<SEC-DOCUMENT>0000939057-19-000264.txt : 20190614
<SEC-HEADER>0000939057-19-000264.hdr.sgml : 20190614
<ACCEPTANCE-DATETIME>20190614152232
ACCESSION NUMBER:		0000939057-19-000264
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20190614
FILED AS OF DATE:		20190614
DATE AS OF CHANGE:		20190614
EFFECTIVENESS DATE:		20190614

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RIVERVIEW BANCORP INC
		CENTRAL INDEX KEY:			0001041368
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				911838969
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22957
		FILM NUMBER:		19898704

	BUSINESS ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
		BUSINESS PHONE:		360-693-6650

	MAIL ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>rivproxy19.htm
<DESCRIPTION>DEF 14A
<TEXT>
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            <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</div>
          </td>
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        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
        </tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Filed by the Registrant [X]<br>
              </font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Filed by a Party other than the Registrant [&#160; ]<br>
              </font></div>
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        </tr>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Check the appropriate box:</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Preliminary Proxy Statement</font></div>
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        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</font></div>
          </td>
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        <tr>
          <td style="width: 3.85%; vertical-align: top;">[X]<br>
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          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Definitive Proxy Statement</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Definitive Additional Materials</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Soliciting Material Under Rule 14a-12</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="line-height: 11.4pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">RIVERVIEW BANCORP, INC.</font><font style="line-height: 11.4pt;"> <br>
              </font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(Name of Registrant as Specified in Its Charter)</font></div>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">&#160;</td>
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          <td style="width: 100%; vertical-align: top;" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(Name of Person(s) Filing Proxy Statement, if Other Than the Registrant)</font></div>
          </td>
        </tr>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Payment of Filing Fee (Check the appropriate box):</font></div>
          </td>
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          <td style="width: 3.85%; vertical-align: top;">[X]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">No fee required.</font></div>
          </td>
        </tr>
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          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
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          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Title of each class of securities to which transaction applies:</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
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          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Aggregate number of securities to which transactions applies:</font></div>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
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          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11:</font></div>
          </td>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Proposed maximum aggregate value of transaction:</font></div>
          </td>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
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          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Total fee paid:</font></div>
          </td>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">[&#160;&#160; ]<br>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Fee paid previously with preliminary materials:</font></div>
          </td>
        </tr>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Segoe UI Symbol', sans-serif;">[&#160;&#160; ]</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for
                which the offsetting fee was paid previously.&#160; Identify the previous filing by registration statement number, or the form or schedule and the date of its filing.</font></div>
          </td>
        </tr>
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          <td style="width: 100%; vertical-align: top;" colspan="2">&#160;</td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Amount previously paid:</font></div>
          </td>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Form, Schedule or Registration Statement No.:</font></div>
          </td>
        </tr>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Filing Party:</font></div>
          </td>
        </tr>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Date Filed:</font></div>
          </td>
        </tr>
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          <td style="width: 100%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">N/A</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>

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    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    </div>
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    </div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">June 14, 2019</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Dear Stockholder:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">You are cordially invited to attend the annual meeting of stockholders of Riverview Bancorp, Inc.&#160;
        The meeting will be held at the Riverview Center, 17205 S.E. Mill Plain Boulevard, Vancouver, Washington, on Wednesday, July&#160;24, 2019 at 10:00 a.m., local time.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Notice of Annual Meeting of Stockholders and Proxy Statement appearing on the following pages
        describe the formal business to be transacted at the meeting.&#160; During the meeting, we will also report on our operations.&#160; Directors and officers will be present to respond to appropriate questions of stockholders.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">It is important that your shares are represented at this meeting, whether or not
        you attend the meeting in person and regardless of the number of shares you own.&#160; To make sure your shares are represented, we urge you to complete and mail the enclosed proxy card or vote over the Internet.&#160; If you attend the meeting, you may vote
        in person even if you have previously voted.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We look forward to seeing you at the meeting.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z410ddb86b22b42c1883c1ebc468063cc">

          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Sincerely,</font></td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/s/ <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patrick Sheaffer</font></div>
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
                </font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patrick Sheaffer</font> <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>Chairman <br>
              </div>
            </td>
          </tr>

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    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">RIVERVIEW BANCORP, INC.</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">900 WASHINGTON STREET</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SUITE 900</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">VANCOUVER, WASHINGTON 98660</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">(360) 693-6650</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
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      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">NOTICE OF ANNUAL MEETING OF STOCKHOLDERS</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">TO BE HELD ON JULY 24, 2019</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;"> </font></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Notice is hereby given that the annual meeting of stockholders of Riverview Bancorp, Inc. will be
        held at the Riverview Center, 17205 S.E. Mill Plain Boulevard, Vancouver, Washington, on Wednesday, July 24, 2019, at 10:00 a.m., local time, for the following purposes:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z2765701982334ba49f853b208679cdb8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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              </td>
              <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Proposal 1:</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Election of three directors to each serve for a three-year term.</font></font></div>
              </td>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z65c0219b2c9b4e29979b2d9579775f0e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Proposal 2:</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Advisory (non-binding) vote to approve the compensation paid to our named
                      executive officers, as disclosed in this Proxy Statement.</font></font></div>
              </td>
            </tr>

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      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We will also consider and act upon such other matters as may properly come before the meeting or any
        adjournments or postponements thereof.&#160; As of the date of this notice, we are not aware of any other business to come before the meeting.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Important




          Notice Regarding the Availability of Proxy Materials for the Annual Meeting of Stockholders to Be Held on July 24, 2019.</font>&#160; Our Proxy Statement and Annual Report to Stockholders, are available at
        www.snl.com/irweblinkx/docs.aspx?iid=1032031.&#160; The following materials are available for review: (1) Proxy Statement; (2) proxy card; and (3) Annual Report to Stockholders.&#160; At the same website, you will also find directions to attend the annual
        meeting, where you may vote in person.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board of Directors has fixed the close of business on May 28, 2019 as the record date for the
        annual meeting.&#160; This means that stockholders of record at the close of business on that date are entitled to receive notice of, and to vote at, the meeting and any adjournment thereof.&#160; <font style="font-size: 10pt; font-family: 'Times New
          Roman', Times, serif; font-weight: bold;">To ensure that your shares are represented at the meeting, please take the time to vote by signing, dating and mailing the enclosed proxy card which is solicited by the Board of Directors or vote over the
          Internet using the voting procedures described on your proxy card.&#160; The proxy will not be used if you attend and vote at the annual meeting in person.&#160; Regardless of the number of shares you own, your vote is very important.&#160; Please act today.</font></font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="zae4d64008f6e4844965beed8769f93c0">

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            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">BY ORDER OF THE BOARD OF DIRECTORS</font></td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/s/ <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">TERESA L. BAKER</font> </div>
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
                </font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">TERESA L. BAKER</font> <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">CORPORATE SECRETARY</font> <br>
              </div>
            </td>
          </tr>

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    </div>
  </div>
  <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
    </font></div>
  <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Vancouver, Washington</font>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">June 14, 2019</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">IMPORTANT: The prompt return of proxies will save us the expense of further requests for proxies in order to ensure a quorum at the meeting.&#160; A self-addressed envelope is enclosed for your convenience.&#160; No postage is
        required if mailed in the United States.&#160; Alternatively, you may vote over the Internet by following the voting procedures and instructions on the proxy card.</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
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    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">PROXY STATEMENT</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">OF</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">RIVERVIEW BANCORP, INC.</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">900 WASHINGTON STREET</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">SUITE 900</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">VANCOUVER, WASHINGTON 98660</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">(360) 693-6650</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">ANNUAL MEETING OF STOCKHOLDERS</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">JULY 24, 2019</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board of Directors of Riverview Bancorp, Inc. is using this Proxy Statement to solicit proxies
        from our stockholders for use at the annual meeting of stockholders.&#160; We are first mailing this Proxy Statement and the enclosed form of proxy to our stockholders on or about June 14, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The information provided in this Proxy Statement relates to Riverview Bancorp, Inc. and its
        wholly-owned subsidiary, Riverview Community Bank.&#160; Riverview Bancorp, Inc. may also be referred to as &#8220;Riverview&#8221; and Riverview Community Bank may also be referred to as the &#8220;Bank.&#8221;&#160; References to &#8220;we,&#8221; &#8220;us&#8221; and &#8220;our&#8221; refer to Riverview and, as
        the context requires, Riverview Community Bank.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">INFORMATION ABOUT THE ANNUAL MEETING</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Our annual meeting will be held as follows</font></div>
    <div style="line-height: 11.4pt; text-align: justify;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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            </td>
            <td style="width: 36pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Date:</font></td>
            <td style="width: auto; vertical-align: top; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Wednesday, July 24,
                  2019</font></font></td>
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    <div style="text-align: justify; line-height: 11.4pt;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z59902b492c004f2c861e2823b27b1248" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Time:</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10:00 a.m., local time</font></font></div>
              </td>
            </tr>

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      </div>
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">
      <div>
        <table cellspacing="0" cellpadding="0" id="ze3b03a8a95034db2ad362939e6a1369a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Place:</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Riverview Center, located at 17205 S.E. Mill Plain Boulevard, Vancouver,
                      Washington 98683</font></font></div>
              </td>
            </tr>

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      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Matters to Be Considered at the Annual Meeting</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">At the meeting, you will be asked to consider and vote upon the following proposals:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z983e8c92b77142f1800f44e7facaddb2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Proposal 1:</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Election of three directors to each serve for a three-year term.</font></font></div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;">
      <div>
        <table cellspacing="0" cellpadding="0" id="z3cc356a6f679467c8bb8645a6a110eaa" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 72pt; vertical-align: top; align: right;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Proposal 2:</font></td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Advisory (non-binding) vote to approve the compensation paid to our named
                      executive officers, as disclosed in this Proxy Statement.</font></font></div>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We also will transact any other business that may properly come before the annual meeting.&#160; As of the date of this proxy
        statement, we are not aware of any other business to be presented for consideration at the annual meeting other than the matters described in this proxy statement.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Who Is Entitled to Vote?</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We have fixed the close of business on May 28, 2019 as the record date for stockholders entitled to
        notice of and to vote at our annual meeting.&#160; Only holders of record of Riverview&#8217;s common stock on that date are entitled to notice of and to vote at the annual meeting.&#160; You are entitled to one vote for each share of Riverview common stock you
        own, unless you own more than 10% of Riverview&#8217;s outstanding shares.&#160; As provided in our Articles of Incorporation, record holders of common stock who beneficially own in excess of 10% of Riverview&#8217;s outstanding shares are not entitled to any vote
        in respect of the shares held in excess of the 10% limit.&#160; On May 28, 2019, there were 22,613,712 shares of Riverview common stock outstanding and entitled to vote at the annual meeting.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">How Do I Vote at the Annual Meeting?</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Proxies are solicited to provide all stockholders on the voting record date an opportunity to vote on
        matters scheduled for the annual meeting and described in these materials.&#160; This question provides voting instructions for </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
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    </div>
    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">stockholders of record.&#160; You are a stockholder of record if your shares of Riverview common stock are held in your
        name.&#160; If you are a beneficial owner of Riverview common stock held by a broker, bank or other nominee (i.e., in &#8220;street name&#8221;), please see the instructions in the following question.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Shares of Riverview common stock can only be voted if the stockholder is present in person or by
        proxy at the annual meeting.&#160; To ensure your representation at the annual meeting, we recommend you vote by proxy even if you plan to attend the annual meeting.&#160; You can always change your vote at the meeting if you are a stockholder of record.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Voting instructions are included on your proxy card.&#160; Shares of Riverview common stock represented by
        properly executed proxies will be voted by the individuals named on the proxy card in accordance with the stockholder&#8217;s instructions.&#160; Where properly executed proxies are returned to us with no specific instruction as to how to vote at the annual
        meeting, the persons named in the proxy will vote the shares FOR the election of each of our director nominees and FOR advisory approval of the compensation of our named executive officers.&#160; If any other matters are properly presented at the annual
        meeting for action, the persons named in the enclosed proxy and acting thereunder will have the discretion to vote on these matters in accordance with their best judgment.&#160; We do not currently expect that any other matters will be properly
        presented for action at the annual meeting.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">You may receive more than one proxy card depending on how your shares are held.&#160; For example, you may
        hold some of your shares individually, some jointly with your spouse and some in trust for your children.&#160; In this case, you will receive three separate proxy cards to vote.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">What if My Shares Are Held in Street Name?</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If you are the beneficial owner of shares held in street name by a broker, your broker, as the record
        holder of the shares, is required to vote the shares in accordance with your instructions.&#160; If your common stock is held in street name, you will receive instructions from your broker that you must follow in order to have your shares voted.&#160; Your
        broker may allow you to deliver your voting instructions via the telephone or the Internet.&#160; Please see the instruction form that accompanies this Proxy Statement.&#160; If you do not give instructions to your broker, your broker may nevertheless vote
        the shares with respect to discretionary items, but will not be permitted to vote your shares with respect to non-discretionary items, pursuant to current industry practice.&#160; In the case of non-discretionary items, the shares not voted will be
        treated as &#8220;broker non-votes.&#8221;&#160; Both of the proposals to be presented at the annual meeting are non-discretionary items; therefore, you must provide instructions to your broker in order to have your shares voted.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If your shares are held in street name, you will need proof of ownership to be admitted to the annual
        meeting.&#160; A recent brokerage statement or letter from the record holder of your shares are examples of proof of ownership.&#160; If you want to vote your shares of common stock held in street name in person at the annual meeting, you will have to get a
        written proxy in your name from the broker, bank or other nominee who holds your shares.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Participants in the ESOP or 401(k) Plan</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If you participate in the Riverview Bancorp, Inc. Employee Stock Ownership Plan (the &#8220;ESOP&#8221;) or if
        you hold shares through the Riverview Bancorp, Inc. Employees&#8217; Savings and Profit Sharing Plan (&#8220;401(k) Plan&#8221;), you will receive a proxy card, that will serve as a voting instruction form, that reflects all shares you may direct the trustees to
        vote on your behalf under the plans.&#160; Under the terms of the ESOP, the ESOP trustee votes all shares held by the ESOP, but each ESOP participant may direct the trustees how to vote the shares of common stock allocated to his or her account. The
        ESOP trustees, subject to the exercise of their fiduciary duties, will vote all unallocated shares of Riverview common stock held by the ESOP and allocated shares for which no voting instructions are received in the same proportion as shares for
        which it has received timely voting instructions. Under the terms of the 401(k) Plan, a participant is entitled to direct the trustee<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;</font>as to the
        shares in the 401(k) Employer Stock Fund<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;</font>credited to his or her account. The trustee will vote all shares for which no directions are given or
        for which instructions were not timely received in the same proportion as shares for which the trustee received voting instructions.&#160; As of the close of business on the May 28, 2019 voting record date, 465,206 shares and 521,797 shares have been
        allocated to participants&#8217; accounts in the ESOP and 401(k) Plan, respectively. The deadline for returning your voting instructions to each plan&#8217;s trustees is July 15, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">2<br style="line-height: 11.4pt;">
    </div>
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    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">How Many Shares Must Be Present to Hold the Meeting?</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">A quorum must be present at the meeting for any business to be conducted.&#160; The presence at the
        meeting, in person or by proxy, of at least a majority of the shares of Riverview common stock entitled to vote at the annual meeting as of the record date will constitute a quorum.&#160; Proxies received but marked as abstentions will be included in
        the calculation of the number of shares considered to be present at the meeting.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">What if a Quorum Is Not Present at the Meeting?</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If a quorum is not present at the scheduled time of the meeting, a majority of the stockholders
        present or represented by proxy may adjourn the meeting until a quorum is present.&#160; The time and place of the adjourned meeting will be announced at the time the adjournment is taken, and no other notice will be given unless the meeting is
        adjourned for 120 days or more.&#160; An adjournment will have no effect on the business that may be conducted at the meeting.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Vote Required to Approve Proposal 1: Election of Directors</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Directors are elected by a plurality of the votes cast, in person or by proxy, at the annual meeting
        by holders of Riverview common stock.&#160; Accordingly, the three nominees for election as directors who receive the highest number of votes actually cast will be elected.&#160; Pursuant to our Articles of Incorporation, stockholders are not permitted to
        cumulate their votes for the election of directors.&#160; Votes may be cast for or withheld from each nominee.&#160; Votes that are withheld and broker non-votes will have no effect on the outcome of the election because the three nominees receiving the
        greatest number of votes will be elected.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Our Board of Directors unanimously recommends that you vote FOR the election of each of its director
          nominees.</font></font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Vote Required to Approve Proposal 2: Advisory Approval of Named Executive Officer Compensation</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Approval of the advisory (non-binding) resolution to approve named executive officer compensation
        requires the affirmative vote of a majority of the votes cast at the annual meeting.&#160; Abstentions and broker non-votes will have no effect on the proposal.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight:
          bold;">Our Board of Directors unanimously recommends that you vote FOR approval of the compensation of our named executive officers.</font></font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">May I Revoke My Proxy?</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">You may revoke your proxy before it is voted by:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z670ccb70af3f4991bd2d014569b7e07e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">submitting a new proxy with a later date;</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd55925e3b39b4f86be8a3e4c5a119476" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">notifying the Corporate Secretary of Riverview in writing before the annual meeting that you have revoked your
                  proxy; or</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdab0ed7014bd4ffaa305d16fc83592b4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">voting in person at the annual meeting.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If you plan to attend the annual meeting and wish to vote in person, we will give you a ballot at the
        annual meeting.&#160; However, if your shares are held in street name, you must bring a validly executed proxy from the nominee indicating that you have the right to vote your shares.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The following table sets forth, as of May 28, 2019, the voting record date, information regarding
        share ownership of:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc4b9487163f444b9af6d607ee51f44b0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">those persons or entities (or groups of affiliated persons or entities) known by management to beneficially
                  own more than five percent of Riverview&#8217;s common stock other than directors and executive officers;</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <div> <br>
      </div>
      <div style="text-align: center;">3<br>
      </div>
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      </div>
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">each </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">director and director nominee of Riverview;</font></font> </font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6062ec7ae6854d48a8e84e4bc31c3d31" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">each executive officer of Riverview or Riverview Community Bank named in the Summary Compensation Table
                  appearing under &#8220;Executive Compensation&#8221; below (known as &#8220;named executive officers&#8221;); and</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zabdbec5c0ba049ed815a2e407b4904a0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">all current directors and executive officers of Riverview and Riverview Community Bank as a group.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Persons and groups who beneficially own in excess of five percent of Riverview&#8217;s common stock are
        required to file with the Securities and Exchange Commission (&#8220;SEC&#8221;), and provide a copy to us, reports disclosing their ownership pursuant to the Securities Exchange Act of 1934 (&#8220;Securities Exchange Act&#8221;).&#160; To our knowledge, no other person or
        entity, other than those set forth below, beneficially owned more than five percent of the outstanding shares of Riverview&#8217;s common stock as of the close of business on the voting record date.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Beneficial ownership is determined in accordance with the rules and regulations of the SEC.&#160; In
        accordance with Rule 13d-3 of the Securities Exchange Act, a person is deemed to be the beneficial owner of any shares of common stock if <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font>he or she has voting
        and/or investment power with respect to those shares.&#160; Therefore, the table below includes shares owned by spouses, other immediate family members in trust, shares held in retirement accounts or funds for the benefit of the named individuals, and
        other forms of ownership, over which shares the persons named in the table may possess voting and/or investment power.&#160; In addition, in computing the number of shares beneficially owned by a person and the percentage ownership of that person,
        shares of common stock subject to outstanding options that are currently exercisable or exercisable within 60 days after the voting record date are included in the number of shares beneficially owned by the person and are deemed outstanding for the
        purpose of calculating the person&#8217;s percentage ownership.&#160; These shares, however, are not deemed outstanding for the purpose of computing the percentage ownership of any other person.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zac2705b321484ab3a6f862b39bb724d3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 57.69%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Number of Shares</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Percent of Shares</font></div>
          </td>
        </tr>
        <tr>
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          <td style="width: 25%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 17.31%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
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          <td style="width: 25%; vertical-align: top; background-color: rgb(255, 255, 255);" rowspan="1">&#160;</td>
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          <td style="width: 17.31%; vertical-align: top; background-color: rgb(255, 255, 255);" rowspan="1">&#160;</td>
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          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Dimensional Fund Advisors LP</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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    <div style="line-height: 11.4pt; text-align: center;">4<br style="line-height: 11.4pt;">
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          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
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          <td style="width: 17.31%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1">
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          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom;" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom;" rowspan="1">&#160;</td>
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          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
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        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patrick Sheaffer</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3.1</font></div>
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        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Jerry C. Olson</font></div>
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        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Gerald L. Nies</font></div>
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        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bess R. Wills</font></div>
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        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bradley J. Carlson</font></div>
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        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">David Nierenberg</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
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        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">John A. Karas</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>&#160; &#160; 80,565 (11)</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patricia W. Eby</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160; </font>&#160; &#160; 16,000</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Named Executive Officers</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kevin J. Lycklama**</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160; &#160;</font>&#160; 149,169</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Christopher P. Cline</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font> &#160; &#160; &#160; &#160;&#160; 956</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">David Lam</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> </font>&#160;&#160; &#160; 12,938</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kim J. Capeloto</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; 124,932 (12)</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Daniel D. Cox</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font>&#160; &#160; &#160; &#160; 9,583</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 57.69%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All Executive Officers and Directors as a Group (14 persons)</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">1,416,393</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 17.31%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6.2</font></div>
          </td>
        </tr>

    </table>
    <div>___________</div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zaf1626cac1754960af12d45397958a0a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Less than one percent of shares outstanding.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">**</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Mr. Lycklama is also a director of Riverview.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The amounts shown include the following shares of common stock which the named individuals have the right to
                acquire within 60 days of the voting record date through the exercise of stock options granted pursuant to our stock option plans: Messrs. Karas, Sheaffer and Lycklama, 18,000 shares each; Mr. Lam, 3,511 shares; Mr. Capeloto, 11,000 shares;
                Mr. Cox, 1,511 shares; and all Riverview executive officers and directors as a group, 74,533 shares.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Based solely on a Schedule 13G filed with the SEC on January 31, 2019, reporting sole voting power over
                2,387,179 shares and sole dispositive power over 2,554,519 shares.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Based solely on a Schedule 13G/A filed with the SEC on February 8, 2019, reporting sole voting over 1,608,701
                shares and sole dispositive power over 1,692,210 shares.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Based solely on a Schedule 13G/A filed with the SEC on February 14, 2019, reporting that FJ Capital Management
                LLC and Martin Friedman have shared voting and dispositive power over 1,498,021 shares, Financial Opportunity Fund LLC has shared voting and dispositive power over 1,332,324 shares and Financial Opportunity Short/Long Fund LLC has shared
                voting and dispositive power over 36,727 shares.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(5)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Based solely on a Schedule 13G/A filed with the SEC on January 25, 2019, reporting sole voting and dispositive
                power over the shares.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(6)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Includes 13,910 shares held jointly by his wife and daughter and 338,748 shares held in trusts directed by Mr.
                Sheaffer.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(7)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Held jointly with his wife.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(8)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Held in trust jointly with his wife.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(9)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Held jointly with her husband.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(10)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Includes 13,000 shares held solely by his wife.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(11)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Includes 34,000 held jointly with his wife.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(12)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Includes 4,275 shares held solely by his wife and 1,021 shares held jointly with his wife.</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">5<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">PROPOSAL 1 &#8211; ELECTION OF DIRECTORS</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Our Board of Directors consists of nine members and is divided into three classes.&#160; One-third
        of the directors are elected annually to serve for a three-year period or until their respective successors are elected and qualified.&#160; The table below sets forth information regarding each director of Riverview and each nominee for director.&#160; The
        Nominating and Governance Committee of the Board of Directors selects nominees for election as directors.&#160; Each of our nominees currently serves as a Riverview director.&#160; Patricia W. Eby was appointed to the Board on April 24, 2019.&#160; Ms. Eby was
        recommended for appointment by a non-management director.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Each nominee has consented to being named in this Proxy Statement and has agreed to serve if
        elected.&#160; If a nominee is unable to stand for election, the Board of Directors may either reduce the number of directors to be elected or select a substitute nominee.&#160; If a substitute nominee is selected, the proxy holders will vote your shares for
        the substitute nominee, unless you have withheld authority.&#160; At this time, we are not aware of any reason why a nominee might be unable to serve if elected.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">The Board of Directors recommends a vote FOR the election of Ms. Eby and Messrs.
        Nierenberg and Nies, each for a three-year term.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z3d403e9a936946f68c3f4c13dcfd4796" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 30.77%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">
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          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">
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          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
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        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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              </font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">March 31, 2019</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Appointed Director</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Expire</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom;">&#160;</td>
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        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);" rowspan="1" colspan="7">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">BOARD NOMINEES</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patricia W. Eby</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">67</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2019</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;2022 (1)</font></div>
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        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">David Nierenberg</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">65</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2016</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;2022 (1)</font></div>
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        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Gerald L. Nies</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2009</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;2022 (1)</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);" rowspan="1" colspan="7">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">DIRECTORS CONTINUING IN OFFICE</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patrick Sheaffer</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">79</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font>&#160; &#160;&#160; 1979 (2)</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2020</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bess R. Wills</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">65</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2010</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2020</font></div>
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        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bradley J. Carlson</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">66</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2014</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2020</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">John A. Karas</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">70</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2017</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2021</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kevin J. Lycklama</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">41</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2018</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2021</font></div>
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        </tr>
        <tr>
          <td style="width: 30.77%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Jerry C. Olson</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">77</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2007</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.08%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2021</font></div>
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    </table>
    <div>_________________<br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Assuming election or reelection.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Includes service on the Board of Directors of Riverview Community Bank.</font></div>
          </td>
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    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Set forth below is the principal occupation of each nominee for director and each director continuing
        in office, as well as a brief description of the qualifications, attributes, skills and areas of expertise of each nominee or director that led to the conclusion that the person should serve as a director of Riverview.&#160; All nominees and directors
        have held their present positions for at least five years unless otherwise indicated.</font></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;"> <br>
        </font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Patricia




          W. Eby</font> is a Certified Public Accountant.&#160; She retired on April 30, 2019 from Peterson &amp; Associates P.S., a certified public accounting firm in Vancouver, Washington, having been affiliated with the firm for 41 years, including the past
        19 years as President and sole owner.&#160; Ms. Eby has a B.S. in Accounting from Walla Walla College and a J.D. from Lewis &amp; Clark Law School.&#160; She is active in Rotary, the Clark College Foundation and the Free Clinic.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">David




          Nierenberg</font> is the Founder and President of Nierenberg Investment Management Company (NIMCO), which manages The D3 Family Funds.&#160; Before founding NIMCO in 1996, Mr. Nierenberg was a General Partner of Trinity Ventures&#8217; first four venture
        capital partnerships.&#160; In 1987, he led an investor group which contracted with the U.S. government to recapitalize a bankrupt savings and loan company named Far West Federal Bank.&#160; From 1978 to 1985, Mr. Nierenberg worked at Bain &amp; Company in
        San Francisco, Boston, and London.&#160; He received his Bachelor of Arts degree from Yale College and his Juris Doctor degree from Yale Law School and is a retired member of the Massachusetts Bar.&#160; He is a past director of PeaceHealth Southwest
        Washington Medical Center, Electro Scientific Industries and Radisys.&#160; He currently serves as a director of Rosetta Stone (RST), Flotek Industries (FTK), the </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
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    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Washington State Investment Board and the Millstein Center at Columbia Law School.&#160; He has served on numerous
        not for profit and public and private for profit boards during the past thirty years.&#160; In addition to his public company experience, Mr. Nierenberg&#8217;s career has afforded him expertise in capital allocation, strategic planning, cost reduction,
        executive compensation and turnarounds.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-style: italic;">Gerald L. Nies</font> is retired after 42 years in the insurance business.&#160; He was President and Chief Executive Officer of Nies Insurance Agency from 1985-2011 and then was Executive Vice President after selling the business
        to Brown &amp; Brown, Inc.&#160; Currently, he is the owner of a small investment property management company.&#160; He attended Western Washington University and became a Chartered Property Casualty Underwriter.&#160; Mr. Nies is a past Board member of the
        Washington Independent Agents Association and past President of the National Agent Advisory Council for Safeco Insurance.&#160; He also served as one of the five Clark County Emergency Medical Services Administrative Board members, elected Council
        Member for the City of Battle Ground and Fire Chief for the City of Battle Ground.&#160; Mr. Nies&#8217; diverse career has afforded him expertise in managing financial and operational aspects of business, as well as customer relations.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-style: italic;">Patrick Sheaffer</font> joined Riverview Community Bank in 1963 and has served as Chairman of the Board of the Bank since 1993 and of Riverview since its inception in 1997.&#160; Effective April 2, 2018, Mr. Sheaffer retired as
        Chief Executive Officer of Riverview Community Bank, a position he had held since 1976, and as Chief Executive Officer of Riverview, a position he had held since Riverview&#8217;s inception in 1997.&#160; Mr. Sheaffer is active in numerous professional and
        civic organizations.&#160; Mr. Sheaffer&#8217;s career has given him expertise in all areas of banking.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-style: italic;">Bess R. Wills</font> is General Manager/Co-Owner of Gresham Ford in Gresham, Oregon and is responsible for all matters of the day-to-day operation.&#160; She has over 30 years of experience in fiscal and corporate administration
        and management of businesses, including having managed a group of auto dealerships in Southern California.&#160; She is active with many business and community organizations and has received statewide recognition for her work with local charities.&#160; She
        has been recognized as Woman Executive of the Year by the Portland Business Journal, as well as received numerous other awards in the Automotive Industry.&#160; Ms. Wills&#8217; career has given her strong leadership experience and knowledge of owning and
        operating a long-established business.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Bradley




          J. Carlson</font> is President and General Manager of Evergreen Memorial Gardens Cemetery, Funeral Chapel and Crematory, a position he has held since 1995.&#160; A graduate of Washington State University with a Bachelor of Arts in Communications and
        Advertising, Mr. Carlson spent over 10 years in the computer industry as a sales person and sales manager before joining the family business in 1987.&#160; He is a past Chair of the Board for the Association of Washington Business, which is a statewide
        business lobbying group with over 8,000 members.&#160; He is also past President of the Washington Cemetery, Cremation and Funeral Association, as well as serving for 11 years on the Washington State Funeral Directors, Embalmers and Cemetery Board as
        appointed by the Governor. Currently he is on the Boards of Directors of the Fort Vancouver National Trust, Legacy Salmon Creek Hospital Foundation, Identity Clark County and the Washington State University Foundation Board of Trustees.<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;</font> His expertise in community banking and finance, as well as his knowledge of, and business and personal contacts in the local market, make him a
        valuable resource to the Board.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">John
          A. Karas</font> is Chairman of the Board of Riverview Trust Company, a position he has held since 2001.&#160; He served as President and Chief Executive Officer of Riverview Trust Company from 1999 until his retirement in 2016, and has over 30 years
        of trust experience.&#160; Mr. Karas received his Bachelor of Arts degree from Willamette University and his Juris Doctor degree from Lewis &amp; Clark Law School&#8217;s Northwestern School of Law.&#160; He is a member of the Oregon, Multnomah County and American
        Bar Associations and is a Certified Trust and Financial Advisor. Mr. Karas is also active in numerous civic organizations.&#160; He is familiar with all phases of the trust business and his experience includes trust administration, trust legal counsel,
        investments and real estate.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Kevin




          J. Lycklama</font> was appointed as President and Chief Executive Officer of Riverview and Riverview Community Bank effective April 2, 2018.&#160; Prior to that, he served as Executive Vice President and Chief Operating Officer from July 27, 2017
        until April 2, 2018, Executive Vice President and Chief Financial Officer from February 2008 until July 2017 and Vice President and Controller from 2006 until 2008. Prior to joining Riverview, Mr. Lycklama was an audit manager for an Oregon CPA
        firm.&#160; He holds a Bachelor of Arts degree from Washington State University, is a graduate of the Pacific Coast Banking School and is a certified public accountant.&#160; Mr. Lycklama serves on the </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
  </div>
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    <div style="text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> 7<br>
      </font></div>
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    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Washington State University Vancouver Advisory Council.&#160; Mr. Lycklama&#8217;s career has given him a range of banking
        experience with particular emphasis on financial expertise.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Jerry




          C. Olson</font> is President and Chief Executive Officer of Olson Engineering, Inc.&#160; A graduate of Oregon State University with a Masters in Forest Engineering, Mr. Olson holds many professional designations including Professional Engineer and
        Professional Land Surveyor.&#160; He is actively involved in many regional and local organizations, including Responsible Growth Forum, North Country EMS, Association of Washington Business and the Clark College Business Advisory Council.&#160; In addition,
        Mr. Olson has been on the Board of the Columbia River Economic Development Council, Engineering and Surveying Licensing Board, The Building Industry of Clark County, the Commercial Real Estate Economic Coalition and is Chairman of the North County
        EMS District Board.&#160; Mr. Olson&#8217;s career has given him strong leadership experience and knowledge of owning and operating a long-established business.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">AND CORPORATE GOVERNANCE MATTERS</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Board of Directors</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Boards of Directors of Riverview and Riverview Community Bank conduct their business through
        Board and committee meetings.&#160; During the fiscal year ended March 31, 2019, the Riverview Board of Directors held 13 regular meetings and the Bank Board of Directors held 12 regular meetings.&#160; No director attended fewer than 75% of the total
        meetings of the Boards and committees on which he or she served during this period.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Committees and Committee Charters</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Riverview&#8217;s Board of Directors has a number of committees, including Executive, Audit, Stock Option,
        and Nominating and Governance Committees.&#160; Riverview Community Bank&#8217;s Board of Directors has standing Executive, Audit, Personnel/Compensation, Risk Management, Senior Loan, Nominating and Compliance Committees, as well as several other
        committees.&#160; Riverview&#8217;s Board of Directors does not have its own compensation committee because Riverview has no employees.&#160; Riverview&#8217;s Audit and Nominating and Governance Committees have adopted written charters, as has the Bank&#8217;s
        Personnel/Compensation Committee, copies of which are available on our website at www.riverviewbank.com.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Committees of the Riverview Board of Directors</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Executive Committee consists of Directors Sheaffer (Chairman), Carlson and Nies.&#160; This Committee
        meets as necessary in between meetings of the full Board of Directors.&#160; The Executive Committee met three times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee consists of Directors Olson (Chairman), Wills and Nies, and is responsible for
        developing and monitoring the audit program.&#160; It also has the sole authority to appoint or replace our independent registered public accounting firm.&#160; The Committee meets with the independent registered public accounting firm to discuss the results
        of the annual audit and quarterly procedures.&#160; The members of the Committee also receive and review all the reports, findings and other information presented to them by the officers regarding financial reporting policies and practices.&#160; Each member
        of the Audit Committee is &#8220;independent,&#8221; in accordance with the requirements for companies listed on The Nasdaq Stock Market LLC (&#8220;NASDAQ&#8221;).&#160;&#160; In addition, Mr. Olson has been designated by the Board of Directors as the &#8220;audit committee financial
        expert,&#8221; as defined by the SEC.&#160; The Audit Committee met five times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Stock Option Committee consists of Directors Nierenberg, (Chairman), Carlson and Olson, and is
        responsible for approving all stock option grants.&#160; The Committee did not meet during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Nominating and Governance Committee consists of Directors Nies (Chairman), Nierenberg and
        Carlson, and is responsible for selecting nominees for the election of directors and developing a list of nominees for Board </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 11.4pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> 8<br>
      </font></div>
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    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">vacancies.&#160; Each member of the Committee is &#8220;independent,&#8221; in accordance with the requirements for companies listed on
        NASDAQ.&#160; The Committee met four times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Only those nominations made by the Committee or properly presented by stockholders will be voted upon
        at the annual meeting.&#160; The Committee actively considers diversity in its recruitment and nomination of directors, and in its assessment of the effectiveness of the Board of Directors and its Committees.&#160; In its deliberations for selecting
        candidates for nominees as director, the Nominating and Governance Committee evaluates the qualifications of individual candidates, including identifying the beneficial impact a candidate will have on Riverview and the Board in terms of skill set,
        knowledge of the banking business, the candidate&#8217;s independence, communication skills, education, individual success in chosen fields, business development contributions, character, gender, expertise, experience and involvement in community,
        business and civic affairs.&#160; The Committee also considers whether the candidate would provide for adequate representation of the market area of Riverview Community Bank.&#160; Any nominee for director made by the Committee must be highly qualified with
        regard to some or all these attributes.&#160; In searching for qualified director candidates to fill vacancies in the Board, the Committee solicits its current Board of Directors for names of potentially qualified candidates.&#160; Additionally, the
        Committee may request that members of the Board of Directors pursue their own business contacts for the names of potentially qualified candidates.&#160; The Committee would then consider the potential pool of director candidates, select the candidate
        the Committee believes best meets the then-current needs of the Board, and conduct a thorough investigation of the proposed candidate&#8217;s background to ensure there is no past history that would cause the candidate not to be qualified to serve as a
        Riverview director.&#160; The Committee will consider director candidates recommended by our stockholders.&#160; If a stockholder submits a proposed nominee, the Committee would consider the proposed nominee, along with any other proposed nominees
        recommended by members of our Board of Directors, in the same manner in which the Committee would evaluate its nominees for director.&#160; For a description of the proper procedure for stockholder nominations, see &#8220;Stockholder Proposals and
        Nominations&#8221; in this Proxy Statement.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">As noted above, the Committee considers a number of criteria when selecting new members of the Board
        of Directors. Those criteria as well as professional background, industry expertise and differences of viewpoint are considered to provide for diversity on our Board of Directors. These diversity factors are considered when the Committee and Board
        are seeking to fill a vacancy or new seat on the Board.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Director Qualifications and Experience</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">As described in the previous paragraph, the Nominating and Governance Committee considers a number of
        criteria when selecting new members of the Board.&#160; The following table identifies the experience, qualifications, attributes and skills that the Committee considered in making its decision to nominate directors to our Board; however, the fact that
        a particular attribute was not considered should not be construed to be a determination that the director lacks such an attribute.</font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <table cellspacing="0" cellpadding="0" id="z3efd457b5caa406c94c8fb120b2c64b5" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 54.56%; vertical-align: top;">&#160;</td>
          <td style="width: 5.05%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Carlson</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Eby</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Karas</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Lycklama</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Nierenberg</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Nies</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Olson</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Sheaffer</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: bottom;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Wills</font></div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Experience, Qualification, Skill or Attribute</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Professional standing in chosen field</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Expertise in financial services or related industry</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
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          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Civic and community involvement</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Other public company experience</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Leadership and team building skills</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Diversity by race, gender or culture</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Specific skills/knowledge</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;Finance</font></div>
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          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;Marketing</font></div>
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          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
        </tr>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.5%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.03%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 54.56%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;Human resources</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 4.98%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 6.5%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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          <td style="width: 54.56%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;Governance</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 5.05%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">X</font></div>
          </td>
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    </table>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-weight: bold;"> <font style="font-weight: normal;">9</font><br>
      </font></div>
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    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Leadership Structure</font></div>
    <div style="line-height: 10.2pt;"><br style="line-height: 10.2pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The positions of Chairman of the Board and Chief Executive Officer are held by different people.&#160; In
        addition, Director Gerald L. Nies serves as Vice-Chairman of the Board and lead independent director.&#160; The lead independent director acts as the principal liaison between the independent directors of the Board and the Chairman of the Board.&#160; The
        lead independent director also leads the Board in the absence of the Chairman of the Board.&#160; The lead independent director is selected by the Nominating and Governance Committee.&#160; The Board believes the leadership structure is appropriate for
        Riverview because it capitalizes on the Chairman&#8217;s experience guiding Riverview, while allowing the Chief Executive Officer to focus on the day-to-day business of managing our operations.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Board Involvement in Risk Management Process</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Risk management is the responsibility of management and risk oversight is the responsibility of the
        Board.&#160; The Board administers its risk oversight function principally through the division of responsibility within its committee structure, with each board committee being responsible for overseeing risk within its area of responsibility.&#160; For
        example, our Risk Management Committee plays an important role overseeing our internal audit function and is responsible for reviewing significant reports prepared by the internal audit department.&#160; Significant risk oversight matters considered by
        the committees are reported to and considered by the Board.&#160; Some significant risk oversight matters are reported directly to the Board, including matters not falling within the area of responsibility of any committee.&#160; Types of risk with the
        potential to adversely affect Riverview include credit, interest rate, liquidity, compliance risks, and risks relating to our operations and reputation.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Directors keep themselves informed of the activities and condition of Riverview and of the risk
        environment in which it operates by regularly attending Board and assigned Board committee meetings, and by review of meeting materials, auditors&#8217; findings and recommendations, and supervisory communications.&#160; Directors stay abreast of general
        industry trends and any statutory and regulatory developments pertinent to Riverview and the Bank by periodic briefings by senior management, counsel, auditors or other consultants, and by more formal director education.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board oversees the conduct of Riverview&#8217;s business and administers the risk management function
        by:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div>
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            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">selecting, evaluating, and retaining competent senior management;</font></div>
            </td>
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    <div>
      <table cellspacing="0" cellpadding="0" id="zfc0c1d4898ef4068a5872922f695fc1f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">establishing, with senior management, Riverview&#8217;s long- and short-term business objectives, and adopting
                  operating policies to achieve these objectives in a legal and sound manner;</font></div>
            </td>
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      <table cellspacing="0" cellpadding="0" id="z1ce5fe32377d450fab52584489c319c2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">monitoring operations to ensure that they are controlled adequately and are in compliance with laws and
                  policies;</font></div>
            </td>
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    <div>
      <table cellspacing="0" cellpadding="0" id="zb7897e12eaca491fab21a07f86938883" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

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            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">overseeing Riverview&#8217;s business performance; and</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc14419bb3a4e4361b469daa6e3fb0980" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">ensuring that the Bank helps to meet our communities&#8217; credit needs.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">These responsibilities are governed by a complex framework of federal and state law and regulation as well as regulatory
        guidelines applicable to the operation of Riverview and the Bank.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board ensures that all significant risk-taking activities are covered by written policies that
        are communicated to appropriate employees.&#160; Specific policies cover material credit, market, liquidity, operational, legal and reputation risks.&#160; The policies are formulated to further Riverview&#8217;s business plan in a manner consistent with safe and
        sound practices.&#160; The Board ensures that all such policies are monitored by senior management to make certain that they conform with changes in laws and regulations, economic conditions, and Riverview&#8217;s and the Bank&#8217;s circumstances. The policies
        are implemented by senior management who develop and maintain procedures, including a system of internal controls, designed to foster sound practices, to comply with laws and regulations, and to protect Riverview against external crimes and
        internal fraud and abuse.&#160; To assist Riverview with respect to risk management, and to assist the Board and Board committees with respect to risk oversight, the Bank employs a Vice President, Audit and Risk Manager, who works to identify and assess
        risks in all areas of Riverview and the Bank.&#160; The Audit and Risk Manager reports to the Audit Committee, attends meetings of the Audit and Risk Management Committees on a regular basis, and attends Board and other committee meetings as needed.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Management regularly provides the Board and its various committees with a significant amount of
        information regarding a wide variety of matters affecting Riverview.&#160; This includes senior management reports to the Board.&#160; These </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 11.4pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> 10<br>
      </font></div>
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    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">reports present information in a form meaningful to members of the Board, who recognize that the level of detail and
        frequency of individual senior management reports will vary with the nature of risk under consideration and Riverview&#8217;s and the Bank&#8217;s unique circumstances.&#160; Matters presented to the Board and Board committees generally include information with
        respect to risk.&#160; The Board and Board committees consider the risk aspects of such information and often request additional information with respect to issues that may involve risk to Riverview.&#160; The Board and Board committees also raise risk
        issues on their own initiative.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board has established a mechanism for independent third party review and testing of compliance
        with policies and procedures, applicable laws and regulations, and the accuracy of information provided by senior management.&#160; This is accomplished, for example, by an internal auditor reporting directly to the Audit Committee.&#160; In addition, an
        external audit is performed.&#160; The Audit Committee reviews the auditors&#8217; findings with senior management and monitors senior management&#8217;s efforts to resolve any identified issues and recommendations.&#160; The Audit Committee provides regular reports of
        its activities to the Board.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board also reviews reports of inspection and examination or other supervisory activity, and any
        other material correspondence received from Riverview&#8217;s regulators.&#160; Findings and recommendations, if any, are carefully reviewed, and progress in addressing such matters is routinely monitored.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Committees of the Riverview Community Bank Board of Directors</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Executive Committee, which consists of Directors Sheaffer (Chairman), Carlson and Nies, meets as
        necessary in between meetings of the full Board of Directors.&#160; This Committee met three times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee consists of Directors Olson (Chairman), Wills and Nies and is responsible for
        developing and monitoring the audit program.&#160; The Committee meets with the independent registered public accounting firm to discuss the results of the annual audit and quarterly procedures.&#160; The members of the Committee also receive and review all
        the reports, findings and other information presented to them by the officers regarding financial reporting policies and practices.&#160; The Audit Committee met five times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Personnel/Compensation Committee consists of Directors Wills (Chairman), Carlson, Nierenberg and
        Olson.&#160; The Committee has overall responsibility for: (1) approving and evaluating the compensation programs and policies for Riverview&#8217;s executive officers, which are designed to attract, motivate and retain key individuals responsible for the
        success of Riverview as a whole; (2) administering and maintaining such programs in a manner that will benefit the long-term interests of Riverview and its stockholders; (3) approving the salary, bonus, stock equity-based and other compensation of
        Riverview&#8217;s executive officers; and (4) periodically reviewing management development activities and succession plans.&#160; Each member of the Personnel/Compensation Committee is &#8220;independent,&#8221; in accordance with the requirements for companies listed
        on NASDAQ.&#160; The Personnel/Compensation Committee met five times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Risk Management Committee consists of all directors, with Director Olson as Chairman.&#160; The Bank&#8217;s
        Risk Manager also sits on the Committee but does not vote on matters presented to the Committee.&#160; This Committee is responsible for directing and monitoring the internal audit and compliance programs.&#160; The Risk Management Committee did not meet
        during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Senior Loan Committee consists of Directors Sheaffer, Karas and Nies, and is chaired by Executive
        Vice President Daniel Cox, who does not vote on matters presented to the Committee.&#160; If Mr. Sheaffer is unable to attend a meeting, Mr. Lycklama acts in his absence.&#160; The Committee reviews and approves all aggregate lending relationships over $5
        million.&#160; The Senior Loan Committee met 25 times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Nominating and Governance Committee consists of Directors Nies (Chairman), Nierenberg and
        Carlson, and is responsible for selecting nominees for the election of directors and developing a list of nominees for Board vacancies.&#160; The Committee met four times during the fiscal year ended March 31, 2019.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">11<br style="line-height: 11.4pt;">
    </div>
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    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Corporate Governance</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We are committed to establishing and maintaining high standards of corporate governance.&#160; The Board
        of Directors is cognizant of its responsibility to comply with the provisions contained in the Sarbanes-Oxley Act of 2002 and the rules and regulations of the SEC adopted thereunder, as well as NASDAQ rules with respect to corporate governance.&#160;
        The Board and its committees will continue to evaluate and improve our corporate governance principles and policies as necessary and as required.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Code
          of Conduct.</font>&#160; On January 23, 2019, the Board of Directors revised the Officer and Director Code of Conduct, Conflict of Interest and Whistleblower Policy that had originally been adopted on December 17, 2003.&#160; The Code is applicable to each
        of Riverview&#8217;s directors and officers, including the principal executive officer and senior financial officers, and requires individuals to maintain the highest standards of professional conduct.&#160; A copy of the Code of Conduct, Conflict of Interest
        and Whistleblower Policy is available on our website at www.riverviewbank.com.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Communication




          with the Board of Directors.</font>&#160; The Board of Directors maintains a process for stockholders to communicate with the Board.&#160; Stockholders wishing to communicate with the Board should send any communication to the Corporate Secretary,
        Riverview Bancorp, Inc., 900 Washington Street, Suite 900, Vancouver, Washington 98660.&#160; Any communication must state the number of shares beneficially owned by the stockholder making the communication.&#160; The Corporate Secretary will forward such
        communication to the full Board of Directors or to any individual director or directors to whom the communication is directed unless the communication is unduly hostile, threatening, illegal or similarly inappropriate, in which case the Corporate
        Secretary has the authority to discard the communication or take appropriate legal action.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Annual




          Meeting Attendance by Directors.</font>&#160; We do not have a policy regarding Board member attendance at annual meetings of stockholders.&#160; All members of the Board of Directors attended the 2018 annual meeting of stockholders, with the exception of
        Mr. Nierenberg.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Related




          Party Transactions.</font>&#160; Federal regulations require that all loans or extensions of credit to executive officers and directors must be made on substantially the same terms, including interest rates and collateral, as those prevailing at the
        time for comparable transactions with other persons (unless the loan or extension of credit is made under a benefit program generally available to all other employees and does not give preference to any insider over any other employee) and does not
        involve more than the normal risk of repayment or present other unfavorable features.&#160; Riverview Community Bank is therefore prohibited from making any new loans or extensions of credit to its executive officers and directors at different rates or
        terms than those offered to the general public and has adopted a policy to this effect.&#160; The aggregate amount of loans by the Bank to its executive officers and directors was approximately $778,000 at March 31, 2019.&#160; These loans (i) were made in
        the ordinary course of business, (ii) were made on substantially the same terms and conditions, including interest rates and collateral, as those prevailing at the time for comparable transactions with the Bank&#8217;s other customers and (iii) did not
        involve more than the normal risk of collectibility or present other unfavorable features when made.&#160; All loans are made pursuant to the Bank&#8217;s normal loan approval and review procedures, which are governed by written policies.&#160; In addition, all
        loans and aggregate loans to individual directors and executive officers are required to be reviewed by the Executive Committee and reported to the Board.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Director




          Independence.</font>&#160; Our common stock is listed on the NASDAQ Global Select Market.&#160; In accordance with NASDAQ requirements, at least a majority of our directors must be independent directors.&#160; The Board has determined that six of our nine
        current directors are independent, as defined by NASDAQ.&#160; Directors Carlson, Eby, Nierenberg, Nies, Olson and Wills are all independent.&#160; Directors Sheaffer, Lycklama and Karas are each either an officer or a former officer and are not independent.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">DIRECTORS&#8217; COMPENSATION</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The following table shows the compensation paid to our directors for the fiscal year ended March&#160;31,
        2019, with the exception of Kevin J. Lycklama, who is our President and Chief Executive Officer and whose compensation is included in the section entitled &#8220;Executive Compensation.&#8221;&#160; Our directors did not receive any option awards, stock </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">12<br>
      </font><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"></font></div>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="page-break-after: always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">awards or non-equity incentive plan compensation, nor did they participate in a
      pension or nonqualified deferred compensation plan; therefore, these columns have been omitted from the table below.</font>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="zee552d6301ea4103bcb1f461def375bf" style="width: 90%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">

        <tr>
          <td style="width: 28.57%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Name</font><font style="line-height: 10.25pt;"> <br>
              </font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Fees Earned or</font></div>
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Paid in Cash ($)</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">All Other </font></div>
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Compensation ($)</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Total ($)</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patrick Sheaffer</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33,000</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;139,726 (1)</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">172,726</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Jerry C. Olson</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">36,600</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;36,600</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Gerald L. Nies</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">42,500</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;42,500</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bess R. Wills</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37,500</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;37,500</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bradley Carlson</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">38,700</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;38,700</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">David Nierenberg</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">35,400</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;35,400</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">John A. Karas</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">43,200</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;43,200</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28.57%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Patricia W. Eby (2)</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 23.81%; vertical-align: bottom; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
        </tr>

    </table>
    <div><br style="line-height: 6.85pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="za3d86f8e2fa248e7b245a9b2cba67aaa" style="width: 90%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">

        <tr>
          <td style="width: 4.76%; vertical-align: top;" rowspan="1" colspan="2"><font style="font-size: 8pt;">___________&#160; </font><br>
          </td>
        </tr>
        <tr>
          <td style="width: 4.76%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></div>
          </td>
          <td style="width: 95.24%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Mr. Sheaffer is a non-executive employee of Riverview; includes salary of $116,689, ESOP contributions of
                $3,504, 401(k) contributions of $9,341, life insurance premiums of $1,792 and company car allowance of $8,400.</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.76%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></div>
          </td>
          <td style="width: 95.24%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Director Eby was appointed to the Board effective April 24, 2019.</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Directors receive an annual retainer of $20,000 and a fee of $1,000 for each Board meeting attended.&#160;
        Outside directors also receive $300 for each committee meeting or work session attended and $750 each quarter for serving as a director on the Riverview Trust Company Board.&#160; The Nominating and Governance Committee recommends to the Board of
        Directors the amount of fees paid for service on the Board.&#160; During the fiscal year ended March 31, 2019, the Committee recommended increasing the annual retainer from $6,000 to $20,000 and paying an annual retainer for the following Board
        positions: Chairman of the Board, $10,000; Vice-Chair of the Board, $5,000; Audit Committee Chair, $3,000; and Nominating /Governance Chair, $2,000.&#160; These recommendations were approved by the Board of Directors.</font></div>
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        serif; font-weight: bold;">EXECUTIVE COMPENSATION</font>
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    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Compensation Discussion and Analysis</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">In this section, we discuss our our executive compensation philosophy and programs.&#160; Because
        Riverview does not have its own employees, the Personnel/Compensation Committee of Riverview Community Bank is responsible for establishing and monitoring compensation policies, and for evaluating performance and approving and evaluating
        compensation programs.&#160; The Committee is responsible for evaluating the performance of our Chief Executive Officer, while the Chief Executive Officer evaluates the performance of other senior officers of the Bank and makes recommendations to the
        Committee regarding compensation levels.</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Fiscal




          Year 2019 Corporate Highlights</font>.&#160; Fiscal year 2019 was a year of strong earnings and growth for Riverview.&#160; Riverview continues to be the largest community bank headquartered in the Portland/Vancouver metropolitan market.&#160; For the year
        ended March 31, 2019, Riverview reported net income of $17.3 million, or $0.76 per diluted share.&#160; Management achieved success on several key initiatives during the year, which included a focus on expense management, continued expansion in the
        Portland/Vancouver market and maintaining strong asset quality.</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Highlights for fiscal year 2019 include:</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Loan growth of $64.7 million, or 8.0%;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$13.9 million, or 3.3%, growth in average core deposits;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Pre-tax income increased $4.4 million, or 24.5%, compared to prior year;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Return on assets increased to 1.51%;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Net interest income increased $3.7 million, or 8.7%, compared to prior
          year;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Total cost of deposits decreased to 0.10%;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Non-performing assets decreased to 0.13% of total assets compared to
          0.24% in prior year;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Improved efficiency ratio to 61.38% from 66.43%;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
        </font></font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">13<br>
      </font></div>
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
        </font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
        width: 36pt">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Dividends to stockholders increased from $0.105 per share to $0.15 per
          share;</font></font><br>
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Regulatory capital ratios remained strong with Tier 1 Leverage Capital ratio to 11.56% and Total Risk Based Capital ratio of 16.88% at year end; and</font></font></font></font></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">
      <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">
        <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;">
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            <div style="line-height: 11.4pt; padding: 3px 0px 0px; text-align: justify; text-indent: 36pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> &#8226;</font><font style="display: inline-block; text-indent: 0px;
                font-size: 1px; width: 36pt;"> </font><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Over the past five years, Riverview&#8217;s stock has outperformed the S&amp;P 500 and SNL Thrift Index ($1B - $5B).</font></div>
          </div>
        </div>
        <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> </font></font></div>
      <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> </font></font></div>
    <br>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Objectives




          and Overview of the Compensation Program.</font>&#160; Our executive compensation policies are designed to establish an appropriate relationship between executive pay and the annual and long-term performance of Riverview and Riverview Community Bank,
        to reflect the attainment of short- and long-term financial performance goals, to enhance our ability to attract and retain qualified executive officers, and to align to the greatest extent possible the interests of management and stockholders.&#160;
        The principles underlying the executive compensation policies include the following:</font></div>
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              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">to attract and retain key executives who are vital to our long-term success and are of the highest caliber;</font></div>
            </td>
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              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">to provide levels of compensation competitive with those offered throughout the financial industry and
                  consistent with our level of performance;</font></div>
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              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">to motivate executives to enhance long-term stockholder value by building their equity interest in Riverview;
                  and</font></div>
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    </div>
    <div>
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              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">to integrate the compensation program with our annual and long-term strategic planning and performance
                  measurement processes.</font></div>
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      </table>
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Committee considers a variety of subjective and objective factors in determining the compensation
        package for individual executives, including: (1) total compensation of executives at similarly situated financial institutions; (2) the performance of Riverview and Riverview Community Bank as a whole, with emphasis on annual performance factors
        and long-term objectives; (3) the responsibilities assigned to each executive; (4) the performance of each executive of assigned responsibilities as measured by our progress during the year; (5) potential for future advancement; and (6) length of
        time in the position.</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Compensation




          Consultant.</font>&#160; The Personnel/Compensation Committee, from time-to-time as deemed appropriate, has engaged the services of Pearl Meyer &amp; Partners (&#8220;Pearl Meyer&#8221;), an independent compensation consulting firm. In 2017, Pearl Meyer was
        engaged to review our executive compensation structure, review our incentive compensation plans and assist in developing a long-term equity incentive strategy.&#160; The work has been completed and the Committee incorporated Pearl Meyer&#8217;s
        recommendations into the incentive compensation and long-term incentive plans for the fiscal year ending March 31, 2019.&#160; Pearl Meyer does not perform any services for Riverview other than those directed by the Committee.&#160; After the Committee&#8217;s
        review of applicable rules for independence, the Committee determined that there are no known conflicts of interest between Pearl Meyer and its affiliates and Riverview and its affiliates.&#160; Pearl Meyer reports directly to the Committee.</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Compensation




          Program Elements.</font>&#160; The Personnel/Compensation Committee focuses primarily on the following four components in forming the total compensation program for our executive officers: base salary; incentive compensation; deferred compensation;
        and long-term incentive compensation.&#160; The current compensation plans involve a combination of salary and incentive compensation to reward short-term performance, and deferred compensation and stock option grants to reward long-term performance.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;
          font-style: italic;">Base Salary</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">.</font>&#160; The purpose of base salary is to create a secure base of cash compensation for our employees. Salary
        levels are designed to be competitive within the banking and financial services industries.&#160; In setting competitive salary levels, the Personnel/Compensation Committee regularly evaluates current salary levels by surveying similar institutions in
        Washington, Oregon and the Western Region of the United States.&#160; The survey analysis focuses primarily on asset size, nature of ownership, type of operation and other common factors.&#160; Specifically, the Committee reviews a peer group comprised of 22
        similarly-sized regional banks ranging in asset size from $700 million to $2.5 billion.&#160; In addition, the Committee annually reviews the Northwest Financial Industry Salary Survey prepared by Milliman, Inc.</font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">14<br>
      </font></div>
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    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(&#8220;Milliman&#8221;) in association with the Washington Bankers Association and the Oregon Bankers Association, covering 108
        Northwest financial organizations, and the Portland Area Cross-Industry Survey prepared by Milliman, which covers 85 major local employers.&#160; We analyze the results of the surveys by position, and the midpoint of each position/grade, as it compares
        to Riverview Community Bank.&#160; Midpoints of each grade for Riverview are compared to midpoints of survey data to determine if grade adjustments are necessary to remain competitive.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;
          font-style: italic;">Incentive Compensation Program</font><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">.</font>&#160; We believe it is appropriate to provide individuals who are responsible for
        managing existing business and/or generating new business with competitive incentive compensation opportunities.&#160; Our incentive compensation plan is designed to provide for incentive compensation with established targets of up to 40% of salary for
        the Chief Executive Officer, 30% of salary for executive vice presidents and 15% to 30% of salary for senior management.&#160; Certain other officers may participate in the plan at a level of 10% to 30% of salary.&#160; By rewarding the attainment of goals,
        we truly utilize incentive for actual individual and corporate performance, and are competitive in the marketplace.&#160; We may utilize the services of compensation consultants, as needed, to remain fair and competitive in the future.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Personnel/Compensation Committee reviews and approves goals and incentive participation each
        year.&#160; Individual participant goals and performance modifier targets are communicated to participants in writing in the first quarter of the fiscal year to which the goals apply.&#160; Goals are measured against performance after the end of the fiscal
        year.&#160; Results are communicated the month following year-end for each participant.&#160; The performance modifier ranges from zero to a maximum of two times the salary at risk percentage.&#160; In making awards under the incentive compensation plan, the
        Personnel/Compensation Committee and Chief Executive Officer or executive officers, as appropriate, review quantifiable data versus a plan approved by the Board.&#160; The plan also provides for subjective evaluation of performance by the Committee and
        Chief Executive Officer or executive officers, as appropriate.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Currently, performance measures include financial objectives such as profitability, efficiency,
        financial margin and loan growth.&#160; Participant salaries are recorded, with specific goals tied to Riverview&#8217;s goals for the year, and a percentage of compensation is noted as a target award opportunity.&#160; For example, if the Chief Executive
        Officer&#8217;s salary is $235,937 per year with a 30% target award opportunity, the opportunity for incentive compensation is $70,781 if goals are met at 100%.&#160; The target award opportunity is divided into several goals based on Riverview&#8217;s annual
        goals.&#160; A performance modifier is used to determine the percentage of the goal met.&#160; A goal partially met at 88% with a weight factor of 25% would look like this:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$235,937 x 30% target award opportunity = $70,781</font></div>
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            <div style="line-height: 11.4pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-style: italic;">Goal Weight</font><font style="line-height: 11.4pt;"> <br>
              </font></div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 33.33%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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    </table>
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    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
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        <tr>
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        <tr>
          <td style="width: 22.73%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 18.18%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 59.09%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 22.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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        <tr>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
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        <tr>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Loan growth</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Increase loans receivable to $876 million</font></div>
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        </tr>

    </table>
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    </div>
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    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
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        <tr>
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          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <td style="width: 22.73%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 18.18%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 59.09%; vertical-align: top;">&#160;</td>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$800,000</font></div>
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        </tr>
        <tr>
          <td style="width: 22.73%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">New managed assets</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 18.18%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33%</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 59.09%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Increase new managed assets by $42 million</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.73%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Oregon Growth</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 18.18%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">33%</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 59.09%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Increase new relationships by 20</font></div>
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        </tr>

    </table>
    <div style="text-align: left; line-height: 11.4pt;"><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size:
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    <div style="text-align: center; line-height: 11.4pt;"><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt;"><font style="font-size: 10pt;">15</font><br>
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    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
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    <div style="text-align: justify; line-height: 11.4pt;"><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt;"></font><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Incentive compensation is only awarded if Riverview achieves a minimum level of performance (measured by net income), regardless of whether other individual
          performance goals were achieved.&#160; For 2019, the minimum level of achievement was net income of at least $10 million, which Riverview achieved.&#160; Additionally, incentive compensation is limited to no more than 20% of net income.</font></font></div>
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    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;
          font-style: italic;"> <br>
        </font></font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold; font-style: italic;">Deferred Compensation.</font>&#160; Officers at the level of senior vice president and above may elect to defer up to 50% of salary, with no income tax payable by the officer until benefits are received.&#160; This
        alternative is available through the non-qualified deferred compensation plan described below in the section entitled &#8220;Nonqualified Deferred Compensation.&#8221;</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold; font-style: italic;">Long Term Incentive Compensation.</font>&#160; We believe that performance-based pay opportunities and equity awards motivate high levels of performance, align the interests of the directors and officers with
        those of our stockholders and effectively recognize director and officer contributions to Riverview&#8217;s success. On July 26, 2017, our shareholders approved the 2017 Equity Incentive Plan. This plan provides for the award of stock options, restricted
        stock and restricted stock units. The 2017 Equity Incentive Plan is intended to provide us flexibility in our ability to motivate, recruit and retain the highly qualified officers and other key personnel who help Riverview meet its goals, as well
        as reward and encourage current directors and employees. Awards are allocated based upon regulatory practices and policies, and the practices of other publicly-traded financial institutions as verified by external surveys.&#160; Awards are based upon
        the executive officers&#8217; level of responsibility and expected contributions to Riverview and Riverview Community Bank.&#160; These factors differ from year to year, but are fundamentally driven by the Committee&#8217;s view on what is necessary to most
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">In connection with the 2017 Equity Incentive Plan, on April 18, 2018 the Committee
        established the 2018 Long-Term Incentive Plan, under which the Committee determined to grant both time-based and performance-based awards to each of the named executive officers.&#160; The time-based awards vest ratably over a three-year period. Awards
        of performance-based restricted stock (&#8220;performance shares&#8221;) are contingent on attaining pre-established performance goals. The Committee reviews and approves goals in consultation with management. The Committee established threshold, target and
        stretch performance levels and associated payouts. At the end of the performance period, resulting payouts are determined based on Riverview&#8217;s performance relative to the performance goals.&#160; We anticipate that awards for the fiscal year ended March
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Stock ownership is also enhanced through participation in our ESOP, under which eligible
        employees receive an allocation of Riverview stock based on a percentage of eligible wages.&#160; The Board of Directors has appointed an administrative committee of Riverview officers to administer the ESOP and the 401(k) Plan, and the named executive
        officers are eligible to participate in both of these plans. On an annual basis, Riverview allocates shares to the ESOP, which applies to all eligible participants including the named executive officers. In fiscal year 2019, Riverview contributed
        24,633 shares into the ESOP on behalf of eligible participants, and matched 100% of the first three percent and 50% of the next two percent of participants&#8217; contributions into the 401(k) Plan each payroll period.</font></div>
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold;">Allocation of Compensation.</font>&#160; We do not have any specific policies regarding allocation of total compensation between short-term and long-term elements, or cash and non-cash elements. For the year ended March 31, 2019,
        the composition of total compensation for our named executive officers was as follows:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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        <tr>
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            <div style="line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Type of Compensation</font><font style="line-height: 10.25pt;"> <br>
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        <tr>
          <td style="width: 64.71%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Base salary</font></div>
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        </tr>
        <tr>
          <td style="width: 64.71%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Incentive compensation</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 35.29%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">30.8</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 64.71%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Long-term incentive and other compensation</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 35.29%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;7.2</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Results
          of Stockholder Vote on Executive Compensation.</font>&#160; We are required to periodically permit stockholders to vote to approve executive compensation, commonly known as a say-on-pay proposal.&#160; At last year&#8217;s annual meeting of stockholders, the
        resolution was approved by over 96% of the shares present for purposes of voting on executive compensation.&#160; The Board and the compensation committee considered the affirmative vote of the stockholders on the say-on-pay resolution at last year&#8217;s
        annual meeting as additional confirmation that our existing compensation practices were reasonable and aligned with the interests of our stockholders.</font></div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 11.4pt; text-align: center;">16<font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><br>
      </font></div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Personnel/Compensation Committee Report</font></div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Personnel/Compensation Committee of Riverview Community Bank&#8217;s Board of Directors has submitted the
        following report for inclusion in this Proxy Statement:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We have reviewed and discussed the Compensation Discussion and Analysis contained in this Proxy
        Statement with management.&#160; Based on the Committee&#8217;s review of and the discussion with management with respect to the Compensation Discussion and Analysis, we recommended to the Board of Directors that the Compensation Discussion and Analysis be
        included in this Proxy Statement.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The foregoing report is provided by the following directors, who constitute the Personnel/Compensation
        Committee:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 0pt; margin-left: 180pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Personnel/Compensation Committee</font></div>
    <div style="line-height: 6.85pt;"><br style="line-height: 6.85pt;">
    </div>
    <div style="text-align: left; text-indent: 0pt; margin-left: 180pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bess R. Wills, Chairman</font><br>
      <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bradley J. Carlson</font></div>
    <div style="text-align: left; text-indent: 0pt; margin-left: 180pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Jerry C. Olson</font></div>
    <div style="text-align: left; text-indent: 180pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">David Nierenberg</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">This report shall not be deemed to be incorporated by reference by any general statement incorporating
        by reference this proxy statement into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, and shall not otherwise be deemed filed under such acts.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Compensation Policies and Risk</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Riverview develops and implements compensation plans that provide strategic direction to each
        participant and engages him or her in Riverview&#8217;s success, which contributes to stockholder value.&#160; We believe our approach to goal setting, establishing targets with payouts at multiple levels of performance and evaluation of performance results
        help to mitigate excessive risk taking that could harm Riverview&#8217;s value or reward poor judgment by our executives or employees. Performance incentive rewards for all plans will continue to be focused on results that impact earnings, profitability,
        credit quality, loan growth and capital adequacy.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">All members of the Compensation Committee are aware of Riverview&#8217;s financial performance and
        they use this information when reviewing and approving incentive programs and payouts to all employees and approving participation and goals for incentive programs. The Compensation Committee reviewed the incentive compensation plans and concluded
        that the compensation plans do not encourage unnecessary or excessive risk and that management and the Board have effective controls in place utilizing outside auditors, internal auditors and Board oversight to ensure adequate controls are in place
        to mitigate risk within Riverview.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">17<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Summary Compensation Table</font></div>
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">The following table shows information regarding compensation earned by our named executive
        officers: (1)&#160;Kevin&#160;J. Lycklama, our principal executive officer; (2) David Lam, our principal financial officer; and (3) our three next most highly compensated executive officers, who are Christopher P. Cline, Kim J. Capeloto and Daniel D. Cox.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
            <div style="line-height: 10.25pt;"><font style="line-height: 10.25pt;">&#160;</font></div>
            <div style="line-height: 10.25pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-style: italic;">Year</font><font style="line-height: 10.25pt;"> <br>
              </font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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              </font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Non-Equity </font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">($)(2)</font></div>
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Total ($)</font></div>
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        <tr>
          <td style="width: 26%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom;">&#160;</td>
          <td style="width: 1%; vertical-align: bottom;" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kevin J. Lycklama</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2019</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">326,143</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">240,374</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;--</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">60,851</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">627,368</font></div>
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        </tr>
        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">President and Chief</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2018</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">266,375</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">163,791</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,675</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">452,841</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;Executive Officer</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2017</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">214,272</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 6.73%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 8%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 9%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 10%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
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          <td style="width: 8%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kim J. Capeloto</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2019</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">257,331</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">110,368</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,766</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">390,466</font></div>
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        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Executive Vice President and</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2018</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">240,663</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">149,032</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;--</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">23,879</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">413,574</font></div>
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        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;Chief Banking Officer</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2017</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">201,000</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">101,525</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;--</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,714</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">324,239</font></div>
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        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(255, 255, 255);">&#160;</td>
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        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Daniel D. Cox (4)</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2019</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">199,720</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">109,601</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;--</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,166</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">330,487</font></div>
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        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Executive Vice President and</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2018</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">178,146</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;89,122</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;--</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,088</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">288,356</font></div>
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        </tr>
        <tr>
          <td style="width: 26%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;Chief Credit Officer</font></div>
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          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 6.73%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 8%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 9%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 1%; vertical-align: bottom; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 10%; vertical-align: bottom; background-color: rgb(204, 238, 255);">&#160;</td>
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    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div><br style="line-height: 0.1pt;">
    </div>
    <div><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 10pt;">_____________<br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="z88a6a7d6b5f549388cb22347aa5466a2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(1)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
            <div style="text-align: justify; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Consists of above-market earnings on balances in the nonqualified deferred compensation plan; calculated based
                on the earnings adjustment in excess of 120 percent of the applicable federal long-term rate in effect on January 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> of each year.</font></div>
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        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(2)</font></div>
          </td>
          <td style="width: 96.15%; vertical-align: top;">
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        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(3)</font></div>
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            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Represents a hiring bonus.</font></div>
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        </tr>
        <tr>
          <td style="width: 3.85%; vertical-align: top;">
            <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">(4)</font></div>
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          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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            <div style="line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Name</font><font style="line-height: 10.25pt;"> <br>
              </font></div>
          </td>
          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">($)</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Life </font></div>
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Insurance </font></div>
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Premium ($)</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Allowance ($)</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Board Fees </font></div>
            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">($)</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
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          <td style="width: 1%; vertical-align: bottom; padding-bottom: 2px;" colspan="1">&#160;</td>
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            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kevin J. Lycklama</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,504</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,907</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;540</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">8,400</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">37,500</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">60,851</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Christopher P. Cline</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,504</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;6,880</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,322</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,000</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">18,706</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">David Lam</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,252</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,450</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;540</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,000</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">20,242</font></div>
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        </tr>
        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kim J. Capeloto</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,504</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">10,940</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">2,322</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,000</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">22,766</font></div>
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        <tr>
          <td style="width: 28%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Daniel D. Cox</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">3,504</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">11,122</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;540</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">6,000</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">21,166</font></div>
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    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold;">Employment and Change in Control Agreements.</font>&#160; We have entered into employment and change in control agreements with each of the named executive officers.&#160; The agreements expire on December 31, 2019 and are subject to
        annual renewal provisions, with the exception of Mr. Cline, whose agreement expires on September 30, 2019 and is subject to a three-year renewal provision.&#160; For the year ending March&#160;31, 2020, the annual salaries of Messrs. Lycklama, Cline, Lam,
        Capeloto and Cox are $340,000, $281,140, $188,202, $257,221 and $205,313, respectively.&#160; The salaries, </font></div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> <br>
      </font></div>
    <div style="line-height: 11.4pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> 18<br>
      </font></div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">which are paid by Riverview Community Bank, must be reviewed annually and may be increased at the discretion of
        the Board.&#160; The employment agreements also provide that the executives will participate in our salary at risk incentive compensation program and receive all benefits that we provide to our employees generally.&#160; The employment agreements provide
        that compensation must be paid in the event of disability, termination without cause or termination by the executive for specified reasons. The change in control agreements provide that compensation must be paid in connection with a termination in
        the event of a change in control.&#160; These termination payments are described below under &#8220;Potential Payments Upon Termination.&#8221;</font></div>
    <div style="line-height: 11.4pt; text-align: justify;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"> <br>
      </font></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-weight: bold;">Grants of Plan-Based Awards</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">The following table shows information regarding grants of plan-based awards made to our named
        executive officers for the fiscal year ended March 31, 2019.&#160; We did not grant any equity awards; therefore, these columns have been omitted from the table below.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="zd198e98b67084399bd630d9fb96e4b98" style="width: 90%; font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt;">

        <tr>
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            <div style="line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Name</font><font style="line-height: 10.25pt;"> <br>
              </font></div>
          </td>
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          <td style="width: 22.22%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="5">
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            <div style="text-align: center; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Non-Equity Incentive Plan Awards (1)</font></div>
          </td>
        </tr>
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          <td style="width: 22.22%; vertical-align: top;">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Kevin J. Lycklama</font></div>
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          <td style="width: 10%; vertical-align: top;">&#160;</td>
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          <td style="width: 14%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top;">&#160;</td>
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          <td style="width: 14%; vertical-align: top;">&#160;</td>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
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        <tr>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Daniel D. Cox</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
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            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">--</font></div>
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    <div>____________<br style="line-height: 6.85pt;">
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    <div style="text-align: center; line-height: 10.25pt;">
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        </table>
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">We currently offer a deferred compensation plan.&#160; Under the plan, officers at the level of
        senior vice president and above may elect to defer up to 50% of salary until the time specified by the officer (or upon separation from service or a change in control, if elected by the officer), with no income tax payable by the officer until
        benefits are received under the deferred compensation plan adopted by Riverview Community Bank.&#160; Once a deferral election is made for a year, it cannot be changed during that year except under limited circumstances, such as hardship or disability.&#160;
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Under the plan, upon the time specified by the officer, or upon an earlier separation from
        service or a change in control, if elected by the officer when he commences participation in the plan, we will pay the officer or his designated beneficiaries his plan benefit in a lump sum or in annual installments over ten years, as elected by
        the officer.&#160; The payment election was made at the same time the officer makes his compensation deferral election.&#160; The payment election may be changed only if the change election is made sufficiently in advance, generally at least 12 months, and
        payments are delayed for at least five years.&#160; The payment will be based on an amount equal to the balance in the officer&#8217;s account immediately before the date on which benefits commence, plus interest, as measured above, on the unpaid balance if
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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    <div style="line-height: 11.4pt; text-align: center;">20<br style="line-height: 11.4pt;">
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    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">We have entered into agreements with the named executive officers that provide for potential
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          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: top;">&#160;</td>
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          <td style="width: 11%; vertical-align: top;">&#160;</td>
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          <td style="width: 11%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Employment Agreement</font></div>
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        <tr>
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          <td style="width: 27.88%; vertical-align: top; background-color: rgb(204, 238, 255);">
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          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">&#160;</td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 11%; vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">&#160;</td>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Employment Agreement</font></div>
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            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Change in Control Agreement</font></div>
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            <div style="line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">845,645</font></div>
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          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold;">Employment Agreements.</font>&#160; We have entered into employment agreements with each of the named executive officers.&#160; Each agreement provides for payments to the executive upon his disability or termination.&#160; If the executive
        becomes disabled during the term of his employment agreement, his employment will terminate.&#160; Riverview Community Bank must then pay the executive a lump sum payment equal to four months of base salary on the effective date of the termination. In
        addition, the Bank must provide continued coverage or pay a cash amount equal to the premiums that the Bank would have paid on the executive&#8217;s behalf for life, medical, dental and disability coverage.&#160; The disability payments will end on the
        earlier of: (1) the date of the executive&#8217;s full-time employment by another employer; (2) the executive&#8217;s death; or (3) 12 months.</font></div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">The employment agreements also provide for benefits in the event of the executive&#8217;s
        termination.&#160; If the executive&#8217;s employment is terminated for any reason other than a change in control or cause, or the executive terminates his employment for good reason (as defined in the agreement), the Bank must pay the executive a severance
        benefit in an aggregate amount equal to the sum of the following: (1) 12 months of executive&#8217;s base salary (18 months for Mr. Cline); (2) cash amount equal to the premiums that the Bank would have paid on the executive&#8217;s behalf for life, medical
        and disability coverage for 12 months (18 months for Mr. Cline); and (3) any bonus earned for a prior performance period but not yet paid.&#160; In addition, Mr. Cline&#8217;s employment agreement provides a severance benefit equal to the prorated incentive
        compensation for the fiscal year in which the termination occurs based on performance through the month ended before the date of termination.&#160; The employment agreements restrict each executive&#8217;s right to compete against Riverview or Riverview
        Community Bank for a one-year period following termination of employment.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">21<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold;">Change in Control Agreements.</font>&#160; We have entered into change in control agreements with each of the named executive officers that provide for severance payments and other benefits in the event of certain terminations of
        employment in connection with a change in control of Riverview.&#160; If within 24 months after a change in control, the executive&#8217;s employment is terminated other than for cause, or the executive terminates his employment for good reason, Riverview
        must pay a lump sum severance payment of the following: (1) 30 months of executive&#8217;s base salary and target annual incentive compensation (36 months for Mr. Lycklama and 36 months of base pay for Mr. Cline); (2) prorated incentive compensation for
        the fiscal year in which the termination occurs based on the executive&#8217;s target annual incentive compensation through the month ended before the date of termination; (3) any bonus earned for a prior performance period but not yet paid; and (4)
        accelerated vesting to 100% on all stock options or restricted stock issued to the executive.&#160; The change in control agreements also require continued coverage under life, medical and disability insurance for 18 months, or a lump sum equal to the
        premiums that would have been paid if continued coverage is not possible.&#160; The change in control agreements contain provisions requiring reduction of any payments that would be deemed to constitute an excess parachute payment under Section 280G of
        the Internal Revenue Code.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold;">Deferred Compensation Plan.</font>&#160; Each of the named executive officers is eligible to participate in the Riverview Community Bank Directors&#8217; and Executive Officers&#8217; Deferred Compensation Plan, as described in more detail
        above on page 20.&#160; The current plan allows the officers to elect to defer up to 50% of salary until separation from service, with no income tax payable by the officer until benefits are received.&#160; An &#8220;override election&#8221; can be made in the initial
        participation agreement and participants may elect to receive payment upon the occurrence of an &#8220;override event.&#8221;&#160; Participants may elect either or both of the following as an override event: separation from service and/or change in control.&#160;
        Participants elect in their initial participation agreement either a specific date (lump sum payment) or a fixed schedule of payments (made annually over ten years) starting on a specified date for distribution of their plan benefits.&#160;
        Distributions will be made in accordance with the participant&#8217;s election, other than in the event of a hardship withdrawal, death, disability, cashout of small accounts, required delayed distributions to key employees or the termination of the
        plan.&#160; The participating named executive officers may elect both separation from service and change in control as an override event.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;
          font-weight: bold;">Equity Plans.</font>&#160; Our 2003 Stock Option Plan provides for accelerated vesting of awards in the event of a change in control.&#160; Specifically, if a tender offer or exchange offer for Riverview&#8217;s shares is commenced, or if a
        change in control occurs, unless the committee administering the plan has provided otherwise in the award agreement, all options granted and not fully exercisable shall become exercisable in full upon the happening of that event.&#160; The named
        executive officers do not currently have any options that are not fully exercisable under the 2003 Stock Option Plan.&#160; The 2017 Equity Incentive Plan provides that unvested awards will become exercisable or vest in connection with a change in
        control only if the participant experiences an involuntary termination other than for cause within 365 days following the change in control event or the acquiring company does not either assume the outstanding award or replace the outstanding award
        with an equivalently-valued award.&#160; The named executive officers do not have any awards outstanding under the 2017 Equity Incentive Plan.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-weight: bold;">Chief Executive Officer Pay Ratio</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">In August 2015 pursuant to a mandate of the Dodd-Frank Wall Street Reform and Consumer
        Protection Act (the &#8220;Dodd-Frank Act&#8221;), the SEC adopted Item 402(u) of Regulation S-K, requiring annual disclosure of the ratio of the annual total compensation of the Chief Executive Officer to the median employee&#8217;s annual total compensation.&#160; For
        2019, this information is as follows:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
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                Roman&quot;,Times,serif;">Mr. Lycklama, Chief Executive Officer, annual total compensation:</font></td>
            <td style="width: 15%; text-align: right; vertical-align: bottom;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">$627,368</font></td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 85%;"> <font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#8226; &#160; &#160; &#160; &#160;</font><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Median employee
                annual total compensation:</font></td>
            <td style="width: 15%; text-align: right; vertical-align: bottom;"><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 360pt;">&#160;</font><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">$&#160;


                52,363</font></td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 85%; text-align: left; vertical-align: top;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">&#8226; &#160; &#160; &#160;</font>&#160; <font style="font-size: 10pt; font-family: &quot;Times New
                Roman&quot;,Times,serif;">Ratio of Chief Executive Officer to median employee compensation:</font></td>
            <td style="width: 15%; text-align: right; vertical-align: bottom;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">12:1</font></td>
          </tr>

      </table>
    </div>
    <br>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">In determining the median employee, we used a listing of all employees, excluding our Chief
        Executive Officer, as of March 31, 2019.&#160; To identify our median employee, we included all elements of total direct compensation (defined as the total value of salaries, commissions, bonuses, and short-term incentive provided regularly and
        consistently to the employee base) paid in fiscal year 2019 as our consistently applied compensation measure.&#160; Compensation for full-time employees hired during fiscal year 2019 was annualized.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">22<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
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    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">As a result of the flexibility permitted by Item 402(u), the method we used to determine our
        median employee may differ from the methods used by our peers, so the ratios may not be comparable.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-weight: bold;">Compensation Committee Interlocks and Insider Participation</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">The members of the Personnel/Compensation Committee are Directors Wills (Chairman), Olson,
        Carlson and Nierenberg.&#160; No members of this Committee were officers or employees of Riverview or any of its subsidiaries during the year ended March 31, 2019, nor were they formerly Riverview officers or had any relationships otherwise requiring
        disclosure.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">PROPOSAL 2 &#8211; ADVISORY VOTE TO APPROVE NAMED EXECUTIVE OFFICER COMPENSATION</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (&#8220;Dodd-Frank Act&#8221;), we
        are required to periodically include in our annual meeting proxy statements and present at the annual meeting of stockholders a non-binding stockholder resolution to approve the compensation of our named executive officers, as disclosed in the
        proxy statement pursuant to the compensation disclosure rules of the SEC.&#160; This proposal, commonly known as a &#8220;say-on-pay&#8221; proposal, gives stockholders the opportunity to endorse or not endorse the compensation of Riverview&#8217;s named executive
        officers as disclosed in the proxy statement.&#160; The proposal will be presented at the annual meeting in the form of the following resolution:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; margin-right: 36pt; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">RESOLVED, that the stockholders approve, on an advisory basis, the
        compensation of Riverview Bancorp Inc.&#8217;s named executive officers, as disclosed in the Compensation Discussion and Analysis, the compensation tables and related material in Riverview&#8217;s Proxy Statement for the 2019 annual meeting of stockholders.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">This vote will not be binding on our Board of Directors or Personnel/Compensation Committee
        and may not be construed as overruling a decision by the Board or create or imply any additional fiduciary duty on the Board.&#160; It will also not affect any compensation paid or awarded to any executive.&#160; The Personnel/Compensation Committee and the
        Board may, however, take into account the outcome of the vote when considering future executive compensation arrangements.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif;">The purpose of our compensation policies and procedures is to attract, retain and motivate
        key executives of proven ability who are critical to our future success.&#160; We believe that our compensation policies and procedures are strongly aligned with the long-term interests of our stockholders.&#160; Our compensation programs are designed to
        balance short-term and long-term objectives, and to attract executive talent, retain a team of effective leaders and provide stability for Riverview.&#160; Our compensation program is guided by the philosophy that total executive compensation should
        vary based on achievement of corporate goals and objectives, and should closely align with Riverview&#8217;s financial performance.&#160; The Compensation Committee of the Board of Directors believes that the executive compensation for fiscal 2019 is
        reasonable and appropriate, is justified by Riverview&#8217;s strong financial performance.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-weight: bold;">The Board of Directors recommends that you vote FOR approval of the
        compensation of our named executive officers as disclosed in this Proxy Statement.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">23<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">AUDIT COMMITTEE MATTERS</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Audit
          Committee Charter.&#160; </font>The Audit Committee operates pursuant to a charter approved by our Board of Directors.&#160; The charter sets out the responsibilities, authority and specific duties of the Audit Committee.&#160; The charter specifies, among
        other things, the structure and membership requirements of the Audit Committee, as well as the relationship of the Audit Committee to the independent registered public accounting firm, the internal audit department and management.&#160; The Audit
        Committee reports to the Board of Directors and is responsible for overseeing and monitoring financial accounting and reporting, the system of internal controls established by management and the audit process.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Report




          of the Audit Committee.</font>&#160; The Audit Committee reports as follows with respect to Riverview&#8217;s audited financial statements for the year ended March 31, 2019:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z07251a34526d471e981d910442650ad0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee has reviewed and discussed the 2019 audited financial statements with management;</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z470db0c7eabf40878412d41ed78360d0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee has discussed with the independent registered public accounting firm, Delap LLP, the
                  matters required to be discussed by Auditing Standard No. 1301, <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Communications with Audit Committees</font>, as amended, as adopted by the
                  Public Company Accounting Oversight Board;</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z45636a7946324689917b0c535eb37141" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee has received written disclosures and the letter from the independent registered public
                  accounting firm required by the applicable requirements of the Public Company Accounting Oversight Board regarding the independent registered public accounting firm&#8217;s communications with the Audit Committee concerning independence, and
                  has discussed with the independent registered public accounting firm the firm&#8217;s independence; and</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z547aed4aa44e4c789621aeb046fb0cff" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;">

          <tr>
            <td style="width: 92pt; vertical-align: top;">
              <div style="text-align: left; margin-left: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#8226;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee has, based on its review and discussions with management of the 2019 audited financial
                  statements and discussions with the independent registered public accounting firm, recommended to the Board of Directors that Riverview&#8217;s audited financial statements for the year ended March 31, 2019 be included in its Annual Report on
                  Form 10-K.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The foregoing report is provided by the following directors, who constitute the Audit Committee:</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z925253b3615640d59b88fffe334c5a1a">

          <tr>
            <td style="width: 45%;">
              <div>&#160;</div>
            </td>
            <td style="width: 55%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Audit Committee:</font></td>
          </tr>
          <tr>
            <td style="width: 45%;">
              <div>&#160;</div>
            </td>
            <td style="width: 55%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 45%;">
              <div>&#160;</div>
            </td>
            <td style="width: 55%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Jerry C. Olson, Chairman</font></td>
          </tr>
          <tr>
            <td style="width: 45%;">
              <div>&#160;</div>
            </td>
            <td style="width: 55%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Bess R. Wills</font></td>
          </tr>
          <tr>
            <td style="width: 45%;">
              <div>&#160;</div>
            </td>
            <td style="width: 55%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Gerald L. Nies</font></td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">This report shall not be deemed to be incorporated by reference by any general statement
        incorporating by reference this proxy statement into any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, and shall not otherwise be deemed filed under such acts.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">SECTION 16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Section 16(a) of the Securities Exchange Act requires our executive officers and directors, and
        persons who own more than 10% of any registered class of Riverview&#8217;s equity securities, to file reports of ownership and changes in ownership with the SEC.&#160; Executive officers, directors and greater than 10% stockholders are required by regulation
        to furnish us with copies of all Section 16(a) forms they file.&#160; Based solely on our review of the copies of such forms we have received and written representations provided to us by the above-referenced persons, we believe that during the fiscal
        year ended March 31, 2019, all filing requirements applicable to our reporting officers, directors and greater than 10% stockholders were properly and timely complied with.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">24<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Delap LLP served as our independent registered public accounting firm for the year ended March 31,
        2019.&#160; The Audit Committee of the Board of Directors has appointed Delap LLP as its independent registered public accounting firm for the year ending March 31, 2020.&#160; A representative of Delap LLP is expected to attend the annual meeting of
        stockholders to respond to appropriate questions and will have an opportunity to make a statement if he or she so desires.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The following table sets forth the aggregate fees billed, or expected to be billed, to Riverview for
        professional services rendered by Delap LLP for the fiscal years ended March 31, 2019 and 2018.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <table cellspacing="0" cellpadding="0" border="0" align="center" id="ze60634baaf314b90b578aa3647abaa85" style="width: 90%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">

        <tr>
          <td style="width: 59.72%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
          <td style="width: 20.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" rowspan="1" colspan="3">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">Year Ended</font></div>
            <div style="line-height: 11.4pt; text-align: center;"><font style="font-size: 10pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-style: italic;">March 31,</font><font style="line-height: 11.4pt;"> <br>
              </font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 59.72%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          <td style="width: 20.83%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">2019</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 19.44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">2018</font></div>
            <div style="line-height: 0.1pt;"><font style="line-height: 0.1pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 59.72%; vertical-align: top;">&#160;</td>
          <td style="width: 20.83%; vertical-align: top;">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 19.44%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 59.72%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Audit Fees<font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font></font></div>
          </td>
          <td style="width: 20.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$275,000</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">$270,000</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 59.72%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Audit-Related Fees<font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px;
                  width: 12pt">&#160;</font></font></div>
          </td>
          <td style="width: 20.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;4,830</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 19.44%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;3,000</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 59.72%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Tax Fees<font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt">&#160;</font></font></div>
          </td>
          <td style="width: 20.83%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;--</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 19.44%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;--</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 59.72%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">All Other Fees<font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width:
                  12pt">&#160;</font></font></div>
          </td>
          <td style="width: 20.83%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;--</font></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(255, 255, 255);" colspan="1">&#160;</td>
          <td style="width: 19.44%; vertical-align: top; background-color: rgb(255, 255, 255);">
            <div style="text-align: center; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font>&#160; &#160; &#160; &#160; &#160; &#160; --</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Audit Committee will establish general guidelines for the permissible scope and nature of any
        permitted non-audit services to be provided by the independent registered public accounting firm in connection with its annual review of its charter.&#160; Pre-approval may be granted by action of the full Audit Committee or by delegated authority to
        one or more members of the Audit Committee.&#160; If this authority is delegated, all approved non-audit services will be presented to the Audit Committee at its next meeting.&#160; In considering non-audit services, the Audit Committee or its delegate will
        consider various factors, including but not limited to, whether it would be beneficial to have the service provided by the independent registered public accounting firm and whether the service could compromise the independence of the independent
        registered public accounting firm.&#160; For the year ended March 31, 2019, the Audit Committee approved all, or 100%, of the services provided by Delap LLP that were designated as audit fees, audit-related fees and all other fees as set forth in the
        table above.</font></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">STOCKHOLDER PROPOSALS AND NOMINATIONS</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">In order to be eligible for inclusion in our proxy solicitation materials for next year&#8217;s annual
        meeting of stockholders, any stockholder proposal to take action at such meeting must be received at our main office at 900 Washington Street, Suite 900, Vancouver, Washington 98660, no later than February 15, 2020.&#160; Any such proposal shall be
        subject to the requirements of the proxy solicitation rules adopted under the Securities Exchange Act.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: justify; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Our Articles of Incorporation provide that if a stockholder intends to nominate a candidate for
        election as a director or submit a stockholder proposal, the stockholder must deliver written notice of his or her intention to the Corporate Secretary of Riverview not less than 30 nor more than 60 days prior to the date of a meeting of
        stockholders; provided, however, that if less than 31 days&#8217; notice of the date of the meeting is given or made to stockholders, such written notice must be delivered to the Corporate Secretary not later than the close of the tenth day following the
        day on which notice of the meeting was mailed to stockholders.&#160; The notice must set forth certain information specified in our Articles of Incorporation.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times,
        serif; font-weight: bold;">MISCELLANEOUS</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 0.1pt;"><br style="line-height: 0.1pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">The Board of Directors is not aware of any business to come before the annual meeting other than those
        matters described above in this Proxy Statement.&#160; However, if any other matters should properly come before the meeting, it is intended that proxies in the accompanying form will be voted in respect thereof in accordance with the judgment of the
        person or persons voting the proxies.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; text-align: center;">25<br style="line-height: 11.4pt;">
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We will bear the cost of solicitation of proxies. In addition to solicitations by mail, our directors,
        officers and employees may solicit proxies personally or by telephone without additional compensation.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; text-indent: 36pt; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Riverview&#8217;s Annual Report to Stockholders, which includes the Annual Report on Form 10-K as filed with
        the SEC, has been mailed to stockholders as of the close of business on the voting record date.&#160; Any stockholder who has not received a copy of the Annual Report may obtain a copy by writing to the Corporate Secretary.&#160; The Annual Report is not to
        be treated as part of the proxy solicitation material or as having been incorporated herein by reference.</font></div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;">
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="z8746f7274bcb4ad5901af4bf5ebcc093">

          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">BY ORDER OF THE BOARD OF DIRECTORS</font></td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div>/s/ <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">TERESA L. BAKER</font> </div>
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
                </font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">TERESA L. BAKER</font> <br>
              </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.00%;">
              <div>&#160;</div>
            </td>
            <td style="width: 50.00%;">
              <div><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">CORPORATE SECRETARY</font> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Vancouver, Washington</font></div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">June 14, 2019</font></div>
    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 11.4pt;">
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center;"> <br>
      </div>
      <div style="text-align: center;"> 26<br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div>
        <div>
          <div style="LINE-HEIGHT: 11.4pt"><br style="LINE-HEIGHT: 11.4pt">
          </div>
          <table cellspacing="0" cellpadding="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zd15b72fbc0c0467c9187f64f8c2061f4">

              <tr>
                <td style="WIDTH: 50%; VERTICAL-ALIGN: top">
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC.</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">900 WASHINGTON STREET</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SUITE 900</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">VANCOUVER, WASHINGTON 98660-3409</div>
                </td>
                <td style="WIDTH: 50%; VERTICAL-ALIGN: top">
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">VOTE BY INTERNET - <font style="FONT-VARIANT: normal; FONT-STYLE: normal; FONT-FAMILY: 'Times New
                      Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">www.proxyvote.com</font></div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Use the Internet to transmit your voting instructions and for electronic delivery of information up until 11:59 P.M. Eastern
                    Time on July 23, 2019. Have your proxy card in hand when you access the website and follow the instructions to obtain your records and to create an electronic voting instruction form.</div>
                  <div style="LINE-HEIGHT: 8pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ELECTRONIC DELIVERY OF FUTURE PROXY MATERIALS</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">If you would like to reduce the costs incurred by Riverview Bancorp, Inc. in mailing proxy materials, you can consent to
                    receiving all future proxy statements, proxy cards and annual reports, electronically via e-mail or the Internet. To sign up for electronic delivery, please follow the instructions above to vote using the Internet and, when prompted,
                    indicate that you agree to receive or access proxy materials electronically in future years.</div>
                  <div style="LINE-HEIGHT: 8pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">VOTE BY MAIL</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Mark, sign and date your proxy card and return it in the postage-paid envelope we have provided or return it to Vote
                    Processing, c/o Broadridge, 51 Mercedes Way, Edgewood, NY 11717.</div>
                </td>
              </tr>

          </table>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
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          </div>
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          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
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          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
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          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
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          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
          <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS</div>
          <div style="LINE-HEIGHT: 0.65pt"><br style="LINE-HEIGHT: 0.65pt">
          </div>
          <div style="TEXT-ALIGN: right; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">KEEP THIS PORTION FOR YOUR RECORDS
            <hr noshade="noshade" align="center" style="BORDER-BOTTOM: medium none; TEXT-ALIGN: center; BORDER-LEFT: medium none; BACKGROUND-COLOR: #000000; HEIGHT: 2px; COLOR: #000000; MARGIN-LEFT: auto; BORDER-TOP: medium none; MARGIN-RIGHT: auto;
              BORDER-RIGHT: medium none"> </div>
          <div style="TEXT-ALIGN: right; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">DETACH AND RETURN THIS PORTION ONLY</div>
          <div style="TEXT-ALIGN: center; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">THIS PROXY CARD IS VALID ONLY WHEN SIGNED AND DATED.</div>
          <div style="LINE-HEIGHT: 8pt"><br style="LINE-HEIGHT: 8pt">
          </div>
          <table cellspacing="0" cellpadding="0" style="WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" id="zab015aed098740db9a6727c65d3b9e0e">

              <tr>
                <td style="border-left: 2px solid rgb(0, 0, 0); width: 99.83%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);" colspan="6">
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                      &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For&#160;&#160;&#160;&#160; Withhold&#160;&#160;&#160;&#160; For All</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; To withhold authority to vote for any individual</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
                    All&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;All&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Except&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="FONT-WEIGHT: normal">nominee(s), mark "For All Except" and write the</font></div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">The Board of Directors recommends you
                      vote&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; &#160;&#160; number(s) of the nominee(s) on the line below</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">FOR the following</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;



                    <font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">[ &#160;]&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;[ &#160;]&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; [ &#160;]</font></div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">1. Election of
                    Directors&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; ___________________________________</div>
                  <div style="LINE-HEIGHT: 8pt">&#160;</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; Nominees:</div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160; 01) Patricia W. Eby</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> <br>
                  </div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160; 02) David Nierenberg<br>
                  </div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"> <br>
                  </div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160; 03) Gerald L. Nies<br>
                  </div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt">&#160;</div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt"> <br>
                  </div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The Board of Directors recommends you vote FOR the following proposal:</div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;
                    &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; For&#160;&#160;&#160; &#160; &#160; Against&#160;&#160;&#160; &#160;&#160; Abstain</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif">2. Advisory (non-binding) approval of the compensation of our
                      named executive officers.</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; &#160; &#160; &#160; &#160;&#160; &#160;&#160;&#160;&#160; <font style="FONT-FAMILY: 'Times New Roman', Times, serif">[ &#160;]&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; [&#160; ]&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;[ &#160;]</font></div>
                  <div style="LINE-HEIGHT: 8pt; FONT-SIZE: 10pt">&#160;</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">NOTE:</font> Such other business as may properly
                    come before the meeting or any adjournment thereof.</div>
                  <div style="LINE-HEIGHT: 8pt">&#160;</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">For address changes and/or comments, please check this box&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; [&#160;&#160; ]</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">and write them on the back where indicated<br>
                  </div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Please sign exactly as your name(s) appear(s) hereon. When signing as attorney, executor,</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">administrator, or other fiduciary, please give full title, as such. Joint owners should each</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">sign personally. All holders must sign. If a corporation or partnership, please sign in full</div>
                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">corporate or partnership name by authorized officer.</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Signature [PLEASE SIGN WITHIN BOX]</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Date</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Signature (Joint Owners)</div>
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                  <div style="TEXT-ALIGN: left; LINE-HEIGHT: 9.1pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">Date</div>
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          <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting:</div>
          <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The Notice of Annual Meeting of Stockholders, Proxy Statement and Annual Report are available at </div>
          <div style="TEXT-ALIGN: center; FONT: 10pt/11.4pt 'Times New Roman', Times, serif">www.proxyvote.com</div>
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          <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">FOLD AND DETACH HERE
            <div>
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                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REVOCABLE PROXY &#8211; RIVERVIEW BANCORP, INC.</div>
                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"> <br>
                  </div>
                  <div style="text-align: center; line-height: 11.4pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-weight: normal;">Annual Meeting of Stockholders</div>
                  <font style="font-weight: normal;"> </font>
                  <div style="text-align: center; line-height: 11.4pt; font-family: &quot;Times New Roman&quot;,Times,serif; font-size: 10pt; font-weight: normal;">July 24, 2019 10:00 A.M.</div>
                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">This proxy is solicited by the Board of Directors</div>
                  <div style="LINE-HEIGHT: 13.7pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">The undersigned hereby appoints the official Proxy Committee of the Board of Directors of Riverview Bancorp, Inc.
                    ("Riverview") with full power of substitution, to vote as designated on the reverse side and in their discretion, upon such other business as may properly come before the meeting, all shares of common stock of Riverview held of record
                    by the undersigned on May 28, 2019, at the Annual Meeting of Stockholders to be held on July 24, 2019, or any adjournment or postponements thereof.</div>
                  <div style="LINE-HEIGHT: 11.4pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">If you are a participant in either the Riverview Bancorp, Inc. Employee Stock Ownership Plan or the Riverview Bancorp,
                    Inc. Employees' Savings and Profit Sharing Plan, this proxy constitutes your direction to the trustees of such plans to vote as directed on the reverse side the proportionate interest in the shares of common stock held in the plan. In
                    order for the trustees to receive your direction in time to vote, your proxy must be received by July 15, 2019. If your proxy is not received by July 15, 2019, the share equivalents credited to your account will be voted by the trustee
                    in the same proportion that it votes share equivalents for which it receives timely instructions from all plan participants.</div>
                  <div style="LINE-HEIGHT: 11.4pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">THE BOARD OF DIRECTORS RECOMMENDS A VOTE "FOR" PROPOSALS 1 AND&#160;2.&#160; THE SHARES REPRESENTED BY THIS
                    PROXY WILL BE VOTED AS SPECIFIED ON THE REVERSE SIDE. IF NO DIRECTION IS GIVEN IN THE SPACE PROVIDED ON THE REVERSE SIDE, THIS PROXY WILL BE VOTED FOR PROPOSALS 1 AND 2. THIS PROXY ALSO CONFERS DISCRETIONARY AUTHORITY ON THE BOARD OF
                    DIRECTORS TO VOTE WITH RESPECT TO THE ELECTION OF ANY PERSON AS DIRECTOR WHERE THE NOMINEE IS UNABLE TO SERVE OR FOR GOOD CAUSE WILL NOT SERVE, AND MATTERS INCIDENT TO THE CONDUCT OF THE 2019 ANNUAL MEETING.</div>
                  <div style="LINE-HEIGHT: 11.4pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Address Changes/Comments:</font>
                    ________________________________________________________</div>
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                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">________________________________________________________________________________</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: justify; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">________________________________________________________________________________</div>
                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">&#160;</div>
                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt">(If you noted any Address Changes/Comments above, please mark corresponding box on the reverse side)</div>
                  <div style="LINE-HEIGHT: 11.4pt">&#160;</div>
                  <div style="TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Continued and to be signed on reverse side</div>
                  <div style="LINE-HEIGHT: 11.4pt">&#160;</div>
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            <div style="text-align: center; line-height: 17.2pt; margin-bottom: 8pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">*** Exercise Your Right to Vote***</div>
            <div style="text-align: center; line-height: 14.75pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Important Notice Regarding the Availability of Proxy Materials for the</font></div>
            <div style="text-align: center; line-height: 14.75pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Stockholder
                  Meeting to Be Held on July 24, 2019</font>.</font></div>
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            </div>
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                    <div style="text-align: left; line-height: 12.55pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">RIVERVIEW BANCORP, INC</font></div>
                  </td>
                  <td style="width: 50%; vertical-align: top; border-bottom: #000000 2px solid;">
                    <div style="text-align: center; line-height: 12.55pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>Meeting

                            Information</u></font></font></div>
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Meeting
                          Type:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Annual Meeting</font></div>
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">For
                          holders as of:</font>&#160;&#160;&#160;&#160;&#160; May 28, 2019</font></div>
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Date:</font>&#160;
                        July 24, 2019&#160; &#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Time:</font>&#160; 10:00 A.M.</font></div>
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Locations:</font>&#160;
                        Riverview Center</font></div>
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;17205 S. E. Mill Plain Blvd</font></div>
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Vancouver, Washington 98683</font></div>
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                  <td style="width: 50%; vertical-align: top;">
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">You are receiving this communication because you hold shares in the company named above.</font></div>
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                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
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                    <div style="text-align: left; line-height: 5.7pt; font-size: 6pt; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-style: normal; font-variant:
                      normal; text-transform: none;">RIVERVIEW BANCORP, INC.</div>
                    <div style="text-align: left; line-height: 5.7pt; font-size: 6pt; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-style: normal; font-variant:
                      normal; text-transform: none;">900 WASHINGTON STREET</div>
                    <div style="text-align: left; line-height: 5.7pt; font-size: 6pt; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-style: normal; font-variant:
                      normal; text-transform: none;">SUITE 900</div>
                    <div style="text-align: left; line-height: 5.7pt; font-size: 6pt; background-color: rgb(255, 255, 255); font-weight: normal; color: rgb(0, 0, 0); font-family: &quot;Times New Roman&quot;,Times,serif; font-style: normal; font-variant:
                      normal; text-transform: none;">VANCOUVER, WASHINGTON 98660-3409</div>
                  </td>
                  <td style="width: 50%; vertical-align: top;">
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">This is not a ballot.&#160; You cannot use this notice to vote these shares.&#160; This communication presents only
                        an overview of the more complete proxy materials that are available to you on the Internet.&#160; You may view the proxy materials online at <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style:
                          italic;">www.proxyvote.com</font> or easily request a paper copy (see reverse side).</font></div>
                  </td>
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                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
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                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 50%; vertical-align: top;">
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">We encourage you to access and review all of the important information contained in the proxy materials
                        before voting.</font></div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 50%; vertical-align: top;">&#160;</td>
                  <td style="width: 50%; vertical-align: top; background-color: rgb(0, 0, 0); color: rgb(255, 255, 255);">
                    <div style="text-align: left; line-height: 10.25pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">See the reverse side of this notice to obtain proxy materials and voting instructions.</font></div>
                  </td>
                </tr>

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            </div>
            <div style="text-align: center; line-height: 18.8pt;"><font style="font-size: 14pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">--Before You Vote&#8212;</font></div>
            <div style="text-align: center; line-height: 13.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">How to Access the Proxy Materials</font></div>
            <div style="line-height: 13.4pt;"><br style="line-height: 13.4pt;">
            </div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="zb6445cecbd414740834e460560f88e0e">

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                  <td style="width: 100%; vertical-align: top; border-bottom: #000000 2px solid;">
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Proxy Materials Available to VIEW or RECEIVE:</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">NOTICE OF ANNUAL MEETING OF STOCKHOLDERS&#160; &#160;&#160; PROXY STATEMENT&#160; &#160;&#160; ANNUAL REPORT</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">How to View Online:</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Have the information that is printed in the box marked by the arrow &#8212;&#160;&#160; <font style="font-size: 10pt;
                          font-family: 'Times New Roman', Times, serif;"><u>XXXX XXXX XXXX XXXX</u></font> (located on the following page) and visit:&#160; <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">www.proxyvote.com</font>.</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">How to Request and Receive a PAPER or E-MAIL Copy:</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">If you want to receive a paper or e-mail copy of these documents, you must request one.&#160; There is NO charge
                        for requesting a copy.&#160; Please choose one of the following methods to make your request:</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1) BY INTERNET:&#160; &#160; &#160; www.proxyvote.com</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2) BY TELEPHONE:&#160;&#160; 1-800-579-1639</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3) BY E-MAIL*:&#160; &#160; &#160; &#160; &#160; sendmaterial@proxyvote.com</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">*&#160; If requesting materials by e-mail, please send a blank e-mail with the information that is printed in
                        the box marked by the arrow &#8212;<font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>XXXX XXXX XXXX XXXX</u></font> (located on the following page) in the subject line.</font></div>
                    <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Requests, instructions and other inquiries sent to this e-mail address will NOT be forwarded to your
                        investment advisor.&#160; Please make the request as instructed above on or before July 10, 2019 to facilitate timely delivery.</font></div>
                    <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
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            </div>
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            </div>
            <div style="text-align: center; line-height: 18.8pt;"><font style="font-size: 14pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">--How to Vote&#8212;</font></div>
            <div style="text-align: center; line-height: 13.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">Please Choose One of the Following Voting Methods</font></div>
            <div style="line-height: 13.4pt;"><br style="line-height: 13.4pt;">
            </div>
            <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" id="zf7473d5d54654ba3ab138850c04a9e91">

                <tr>
                  <td style="width: 100%; vertical-align: top; border-bottom: #000000 2px solid;">
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Vote in
                          Person:</font>&#160; Many stockholder meetings have attendance requirements including, but not limited to, the possession of an attendance ticket issued by the entity holding the meeting.&#160; Please check the meeting materials for any
                        special requirements for meeting attendance.&#160; At the meeting, you will need to request a ballot to vote these shares.</font></div>
                    <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Vote By
                          Internet:</font>&#160; To vote now by Internet, go to www.proxyvote.com.&#160; Have the information that is printed in the box marked by the arrow <font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><u>XXXX XXXX
                            XXXX XXXX</u></font> (located on the following page) available and follow the instructions.</font></div>
                    <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
                    <div style="text-align: left; line-height: 11.4pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Vote By
                          Mail:</font>&#160; You can vote by mail by requesting a paper copy of the materials, which will include a proxy card.</font></div>
                    <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
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            <td style="width: 10%; text-align: center; vertical-align: bottom; border-color: rgb(0, 0, 0); border-style: solid; border-width: 2px;">
              <div><font style="font-weight: bold;">Voting Items</font> <br>
              </div>
            </td>
            <td style="width: 33.33%; padding-bottom: 2px;">
              <div>&#160;</div>
            </td>
            <td style="width: 33.33%; padding-bottom: 2px;">
              <div>&#160;</div>
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    <div><font style="font-weight: bold;">The Board of Directors recommends you vote</font><font style="font-weight: bold;"><br>
      </font></div>
    <div><font style="font-weight: bold;">FOR the following:</font><br>
    </div>
    <div> <br>
    </div>
    <div>1.&#160;&#160; Election of Directors<br>
    </div>
    <div> <br>
    </div>
    <div>&#160;&#160;&#160;&#160;&#160; <font style="font-weight: bold;">Nominees:</font><br>
    </div>
    <div><font style="font-weight: bold;"> <br>
      </font></div>
    <div>&#160;&#160;&#160;&#160;&#160; 01) Patricia W. Eby</div>
    <div>&#160;&#160;&#160;&#160;&#160; 02) David Nierenberg</div>
    <div>&#160;&#160;&#160;&#160;&#160; 03) Gerald L. Nies</div>
    <div>
      <div><br>
      </div>
      <div><font style="font-weight: bold;">The Board of Directors recommends you vote FOR the following proposal:</font><br>
      </div>
      <div><font style="font-weight: bold;"> <br>
        </font></div>
      <div>2.&#160;&#160; Advisory (non-binding) approval of the compensation of our named executive officers.</div>
      <div><font style="font-weight: bold;"><br>
        </font></div>
      <div><font style="font-weight: bold;">NOTE:&#160; <font style="font-weight: normal;">Such other business as may properly come before the meeting or any adjournement thereof.&#160;</font></font> <font style="font-weight: bold;"></font></div>
      <div><font style="font-weight: bold;"><br>
        </font></div>
      <div><font style="font-weight: bold;"><br>
        </font></div>
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