;) of SB Financial
Group, Inc. (the &ldquo;<U>Corporation</U>&rdquo;), and in accordance with Section 1701.70(B)(1) of the Ohio Revised Code and Article
FOURTH of the Corporation&rsquo;s Amended Articles of Incorporation (the &ldquo;<U>Articles</U>&rdquo;), the Board of Directors
hereby establishes the terms of the Corporation&rsquo;s [&bull;]% Noncumulative Convertible Perpetual Preferred Shares, Series&nbsp;A,
each without par value, and fixes and determines the designation and authorized number of shares of the series and the dividend
rights, liquidation rights, voting rights and conversion rights with respect to the shares of the series, and certain other relative,
participating, optional or other special rights, and the qualifications, limitations and restrictions thereof, with the Articles
hereby amended to add such terms as Section&nbsp;I of Article FOURTH of the Articles as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-align: center"><B>SECTION I</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><B>EXPRESS TERMS </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><B>OF</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><B>[&bull;]<FONT STYLE="text-transform: uppercase">%
Noncumulative Convertible </FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Perpetual
Preferred Shares, SERIES A</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.7pt 0 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 1. <U>Designation and Amount</U>.
There is hereby created out of the authorized and unissued preferred shares of the Corporation a series of preferred shares designated
as the &ldquo;[&bull;]% Noncumulative Convertible Perpetual Preferred Shares, Series A&rdquo; (the &ldquo;<U>Series A Preferred
Shares</U>&rdquo;). The Series A Preferred Shares shall be perpetual, subject to the provisions of Section 6 hereof. The authorized
number of Series A Preferred Shares shall be 15,000 shares, each without par value, having a liquidation preference of $1,000 per
share. The number of Series A Preferred Shares may be increased from time to time in accordance with Ohio law and the Articles
of Incorporation of the Corporation (the &ldquo;<U>Articles</U>&rdquo;) up to the maximum number of preferred shares authorized
to be issued under the Articles, as amended, less all shares at the time authorized of any other series of preferred shares, and
any such additional Series A Preferred Shares would form a single series with the Series A Preferred Shares. Outstanding Series
A Preferred Shares that are purchased or otherwise acquired by the Corporation, or converted into Common Shares, shall be cancelled
and shall revert to authorized but unissued preferred shares undesignated as to series.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 2. <U>Definitions</U>. As used
herein with respect to the Series A Preferred Shares, in addition to those terms otherwise defined herein, the following terms
shall have the following meanings:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="color: black">&ldquo;<U>Affiliate</U>&rdquo; shall mean, with respect to any Person, any Person directly or
indirectly controlling, controlled by or under common control with, such other Person. For purposes of this definition, &ldquo;control&rdquo;
(including, with correlative meanings, the terms &ldquo;controlled by&rdquo; and &ldquo;under common control with&rdquo;) when
used with respect to any Person, means the possession, directly or indirectly, of the power to cause the direction of management
or policies of such Person, whether through the ownership of voting securities, by contract or otherwise.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="color: black">&ldquo;<U>BHC Act</U>&rdquo; shall mean the Bank Holding Company Act of 1956, as amended.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Business Day</U>&rdquo; shall mean any day except Saturday, Sunday and any day on which banking institutions in
the State of New York generally are authorized or required by law or other governmental actions to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT STYLE="color: black">&ldquo;<U>CIBC Act</U>&rdquo; shall mean the Change in Bank Control Act of 1978, as amended.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Closing Sales Price</U>&rdquo; shall mean, with respect to a particular day, the closing sale price or, if no
closing sale price is reported, the last reported sale price per Common Share (or share or unit of capital stock or other equity
interest, as applicable) on such day on the NASDAQ Global Market or such other national securities exchange or automated quotation
system on which the Common Shares are then listed or authorized for quotation or, if the Common Shares are not so listed or authorized
for quotation, an amount determined in good faith by the Board of Directors to be the fair value of the Common Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Common Shares</U>&rdquo; shall mean the common shares, each without par value, of the Corporation, or any other
class of capital stock resulting from (i) successive exchanges or reclassifications of such common shares consisting solely of
changes in par value, or from no par value to par value, or (ii) a subdivision, combination, Reorganization Event or similar transaction
in which the Corporation is a constituent corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Conversion Date</U>&rdquo; shall have the meaning ascribed to such term in Section 8(c) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Conversion Price</U>&rdquo; shall mean, initially, $[&bull;] per Common Share, subject to adjustment from time
to time as set forth in Section 11 hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Conversion Ratio</U>&rdquo; shall mean the number of Common Shares into which each Series A Preferred Share may
be converted at any time pursuant to and in accordance with Sections 8 or 9, and shall equal the Liquidation Preference divided
by the Conversion Price applicable upon such conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Conversion Right</U>&rdquo; shall have the meaning ascribed to such term in Section 8(a) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Corporation Conversion Notice</U>&rdquo; shall have the meaning ascribed to such term in Section 9(b) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Corporation Conversion Option</U>&rdquo; shall have the meaning ascribed to such term in Section 9(a) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>&ldquo;<U>Corporation Conversion Option Date</U>&rdquo; shall have the meaning ascribed to such term in Section 9(b) hereof.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(n)</TD><TD>&ldquo;<U>Dividend Period</U>&rdquo; shall have the meaning ascribed to such term in Section 4(b) hereof.</TD></TR>
</TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(o)</TD><TD>&ldquo;<U>Dividend Record Date</U>&rdquo; shall have the meaning ascribed to such term in Section 4(e) hereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(p)</TD><TD><FONT STYLE="color: black">&ldquo;<U>Ex-Date</U>&rdquo; shall mean, when used with respect to any issuance, dividend or distribution
giving rise to an adjustment to the Conversion Price pursuant to Section&nbsp;11, the first date on which the Common Shares or
other securities trade without the right to receive the issuance, dividend or distribution.</FONT></TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(q)</TD><TD>&ldquo;<U>Federal Reserve</U>&rdquo; shall mean the Board of Governors of the Federal Reserve System.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(r)</TD><TD>&ldquo;<U>Holder</U>&rdquo; shall mean a holder of record of outstanding Series A Preferred Shares.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(s)</TD><TD>&ldquo;<U>Issue Date</U>&rdquo; shall mean the original date of issuance of the Series A Preferred Shares.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(t)</TD><TD>&ldquo;<U>Junior Shares</U>&rdquo; shall mean the Common Shares and any other class or series of capital stock of the Corporation
now or hereafter authorized, issued or outstanding that, by its terms, does not expressly provide that it ranks <I>pari passu</I>
with or senior to the Series A Preferred Shares with respect to dividend rights and rights upon liquidation, dissolution and winding
up of the Corporation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(u)</TD><TD>&ldquo;<U>Liquidation Parity Shares</U>&rdquo; shall mean Parity Shares the terms of which expressly provide that it will rank
<I>pari passu</I> with the Series A Preferred Shares as to rights upon liquidation, dissolution and winding up of the Corporation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(v)</TD><TD>&ldquo;<U>Liquidation Preference</U>&rdquo; shall mean, with respect to each Series A Preferred Share, $1,000, subject to equitable
adjustment from time to time pursuant to Section 14(b).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(w)</TD><TD>&ldquo;<U>Market Value</U>&rdquo; shall mean the average Closing Sale Price of a Common Share for a thirty (30) consecutive
Trading Day period prior to the date of measurement.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(x)</TD><TD>&ldquo;<U>Officer</U>&rdquo; shall mean the Chief Executive Officer, the President, any Vice President, the Treasurer, the
Secretary or any Assistant Secretary of the Corporation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(y)</TD><TD>&ldquo;<U>Officers&rsquo; Certificate</U>&rdquo; shall mean a certificate signed by two duly authorized Officers.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(z)</TD><TD>&ldquo;<U>Opinion of Counsel</U>&rdquo; shall mean a written opinion from legal counsel acceptable to the Transfer Agent. Such
counsel may be an employee of or counsel to the Corporation or the Transfer Agent.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(aa)</TD><TD>&ldquo;<U>Parity Shares</U>&rdquo; shall mean any class or series of capital stock of the Corporation hereafter authorized,
issued or outstanding that, by its terms, expressly provides that it ranks <I>pari passu</I> with the Series A Preferred Shares
with respect to dividend rights and rights upon liquidation, dissolution and winding up of the Corporation (without regard to whether
dividends accrue cumulatively or non-cumulatively).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(bb)</TD><TD>&ldquo;<U>Partial Dividend</U>&rdquo; shall have the meaning ascribed to such term in Section 4(d) hereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(cc)</TD><TD>&ldquo;<U>Person</U>&rdquo; shall mean any individual, corporation, general partnership, limited partnership, limited liability
partnership, joint venture, association, joint-stock corporation, trust, limited liability corporation, unincorporated organization,
other entity or government or any agency or political subdivision thereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(dd)</TD><TD STYLE="padding-right: 0.6pt">&ldquo;<U>Reorganization Event</U>&rdquo; shall have the meaning ascribed to such term in Section
7(b)(iii) hereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ee)</TD><TD>&ldquo;<U>Senior Shares</U>&rdquo; shall mean any class or series of capital stock of the Corporation hereafter authorized,
issued or outstanding that, by its terms, expressly provides that it ranks senior to the Series A Preferred Shares with respect
to dividend rights or rights upon liquidation, dissolution and winding up of the Corporation.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

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<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ff)</TD><TD>&ldquo;<U>Series A Dividend Payment Date</U>&rdquo; shall have the meaning ascribed to such term in Section 4(b).</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(gg)</TD><TD STYLE="padding-right: 0.6pt">&ldquo;<U>Series A Preferred Shares</U>&rdquo; shall have the meaning ascribed to such term in
Section 1 hereof.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(hh)</TD><TD>&ldquo;<U>Trading Day</U>&rdquo; shall mean any day on which the NASDAQ Global Market (or such other successor national securities
exchange or automated quotation system on which the Common Shares are then listed or authorized for quotation) is open for the
transaction of business.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD>&ldquo;<U>Transfer Agent</U>&rdquo; shall mean the Corporation&rsquo;s duly appointed transfer agent, registrar, conversion
and dividend disbursing agent for the Series A Preferred Shares and transfer agent and registrar for any Common Shares issued upon
conversion of the Series A Preferred Shares, or any successor duly appointed by the Corporation.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.5in">(jj)</TD><TD><FONT STYLE="color: black">&ldquo;<U>Voting Securities</U>&rdquo; </FONT>shall have the meaning ascribed to such term<FONT STYLE="color: black">
in the BHC Act and any rules or regulations promulgated thereunder</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 3. <U>Ranking</U>. The Series
A Preferred Shares shall rank, with respect to dividend rights and rights upon liquidation, dissolution or winding up of the Corporation,
(a) senior to all Junior Shares, (b) on parity with all Parity Shares and (c) junior to all Senior Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 4. <U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the rights of any holders
of Senior Shares, each Holder shall be entitled to receive, on each Series A Preferred Share held, if, as and when declared by
the Board of Directors or any duly authorized committee of the Board of Directors, but only out of the Corporation&rsquo;s net
income, retained earnings or surplus related to other capital instruments that qualify as &ldquo;Tier 1 capital&rdquo; under applicable
banking regulations, noncumulative cash dividends with respect to each Dividend Period at a rate per annum equal to [&bull;]% of
the Liquidation Preference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If declared by the Board of Directors
or a duly authorized committee of the Board of Directors, dividends shall be payable on the Series A Preferred Shares quarterly,
in arrears, on March 15, June 15, September 15 and December 15 of each year, beginning on December 15, 2014 (each such date, a
&ldquo;<U>Series A Dividend Payment Date</U>&rdquo;). In the event that any Series A Dividend Payment Date would otherwise fall
on a day that is not a Business Day, the dividend payment due on that date will be postponed to the next day that is a Business
Day and no additional dividends will accrue as a result of that postponement. The period from and including any Series A Dividend
Payment Date to, but excluding, the next Series A Dividend Payment Date is a &ldquo;<U>Dividend Period</U>,&rdquo; provided that
the initial Dividend Period shall be the period from and including the Issue Date to, but excluding, the next Series A Dividend
Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends that are payable
on the Series A Preferred Shares in respect of any Dividend Period shall be computed on the basis of a 360-day year consisting
of twelve 30-day months. The amount of dividends payable on the Series A Preferred Shares on any date prior to the end of a Dividend
Period, and for the initial Dividend Period, shall be computed on the basis of a 360-day year consisting of twelve 30-day months,
and actual days elapsed over a 30-day month.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that the Board
of Directors or a duly authorized committee of the Board of Directors declares a dividend on the Series A Preferred Shares with
respect to a Dividend Period in an amount less than the full amount payable to the Holders with respect to such Dividend Period
pursuant to Sections 4(a) and 4(b) (such lesser amount, a &ldquo;<U>Partial Dividend</U>&rdquo;), such Partial Dividend shall be
distributed to the Holders on a pro rata basis with respect to the outstanding Series A Preferred Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends that are payable
on the Series A Preferred Shares on any Series A Dividend Payment Date will be payable to Holders of record of Series A Preferred
Shares as they appear on the stock register of the Corporation on the applicable record date, which shall be the 15th calendar
day immediately preceding such Series A Dividend Payment Date (each, a &ldquo;<U>Dividend Record Date</U>&rdquo;). Any such day
that is a Dividend Record Date shall be a Dividend Record Date whether or not such day is a Business Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.6pt 12pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series
A Preferred Shares will not be cumulative. If the Board of Directors or a duly authorized committee of the Board of Directors does
not declare a dividend on the Series A Preferred Shares in respect of a Dividend Period, then no dividend shall be deemed to have
accrued for such Dividend Period, be payable on the applicable Series A Dividend Payment Date or be cumulative, and the Corporation
will have no obligation to pay any dividend for that Dividend Period, whether or not the Board of Directors or a duly authorized
committee of the Board of Directors declares a dividend for any future Dividend Period with respect to the Series A Preferred Shares
or any other class or series of the Corporation&rsquo;s preferred shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any Series A Preferred
Shares remain outstanding, unless the full dividends for the most recently completed Dividend Period have been declared and paid
(or declared and a sum sufficient for the payment thereof has been set aside) on all outstanding Series A Preferred Shares, during
a Dividend Period:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall be declared
or paid or set aside for payment and no distribution shall be declared or made or set aside for payment on any Junior Shares (other
than a dividend payable solely in Junior Shares);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no Junior Shares shall
be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly (other than (A) as
a result of a reclassification of Junior Shares for or into other Junior Shares, (B) the exchange or conversion of one Junior Share
for or into another Junior Share, (C) through the use of the proceeds of a substantially contemporaneous sale of other Junior Shares,
(D) purchases, redemptions or other acquisitions of Junior Shares in connection with any employment contract, benefit plan or other
similar arrangement with or for the benefit of employees, officers, directors or consultants, or (E) the purchase of fractional
interests in Junior Shares pursuant to the conversion or exchange provisions of such stock or the security being converted or exchanged)
nor shall any monies be paid to or made available for a sinking fund for the redemption of any such securities by the Corporation;
and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no Parity Shares shall
be repurchased, redeemed or otherwise acquired for consideration by the Corporation, other than pursuant to pro rata offers to
purchase all, or a pro rata portion, of the Series A Preferred Shares and such Parity Shares, except by conversion into or exchange
for Junior Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When
dividends are not paid in full upon the Series A Preferred Shares and Parity Shares, if any, all dividends declared upon Series
A Preferred Shares and Parity Shares, if any, will be declared on a proportional basis so that the amount of dividends declared
per share will bear to each other the same ratio that accrued dividends for the Series A Preferred Shares, and accrued dividends,
including any accumulations, on Parity Shares, if any, bear to each other for the then-current Dividend Period.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the foregoing provisions
of Section 4(g) and 4(h), and not otherwise, dividends (payable in cash, stock or otherwise), as may be determined by the Board
of Directors or a duly authorized committee of the Board of Directors, may be declared and paid on the Common Shares and any other
Junior Shares or any Parity Shares from time to time out of any assets legally available for such payment, and the Holders of Series
A Preferred Shares shall not be entitled to participate in any such dividend.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series A Preferred
Shares will not be declared, paid or set aside for payment to the extent such act would cause the Corporation to fail to comply
with applicable laws and regulations, including applicable capital adequacy guidelines.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">Payments
of cash for dividends will be delivered to the Holders at their addresses listed in the stock record books maintained by the Transfer
Agent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 5.&nbsp;&nbsp;&nbsp;<U>Liquidation Preference</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of any liquidation,
dissolution or winding up of the Corporation, whether voluntary or involuntary, each Holder shall be entitled to receive, out of
the assets of the Corporation or proceeds thereof (whether capital or surplus) available for distribution to shareholders of the
Corporation, subject to the prior rights of holders of any Senior Shares, the Liquidation Preference for each outstanding Series
A Preferred Share held by such Holder, plus any declared but unpaid dividends (subject to the prior approval of the Federal Reserve,
if required), but without accumulation of any undeclared dividends, without interest to the date fixed for such liquidation, dissolution
or winding up, in preference to the holders of, and before any payment or distribution is made on (or any setting apart for any
payment or distribution), any Junior Shares, including, without limitation, on any Common Shares. After the payment to the Holders
of the full amount of such liquidating distribution for each outstanding Series A Preferred Share, such Holders shall not be entitled
to convert any Series A Preferred Shares into Common Shares and shall not be entitled to any further participation in distributions
of, and shall have no right or claim to, any of the remaining assets of the Corporation in respect of the Series A Preferred Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither (i) the sale, lease,
exchange or conveyance for cash, securities or other property of all or substantially all the assets of the Corporation (other
than in connection with the voluntary or involuntary liquidation, dissolution or winding up of the Corporation) nor (ii) the merger,
consolidation or share exchange of the Corporation into or with any other Person shall be deemed to be a liquidation, dissolution
or winding up of the Corporation, voluntary or involuntary, for the purposes of this Section 5.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event the assets of the
Corporation legally available for distribution to the Holders upon any liquidation, dissolution or winding up of the Corporation,
whether voluntary or involuntary, shall be insufficient to pay in full all amounts to which such Holders are entitled pursuant
to Section 5(a), no such distribution shall be made on account of any Liquidation Parity Shares upon such liquidation, dissolution
or winding up of the Corporation unless proportionate distributable amounts shall be paid with equal priority on account of the
Series A Preferred Shares, ratably, in proportion to the full distributable amounts for which Holders of the Series A Preferred
Shares and holders of any Liquidation Parity Shares are entitled upon such liquidation, dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
distributions made with respect to the Series A Preferred Shares in connection with any liquidation, dissolution or winding up
of the Corporation shall be made pro rata to the Holders.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 6.&nbsp;&nbsp;<U>Redemption</U>. The Series A Preferred
Shares are not redeemable at the option of the Corporation at any time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 7.&nbsp;&nbsp;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Series A Preferred Shares
shall have no voting rights except as set forth in this Section 7 and as otherwise required by Ohio law from time to time. Except
as otherwise provided in this Section 7, in exercising any such voting rights, each Holder shall be entitled to one vote for each
Series A Preferred Share held by such Holder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any Series A Preferred
Shares remain outstanding, unless a greater percentage shall then be required by law, the affirmative vote or consent of the Holders
of at least two-thirds of all of the Series A Preferred Shares at the time outstanding, voting separately as a class, shall be
required to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend, alter or repeal
any provision of the Corporation&rsquo;s Articles (including the provisions hereof creating the Series A Preferred Shares), if
the amendment, alteration or repeal of the Articles would materially and adversely affect the rights, preferences, powers or privileges
of the Series A Preferred Shares;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;create, authorize, issue
or increase the authorized or issued amount of any class or series of any of the Corporation&rsquo;s equity securities, or any
warrants, options or other rights convertible or exchangeable into any class or series of any of the Corporation&rsquo;s equity
securities, which would constitute Senior Shares or Parity Shares or reclassify any authorized shares of the Corporation into any
such shares, or create, authorize or issue any obligation or security convertible into, exchangeable or exercisable for, or evidencing
the right to purchase any such shares; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;enter into or consummate
any (A) reclassification of the outstanding Common Shares (other than a change in par value, or from no par value to par value,
or from par value to no par value), (B) consolidation, merger or share exchange of the Corporation with or into another Person
or any merger, consolidation or share exchange of another Person with or into the Corporation (other than a consolidation, merger
or share exchange in which the Corporation is the resulting or surviving Person and which does not result in any reclassification
of the outstanding Common Shares), or (C) sale, lease or other disposition to another Person of all or substantially all of the
assets of the Corporation (computed on a consolidated basis), other than to one or more of the Corporation&rsquo;s subsidiaries
(any of the foregoing, a &ldquo;<U>Reorganization Event</U>&rdquo;); provided, however, that the Holders will have no right to
vote under this Section 7 regarding the Corporation&rsquo;s entry into or consummation of a Reorganization Event if, upon the consummation
of the Reorganization Event, <FONT STYLE="color: black">(I)&nbsp;the Series A Preferred Shares remain outstanding or, in the case
of any such merger or consolidation with respect to which the Corporation is not the surviving or resulting entity, are converted
into or exchanged for preference securities of the surviving or resulting entity or its ultimate parent, and (II)&nbsp;such Series
A Preferred Shares remaining outstanding or such preference securities, as the case may be, have such rights, preferences, privileges
and voting powers, taken as a whole, as are not materially less favorable to the holders thereof than the rights, preferences,
privileges and voting powers of the Series A Preferred Shares, taken as a whole.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Notwithstanding the foregoing, except
as otherwise required by law, the Corporation may, without the consent of any Holder, (x) authorize, increase the authorized amount
of, or issue Parity Shares (provided that dividend rights are noncumulative) and Junior Shares or (y) increase the amount of authorized
Series A Preferred Shares or issue any additional Series A Preferred Shares; provided, however, that with respect to clause (x),
such Parity Shares or Junior Shares, as the case may be, do not rank senior to the Series A Preferred Shares as to dividend rights
or rights upon liquidation, dissolution or winding up of the Corporation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 8.&nbsp;&nbsp;&nbsp;<U>Conversion Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Holder shall have the right
(the &ldquo;<U>Conversion Right</U>&rdquo;), at such Holder&rsquo;s option, exercisable at any time and from time to time from
the Issue Date, to convert, subject to the terms and provisions of Section 6 and this Section 8, any or all of such Holder&rsquo;s
Series A Preferred Shares (including any fraction thereof) into such whole number of Common Shares per Series A Preferred Share
as is equal to the Conversion Ratio in effect on the date of conversion, plus cash in lieu of any fractional Common Share as provided
in Section 10. Notwithstanding anything to the contrary set forth herein, each Holder shall be entitled to convert Series A Preferred
Shares pursuant to this Section 8, or receive Common Shares upon any such conversion, to the extent (but only to the extent) that
such conversion or receipt would not cause or result in such Holder and its Affiliates, collectively, being deemed to own, control
or have the power to vote, for purposes of the BHC Act or the CIBC Act, and any rules and regulations promulgated thereunder, 10%
or more of any class of Voting Securities of the Corporation outstanding at such time (it being understood, for the avoidance of
doubt, that no Security shall be included in any such percentage calculation to the extent that it cannot by its terms be converted
into or exercised for Voting Securities by such Holder or its Affiliates at the time of such measurement or transfer).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">A Holder
of Series A Preferred Shares must complete each of the following procedures to exercise the Conversion Right:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">complete,
manually sign and deliver </FONT>to the Transfer Agent a written notice in the form provided by the Transfer Agent indicating that
the Holder elects to convert the number of such Holder&rsquo;s Series A Preferred Shares (including any fraction thereof) specified
in such notice;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the Series A Preferred
Shares that the Holder wishes to convert are represented by one or more physical certificates, surrender such physical certificate(s)
to the Transfer Agent;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if required by the Corporation
or the Transfer Agent, furnish appropriate endorsements and transfer documents; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;if required, pay all transfer
or similar taxes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="color: black">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
date on which a Holder complies with the applicable procedures set forth in Section 8(b) is the &ldquo;<U>Conversion Date</U>.&rdquo;
</FONT>Immediately prior to the close of business on the Conversion Date, each converting Holder shall be deemed to be the holder
of record of Common Shares issuable upon conversion of such Holder&rsquo;s Series A Preferred Shares notwithstanding that the
share register of the Corporation shall then be closed or that, if applicable, physical certificates representing such Common
Shares shall not then be actually delivered to such Holder. On the Conversion Date, all rights of any Holder with respect to the
Series A Preferred Shares so converted, including the rights, if any, to receive distributions of the Corporation&rsquo;s assets
(including, but not limited to, the Liquidation Preference) or notices from the Corporation, will terminate, except only for the
rights of any such Holder to (i) receive physical certificates (if applicable) for the number of fully paid and non-assessable
whole Common Shares into which such Series A Preferred Shares have been converted and cash in lieu of any fractional share as
provided in Section 10, and (ii) exercise the rights to which such Holder is entitled as a holder of Common Shares into which
such Series A Preferred Shares have been converted.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">The
Transfer Agent shall, on a Holder&rsquo;s behalf, convert the Series A Preferred Shares into Common Shares, in accordance with
the terms of the notice delivered by such Holder described in Section 8(b)(i)&nbsp;above. </FONT>The Common Shares and cash in
lieu of any fractional share due to a Holder surrendering physical certificates shall be delivered to the Holder and each surrendered
physical certificate shall be canceled and retired. <FONT STYLE="color: black">In the event that the Holders shall not by written
notice designate the name in which Common Shares and/or cash, securities or other property (including payments of cash in lieu
of fractional shares) to be issued or paid upon conversion of Series A Preferred </FONT>Shares <FONT STYLE="color: black">should
be registered or paid or the manner in which such shares should be delivered, the Corporation shall be entitled to register and
deliver such shares, and make such payment, in the name of the Holders and in the manner shown on the records of the Corporation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the Conversion Date occurs
on or before the close of business on a Dividend Record Date, the Holder shall not be entitled to receive any portion of the dividend
declared on such converted Series A Preferred Shares and paid or payable on the corresponding Dividend Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the Conversion Date occurs
after a Dividend Record Date but prior to the corresponding Series A Dividend Payment Date, the Holder on the Dividend Record Date
shall receive on that Dividend Payment Date dividends declared and paid on those Series A Preferred Shares, notwithstanding the
conversion of those Series A Preferred Shares prior to that Dividend Payment Date, because that Holder shall have been the Holder
of record on the corresponding Dividend Record Date. However, at the time that such holder surrenders the Series A Preferred Shares
for conversion, the holder shall pay to the Corporation an amount equal to the dividend that has been paid, or will be paid, on
the related Series A Dividend Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A Holder of Series A Preferred
Shares on a Dividend Record Date who exercises such Holder&rsquo;s Conversion Right and converts such Series A Preferred Shares
into Common Shares on or after the corresponding Dividend Payment Date shall be entitled to receive the dividend declared on such
Series A Preferred Shares and paid or payable on such Series A Dividend Payment Date, and the converting Holder need not include
payment of the amount of such dividend upon surrender for conversion of those Series A Preferred Shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation shall reserve
out of its authorized but unissued Common Shares, sufficient Common Shares to provide for the conversion of Series A Preferred
Shares from time to time as such Series A Preferred Shares are presented for conversion. The Corporation shall take all action
necessary so that all Common Shares that may be issued upon conversion of Series A Preferred Shares will upon issue be validly
issued, fully paid and nonassessable, and free from all liens and charges in respect of the issuance or delivery thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any Series A Preferred Shares
are to be converted by the Corporation pursuant to Section 9, such Holder&rsquo;s right to voluntarily convert such Holder&rsquo;s
Series A Preferred Shares as provided in this Section 8 shall terminate at 5:00 p.m., New York City time, on the Trading Day immediately
preceding the Corporation Conversion Option Date, and dividends on the Series A Preferred Shares will thereafter cease to be payable
and all other rights of the Holders will terminate, except for the right to receive the Common Shares and cash in lieu of fractional
shares.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 9.&nbsp;&nbsp;&nbsp;<U>Corporation Conversion
Option</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
any time on or after the fifth anniversary of the Issue Date, the Corporation shall have the option to require the Holders to
convert all of the outstanding Series A Preferred Shares into that number of Common Shares that are issuable at the Conversion
Ratio then in effect (the &ldquo;<U>Corporation Conversion Option</U>&rdquo;). The Corporation may exercise the Corporation Conversion
Option only if: (i) the Closing Sale Price equals or exceeds 120% of the Conversion Price then in effect for at least 20 Trading
Days in a period of 30 consecutive Trading Days (including the last Trading Day of such period) ending on the fifth Trading Day
immediately prior to the Corporation&rsquo;s issuance of a press release announcing its intent to exercise the Corporation Conversion
Option on the Series A Preferred Shares in accordance with Section 9(b); and (ii) the Corporation has declared and paid full dividends
for four consecutive quarters prior to the issuance of such press release.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To exercise the Corporation Conversion
Option pursuant to this Section 9, the Corporation shall issue a press release for publication on a newswire service in accordance
with the federal securities laws or the rules of any stock exchange on which the Series A Preferred Shares or the Common Shares
are then listed or traded, and in any case by first class mail to each Holder, providing the relevant information to the public
prior to the opening of business on the fifth Trading Day following any date on which the conditions set forth in Section 9(a)
shall have been satisfied, announcing the Corporation&rsquo;s intention to exercise the Corporation Conversion Option. The Corporation
shall also give notice by mail or by publication (with subsequent prompt notice by mail) to the Holders (not more than ten Trading
Days after the date of the press release) of the exercise of the Corporation Conversion Option announcing the Corporation&rsquo;s
intention to convert the Series A Preferred Shares (&ldquo;<U>Corporation Conversion Notice</U>&rdquo;). The conversion date (the
&ldquo;<U>Corporation Conversion Option Date</U>&rdquo;) shall be on the date that the Corporation issues such press release, and
the date of the issuance of the press release shall be the record date for such conversion. In addition to any information required
by applicable law or regulation, the press release and the Corporation Conversion Notice shall state, as appropriate:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the Corporation Conversion
Option Date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;the number of Common Shares
to be issued upon conversion of each Series A Preferred Share; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;that dividends on the
Series A Preferred Shares to be converted shall cease to accrue for that Dividend Period on the Corporation Conversion Option Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon exercise of the Corporation
Conversion Option and the surrender of Series A Preferred Shares by a Holder thereof, the Corporation shall issue and shall deliver
or cause to be issued and delivered to such Holder, or to such other Person on such Holder&rsquo;s written order (i) certificates
representing the number of validly issued, fully paid and non-assessable whole Common Shares to which a Holder of Series A Preferred
Shares being converted, or a Holder&rsquo;s transferee, shall be entitled and (ii) cash in lieu of any fractional Common Share
as provided in Section 10.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each conversion shall be deemed
to have been made at the close of business on the Corporation Conversion Option Date so that the rights of the Holder shall cease
except for the right to receive the number of fully paid and non-assessable Common Share at the Conversion Ratio (subject to adjustment
in accordance with the provisions of Section 11), and cash in lieu of fractional shares as provided in Section 10, and the Person
entitled to receive Common Shares shall be treated for all purposes as having become the record holder of those Common Shares at
that time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Corporation exercises the Corporation Conversion Option and the Corporation Conversion Option Date is a date that is prior
to the close of business on any Dividend Record Date, the Holder shall not be entitled to receive any portion of the dividend
payable for such Dividend Period on such converted shares on the corresponding Dividend Payment Date.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the Corporation exercises
the Corporation Conversion Option and the Corporation Conversion Option Date is a date that is after the close of business on any
Dividend Record Date and prior to the close of business on the corresponding Dividend Payment Date, all dividends for that Dividend
Period with respect to the Series A Preferred Shares called for conversion on such date shall be payable on such Dividend Payment
Date to the record holder of such shares on such record date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Fractional Shares
Upon Conversion</U>. No fractional Common Shares or securities representing fractional Common Shares shall be issued upon any conversion
of any Series A Preferred Shares. If more than one Series A Preferred Share held by the same Holder shall be subject to conversion
at one time, the number of whole Common Shares issuable upon conversion thereof shall be computed on the basis of the aggregate
Liquidation Preference of all of such Series A Preferred Shares as of the conversion date. If the conversion of one or more Series
A Preferred Shares results in a fraction of a Common Share, an amount equal to such fraction multiplied by the Market Value shall
be paid to such Holder in cash by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section&nbsp;11.&nbsp;&nbsp;&nbsp;<U>Anti-Dilution
Adjustments</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><FONT STYLE="color: black">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Any
adjustment to the Conversion Price shall result in a change in the Conversion Ratio. <FONT STYLE="color: black">The Conversion
Price shall be subject to the following adjustments; provided, however, that notwithstanding anything to the contrary set forth
herein, any adjustment to the Conversion Price to be made pursuant to this Section 11 shall be made to the extent (but only to
the extent) that such adjustment would not cause or result in any Holder and its Affiliates, collectively, being deemed to own,
control or have the power to vote, for purposes of the BHC Act or the CIBC Act and any rules and regulations promulgated thereunder,
Voting Securities which (assuming, for this purpose only, full conversion and/or exercise of all such securities) would represent
10% or more of any class of Voting Securities of the Corporation outstanding at such time; provided, further, however, that any
adjustment (or portion thereof) prohibited pursuant to this Section&nbsp;11(a) shall be postponed and implemented on the first
date on which such implementation would not result in the condition described above in this Section&nbsp;11(a):</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends and Distributions
of Common Shares</U>. If the Corporation pays dividends or other distributions on the Common Shares in Common Shares, then the
Conversion Price will be adjusted by multiplying the Conversion Price in effect at 5:00 p.m., New York City time, on the Trading
Day immediately prior to the Ex-Date for such dividend or distribution by the following fraction:&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font-size: 10pt; width: 15%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0</SUB></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>1</SUB></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares outstanding immediately prior to Ex-Date for such dividend or distribution.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>1</SUB></FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the sum of the number of Common Shares outstanding immediately prior to the Ex-Date for such dividend or distribution plus the total number of Common Shares constituting such dividend or distribution.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in">The adjustment pursuant to this
clause (i)&nbsp;shall become effective at 9:00 a.m., New York City time on the Ex-Date for such dividend or distribution. For
the purposes of this clause (i), the number of Common Shares at the time outstanding shall not include shares held in treasury
by the Corporation. If any dividend or distribution described in this clause (i)&nbsp;is declared but not so paid or made, the
Conversion Price shall be readjusted, effective as of the date the Board of Directors publicly announces its decision not to make
such dividend or distribution, to such Conversion Price that would be in effect if such dividend or distribution had not been
declared.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Subdivisions, Splits
and Combination of Common Shares</U>. If the Corporation subdivides, splits or combines the Common Shares, then the Conversion
Price will be adjusted by multiplying the Conversion Price in effect at 5:00 p.m., New York City time, on the Trading Day immediately
prior to the effective date of such subdivision, split or combination by the following fraction:&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="font-size: 10pt; width: 15%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0</SUB></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>1</SUB></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0; text-indent: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares outstanding immediately prior to the effective date of such subdivision, split or combination.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD>
    <TD STYLE="padding: 0; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>1</SUB></FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares outstanding immediately after the opening of business on the effective date of such subdivision, split or combination.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in">The adjustment pursuant to this clause
(ii)&nbsp;shall become effective at 9:00 a.m., New York City time on the effective date of such subdivision, split or combination.
For the purposes of this clause (ii), the number of Common Shares at the time outstanding shall not include shares held in treasury
by the Corporation. If any subdivision, split or combination described in this clause (ii)&nbsp;is announced but the outstanding
Common Shares are not subdivided, split or combined, the Conversion Price shall be readjusted, effective as of the date the Board
of Directors publicly announces its decision not to subdivide, split or combine the outstanding Common Shares, to such Conversion
Price that would be in effect if such subdivision, split or combination had not been announced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Issuance of Stock
Purchase Rights</U>. If the Corporation issues to all holders of the Common Shares rights or warrants (other than rights or warrants
issued pursuant to a dividend reinvestment plan or share purchase plan or other similar plans) entitling them, for a period of
up to 45 days from the date of issuance of such rights or warrants, to subscribe for or purchase the Common Shares at less than
the Market Value on the date fixed for the determination of shareholders entitled to receive such rights or warrants, then the
Conversion Price will be adjusted by multiplying the Conversion Price in effect at 5:00 p.m., New York City time, on the Trading
Day immediately prior to the Ex-Date for such issuance by the following fraction:&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0 </SUB>+ Y</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0 </SUB>+ X</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%">&nbsp;</TD>
    <TD STYLE="width: 6%; padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares outstanding immediately prior to the Ex-Date for such distribution.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">X</FONT></TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">the total number of Common Shares issuable pursuant to such rights or warrants.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">Y</FONT></TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding-right: 0; padding-bottom: 0; padding-left: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares equal to the aggregate price payable to exercise such rights or warrants divided by the Market Value as of the date immediately prior to the Ex-Date for such distribution.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 1in">Any adjustment pursuant to this clause
(iii)&nbsp;shall become effective immediately prior to 9:00 a.m., New York City time, on the Ex-Date for such issuance. For the
purposes of this clause (iii), the number of Common Shares at the time outstanding shall not include shares held in treasury by
the Corporation. The Corporation shall not issue any such rights or warrants in respect of Common Shares held in treasury by the
Corporation. In the event that such rights or warrants described in this clause (iii)&nbsp;are not so issued, the Conversion Price
shall be readjusted, effective as of the date the Board of Directors publicly announces its decision not to issue such rights or
warrants, to the Conversion Price that would then be in effect if such issuance had not been declared. To the extent that such
rights or warrants are not fully exercised prior to their expiration or Common Shares are otherwise not delivered pursuant to such
rights or warrants upon the exercise of such rights or warrants, the Conversion Price shall be readjusted to such Conversion Price
that would then be in effect had the adjustment made upon the issuance of such rights or warrants been made on the basis of the
delivery of only the number of Common Shares actually delivered. In determining the aggregate exercise price payable for such Common
Shares, there shall be taken into account any cash and non-cash consideration received for such rights or warrants and the value
of any such non-cash consideration shall be reasonably determined by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Debt or Asset Distributions</U>.
If the Corporation distributes to all holders of Common Shares evidences of indebtedness, shares of capital stock, securities,
cash or other assets (excluding any dividend or distribution referred to in clause (i)&nbsp;above, any rights or warrants referred
to in clause (iii)&nbsp;above, any dividend or distribution paid exclusively in cash, any consideration payable in connection with
a tender or exchange offer made by the Corporation or any of its subsidiaries, and any dividend of shares of capital stock of any
class or series, or similar equity interests, of or relating to a subsidiary or other business unit in the case of certain spinoff
transactions as described below), then the Conversion Price will be adjusted by multiplying the Conversion Price in effect at 5:00&nbsp;p.m.,
New York City time, on the Trading Day immediately prior to the Ex-Date for such distribution by the following fraction:&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0 </SUB>- FMV</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0</SUB></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; padding: 0">&nbsp;</TD>
    <TD STYLE="width: 6%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">the Market Value per Common Share on such date.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">FMV</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the fair market value of the portion of the distribution applicable to one Common Share on such date as reasonably determined by the Board of Directors.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">In a &ldquo;spin-off&rdquo;, where
the Corporation makes a distribution to all holders of Common Shares consisting of capital stock of any class or series, or similar
equity interests of, or relating to, a subsidiary or other business unit, the Conversion Price will be adjusted on the 15<SUP>th
</SUP>Trading Day after the effective date of the distribution by multiplying such Conversion Price in effect immediately prior
to such 15<SUP>th</SUP> Trading Day by the following fraction:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">MP<SUB>0</SUB></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">MP<SUB>0 </SUB>+ MP<SUB>S</SUB></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; padding: 0">&nbsp;</TD>
    <TD STYLE="width: 6%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">MP<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">the average of the Closing Sales Prices of the Common Shares over the first 10 Trading Days commencing on and including the fifth Trading Day following the effective date of such distribution.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">MP<SUB>S</SUB></FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the average of the Closing Sales Prices of the capital stock or equity interests representing the portion of the distribution applicable to one Common Share over the first 10 Trading Days commencing on and including the fifth Trading Day following the effective date of such distribution.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">Any adjustment pursuant to this
clause (iv)&nbsp;shall become effective immediately prior to 9:00 a.m., New York City time, on the Ex-Date for such distribution.
In the event that such distribution described in this clause (iv)&nbsp;is not so paid or made, the Conversion Price shall be readjusted,
effective as of the date the Board of Directors publicly announces its decision not to pay or make such dividend or distribution,
to the Conversion Price that would then be in effect if such distribution had not been declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cash Distributions</U>.
If the Corporation makes a distribution consisting exclusively of cash to all holders of Common Shares, excluding (A)&nbsp;any
regular cash dividend on the Common Shares to the extent that the aggregate cash dividends per Common Share does not exceed $0.04
in any fiscal quarter, (B)&nbsp;any cash that is distributed in a Reorganization Event or as part of a &ldquo;spin-off&rdquo; referred
to in clause (iv)&nbsp;above, (C)&nbsp;any dividend or distribution in connection with the Corporation&rsquo;s liquidation, dissolution
or winding up, and (D)&nbsp;any consideration payable in connection with a tender or exchange offer made by the Corporation or
any of its subsidiaries, then in each event, the Conversion Price will be adjusted by multiplying the Conversion Price in effect
at 5:00 p.m., New York City time, on the Trading Day immediately prior to the Ex-Date for such distribution by the following fraction:&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 15%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0 </SUB>- DIS</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0 </SUB></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; padding: 0">&nbsp;</TD>
    <TD STYLE="width: 6%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">the Closing Sales Price per Common Share on the Trading Day immediately preceding the Ex-Date.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">DIS</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the amount per Common Share of the distribution </FONT><FONT STYLE="color: black">(or, in the case of a regular cash dividend, the amount of the aggregate cash dividend in any quarter which is in excess of $0.04 per Common Share)<FONT STYLE="font-size: 10pt">.</FONT></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">Any adjustment pursuant to this
clause (v)&nbsp;shall become effective immediately prior to 9:00 a.m., New York City time, on the Ex-Date for such dividend or
distribution. In the event that any distribution described in this clause (v)&nbsp;is not so made, the Conversion Price shall
be readjusted, effective as of the date the Board of Directors publicly announces its decision not to pay such distribution, to
the Conversion Price which would then be in effect if such distribution had not been declared.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Self Tender Offers
and Exchange Offers</U>. If the Corporation or any of its subsidiaries successfully completes a tender or exchange offer for the
Common Shares where the cash and the value of any other consideration included in the payment per Common Share exceeds the Closing
Sales Price per Common Share on the Trading Day immediately succeeding the expiration of the tender or exchange offer, then the
Conversion Price will be adjusted by multiplying the Conversion Price in effect at 5:00 p.m., New York City time, on the expiration
date of the offer by the following fraction:&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 20%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: Black 1.5pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0 </SUB>* SP<SUB>0</SUB></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><FONT STYLE="font-size: 10pt; color: black">AC + (SP<SUB>0 </SUB>* OS<SUB>1</SUB>)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 9.9pt 0 0 1in; text-indent: 0.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD COLSPAN="3" STYLE="padding: 0">Where,</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 18%; padding: 0">&nbsp;</TD>
    <TD STYLE="width: 6%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">SP<SUB>0</SUB></FONT></TD>
    <TD STYLE="width: 3%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="width: 73%; padding: 0"><FONT STYLE="font-size: 10pt; color: black">the Closing Sales Price per Common Share on the Trading Day immediately succeeding the expiration of the tender or exchange offer.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>0</SUB></FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares outstanding immediately prior to the expiration of the tender or exchange offer, including any shares validly tendered and not withdrawn.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">OS<SUB>1</SUB></FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the number of Common Shares outstanding immediately after the expiration of the tender or exchange offer.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding: 0">&nbsp;</TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">AC</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">=</FONT></TD>
    <TD STYLE="padding: 0"><FONT STYLE="font-size: 10pt; color: black">the aggregate cash and fair market value of the other consideration payable in the tender or exchange offer, as reasonably determined by the Board of Directors.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">Any adjustment made pursuant to
this clause (vi)&nbsp;shall become effective immediately prior to 9:00 a.m., New York City time, on the Trading Day immediately
following the expiration of the tender or exchange offer. For the purposes of this clause (vi), the number of Common Shares at
the time outstanding shall not include shares held in treasury by the Corporation. In the event that the Corporation or one of
its subsidiaries is obligated to purchase Common Shares pursuant to any such tender offer or exchange offer, but the Corporation
or such subsidiary is permanently prevented by applicable law from effecting any such purchases, or all such purchases are rescinded,
then the Conversion Price shall be readjusted to be such Conversion Price that would then be in effect if such tender offer or
exchange offer had not been made.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rights
Plans</U>. To the extent that the Corporation has a rights plan in effect with respect to the Common Shares on any Conversion
Date, upon conversion of any Series A Preferred Shares, the Holders will receive, in addition to the Common Shares, the rights
under the rights plan, unless, prior to such Conversion Date, the rights have separated from the Common Shares, in which case
the Conversion Price will be adjusted at the time of separation as if the Corporation had made a distribution to all holders of
Common Shares as described in clause (iv)&nbsp;above, subject to readjustment in the event of the expiration, termination or redemption
of such rights.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
adjustments to the Conversion Price shall be calculated to the nearest 1/10th of a cent. No adjustment in the Conversion Price
shall be required if such adjustment would be less than $0.01; provided that any adjustments which by reason of this subparagraph
are not required to be made shall be carried forward and taken into account in any subsequent adjustment; provided, further, that
on any Conversion Date adjustments to the Conversion Price will be made with respect to any such adjustment carried forward and
which has not been taken into account before such date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No adjustment to the Conversion
Price shall be made if the Holders may participate in the transaction that would otherwise give rise to an adjustment, as a result
of holding the Series A Preferred Shares (including without limitation pursuant to Section&nbsp;4(b) hereof), without having to
convert the Series A Preferred Shares, as if they held the full number of Common Shares into which a Series A Preferred Share may
then be converted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever the Conversion Price
is to be adjusted in accordance with Section 11(a), the Corporation shall: (i)&nbsp;compute the Conversion Price in accordance
with Section 11(a), taking into account the $0.01 threshold set forth in Section 11(b) hereof; (ii)&nbsp;as soon as practicable
following the occurrence of an event that requires an adjustment to the Conversion Price pursuant to Section 11(a), taking into
account the $0.01 threshold set forth in Section 11(b) hereof (or if the Corporation is not aware of such occurrence, as soon as
practicable after becoming so aware), provide, or cause to be provided, a written notice to the Holders of the occurrence of such
event; and (iii)&nbsp;as soon as practicable following the determination of the revised Conversion Price in accordance with Section
11(a) hereof, provide, or cause to be provided, a written notice to the Holders setting forth in reasonable detail the method by
which the adjustment to the Conversion Price was determined and setting forth the revised Conversion Price.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of any Reorganization
Event, each Series A Preferred Share thereafter remaining outstanding, if any, shall thereafter, without the consent of any Holder,
become convertible at any time, at the option of the Holder thereof, or pursuant to and in accordance with the Corporation Conversion
Option, only into the kind and amount of securities (of the Corporation or another issuer), cash and other property receivable
upon such Reorganization Event by a holder of the number of Common Shares into which such Series A Preferred Share could have been
converted immediately prior to such Reorganization Event, after giving effect to any adjustment event. The provisions of this Section
11(d) and any equivalent thereof in any such securities similarly shall apply to successive Reorganization Events. None of the
provisions of this Section 11(d) shall affect the right of a Holder to convert the Holder&rsquo;s Series A Preferred Shares into
Common Shares prior to the effective date of a Reorganization Event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section&nbsp;12.&nbsp;&nbsp;&nbsp;<U>Form</U>. Series
A Preferred Shares may be issued in the form of physical certificates or in book entry form through the direct registration system
of the Transfer Agent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 13.&nbsp;&nbsp;&nbsp;<U>No Preemptive Rights</U>.
The holders of Series A Preferred Shares shall have no preemptive rights with respect to any shares of the Corporation&rsquo;s
capital stock or any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">Section 14.&nbsp;&nbsp;&nbsp;<U>Other Provisions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to any notice to a Holder required to be provided hereunder, such notice shall be mailed to the registered address of
such Holder, and neither failure to mail such notice, nor any defect therein or in the mailing thereof, to any particular Holder
shall affect the sufficiency of the notice or the validity of the proceedings referred to in such notice with respect to the other
Holders or affect the legality or validity of any conversion, distribution, rights, warrant, reclassification, consolidation,
merger, conveyance, transfer, dissolution, liquidation, winding up or other action, or the vote upon any action with respect to
which the Holders are entitled to vote. All notice periods referred to herein shall commence on the date of the mailing of the
applicable notice. Any notice which was mailed in the manner herein provided shall be conclusively presumed to have been duly
given whether or not the Holder receives the notice.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Liquidation Preference and
the annual dividend rate set forth in Section 4(a) shall be subject to adjustment whenever there shall occur a stock split, combination,
reclassification or other similar event involving Series A Preferred Shares. Such adjustments shall be made in such manner and
at such time as the Board of Directors of the Corporation in good faith determines to be equitable in the circumstances, any such
determination to be evidenced in a resolution. Upon any such equitable adjustment, the Corporation shall promptly deliver to the
Transfer Agent and each Holder an Officers&rsquo; Certificate attaching and certifying the resolution of the Board of Directors,
describing in reasonable detail the event requiring the adjustment and the method of calculation thereof and specifying the increased
or decreased Liquidation Preference or annual dividend rate in effect following such adjustment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All issued Series A Preferred
Shares shall be deemed outstanding except (i) from the date of surrender of certificates representing Series A Preferred Shares,
all Series A Preferred Shares converted into Common Shares; and (ii) from the date of registration of transfer, all Series A Preferred
Shares held of record by the Corporation or any subsidiary of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In case, at any time while any
of the Series A Preferred Shares are outstanding:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation shall declare
a dividend (or any other distribution) on its Common Shares or any other Junior Shares other than a regular cash dividend on the
Corporation&rsquo;s Common Shares;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation shall
authorize the issuance to all holders of its Common Shares or any Junior Shares of rights or warrants to subscribe for or purchase
Common Shares or of any other subscription rights or warrants;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is any Reorganization
Event; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt 0.5in; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There is a voluntary or
involuntary dissolution, liquidation or winding up of the Corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">then the Corporation shall cause to be mailed to the Transfer
Agent, if any, for Series A Preferred Shares and the Transfer Agent shall cause to be mailed to the Holders of the outstanding
Series A Preferred Shares at their respective addresses as they appear on the books of the Corporation, at least ten (10) days
before the date hereinafter specified (or the earlier of the dates herein specified, in the event that more than one date is specified),
a notice stating (i) the date on which a record is to be taken for the purpose of such dividend, distribution, rights or warrants,
or, if a record is not to be taken, the date as of which the holders of Common Shares of record to be entitled to such dividend,
distribution, rights or warrants are to be determined, (ii) the date on which any such Reorganization Event, dissolution, liquidation
or winding up is expected to become effective, and the date as of which it is expected that holders of Common Shares of record
shall be entitled to exchange their shares for the applicable consideration, deliverable upon such Reorganization Event, dissolution,
liquidation or winding up or (iii) the date after which the Series A Preferred Shares may be converted into Common Shares at the
option of the Holder pursuant to Section 8(a) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The headings of the various sections
and subsections contained herein are for convenience of reference only and shall not affect the interpretation of any of the provisions
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as may otherwise be required by law, the Series A Preferred Shares shall not have any powers, designations, preferences and relative,
participating, optional or other special rights, other than those specifically set forth in this Section I of the Articles.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 0">-17-</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

</BODY>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>fs12014ex23i_sbfinancial.htm
<DESCRIPTION>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B><U>Exhibit
23.1</U></B></FONT></P>

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

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

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif">Consent
of Independent Registered Public Accounting Firm</FONT></P>

<P STYLE="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif">We
hereby consent to the incorporation by reference in this Registration Statement on Form S-1 of our report dated March 3, 2014,
on our audits of the consolidated financial statements of SB Financial Group, Inc., which appears in SB Financial Group Inc.&rsquo;s
Annual Report on Form 10-K for the year ended December 31, 2013. We also consent to the references to our firm under the caption
&ldquo;Experts&rdquo;.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">/s/ BKD, LLP</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"><FONT STYLE="font-family: Times New Roman, Times, Serif"><B>BKD,
LLP </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">Cincinnati,
Ohio</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-family: Times New Roman, Times, Serif">September
22, 2014</FONT></P>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24
<SEQUENCE>5
<FILENAME>fs12014ex24_sbfinancial.htm
<DESCRIPTION>POWER OF ATTORNEY
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
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<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: right"><B><U>Exhibit 24</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 8<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ George W. Carter</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>George W. Carter</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 9<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ Gary M. Cates</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Gary M. Cates</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 420pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt; text-indent: 80pt"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 12pt; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 9<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ Robert A. Fawcett, Jr.</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Robert A. Fawcett, Jr.</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 6<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ Gaylyn J. Finn</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Gaylyn J. Finn</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1.5pt solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 9<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ Richard L. Hardgrove</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Richard L. Hardgrove</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>


<!-- Field: Page; Sequence: 5 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in her name and on her behalf, in any and all capacities, and to execute any and all instruments, in her name and on
her behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in her name and on her behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 5<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ Rita Kissner</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Rita Kissner</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<!-- Field: Page; Sequence: 6 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 12pt"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 8<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ William G. Martin</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>William G. Martin</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<!-- Field: Page; Sequence: 7 -->
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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 12pt"><B>POWER OF ATTORNEY</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"><B>KNOW ALL MEN BY THESE PRESENTS</B>,
that the undersigned, being a director of SB Financial Group, Inc., an Ohio corporation (the &ldquo;Corporation&rdquo;), does hereby
constitute and appoint Mark A. Klein and Anthony V. Cosentino, and each of them acting individually, as the true and lawful attorneys
and agents of the undersigned, with power to act without any other and with full power of substitution, to do any and all acts
and things, in his name and on his behalf, in any and all capacities, and to execute any and all instruments, in his name and on
his behalf, in any and all capacities, which said attorneys and agents, or either of them, may deem necessary or advisable to enable
the Corporation to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities
and Exchange Commission, in connection with the filing of the Registration Statement on Form S-1 of the Corporation filed herewith,
including specifically but without limitation, power and authority to execute, in his name and on his behalf, in any and all capacities,
the Registration Statement on Form S-1 of the Corporation filed herewith and any and all amendments (including post-effective amendments)
to the Registration Statement on Form S-1 of the Corporation filed therewith, and any related registration statements filed by
the Corporation pursuant to Rule 462(b) under the Securities Act of 1933, as amended, and to file the same, with all exhibits thereto,
and other documents in connection therewith, with the Securities and Exchange Commission; and the undersigned does hereby ratify
and confirm all that each said attorney and agent, or his substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in">IN WITNESS WHEREOF, the undersigned
has executed this Power of Attorney this 16<SUP>th</SUP> day of September, 2014.</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 60%; padding-bottom: 1.5pt">&nbsp;</TD>
    <TD STYLE="width: 40%; border-bottom: Black 1.5pt solid">/s/ Timothy J. Stolly</TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
    <TD>&nbsp;</TD>
    <TD>Timothy J. Stolly</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 0; margin-bottom: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1.5pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 247.7pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">&nbsp;</P>



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