Shareholder Information

Since opening the Bank's doors for business on February 16, 1999, at a temporary location in the Pennytown Shopping Center, we have been met with a welcome reception from the local community to our service-oriented brand of community banking. Extended hours of operation and low-cost banking services, coupled with a professional team of experienced bank staff who assist consumers and small businesses alike with responsive and friendly service, have added up to a strong formula for success. Our staff works very hard to build our reputation as a service oriented financial institution dedicated to delivering high value banking products to our community. We all maintain a long term commitment to the growth and profitability of our organization, reflected in the ever increasing awareness the community has for the bank, resulting in a steady increase in market share.

The Bank is in business to make a profit for its shareholders. As such, we look to maximize its sustainable earnings over the long term and to operate as efficiently as we can. We believe we will be very successful with your continued support. In return for that support, we are committed to a plan that will reward shareholders as we build an organization that meets the financial needs of our marketplace and looks for continuing new opportunities in the evolving financial industry. On behalf of the directors, officers, and staff, please accept our appreciation for your involvement.

The following information will answer the most frequently asked questions about our stock:

What is a Shareholders of Record?
A shareholder of record is defined as an individual who owns a share or shares in Hopewell Valley Community Bank and has a certificate for at least one share registered in their own name.

What classes of Hopewell Valley Community Bank stock are currently issued?
Hopewell Valley Community Bank has issued Common Stock, as well as Common Stock Warrants. Currently, all Common Stock Warrants have expired and are no longer valid.

What is the ticker symbol for Hopewell Valley Community Bank Common Stock?
HWDY

What is the CUSIP number?
The CUSIP number for the common stock is 439680 10 9

Where are your shares traded?
Shares of Hopewell Valley Community Bank Common Stock are traded on PinkSheets under the symbol “HWDY”. You can track the last sale price and volume by going to any online market update site, such as NASDAQ.com, Pinksheets.com, CBSmarketwatch.com, Yahoo.com, etc. and inputting HWDY. Our press releases are also now posted on these online sites, through BusinessWire.

Are there any transfer restrictions on my stock?
The Common Stock of Hopewell Valley Community Bank is not subject to any restrictions on transfer.

What dividends have been paid?

The following stock dividends have been paid:

• Ten percent (10%) stock dividend to all shareholders of record as of November 15, 2000
• Five percent (5%) stock dividend to all shareholders of record as of February 28, 2002
• Five percent (5%) stock dividend to all shareholders of record as of January 15, 2003
• Five percent (5%) stock dividend to all shareholders of record as of December 31, 2003
• Six-for-Five Stock Split to all shareholders of record as of February 4, 2005

The following cash dividends have been paid:

• Four cents per share semi-annual dividend to all shareholders of record as of August 20, 2007
• Four cents per share semi-annual dividend to all shareholders of record as of February 20, 2007
• Five cents per share to all shareholders of record as of February 1, 2006

Who is the transfer agent?
Registrar and Transfer Company
10 Commerce Drive
Cranford, New Jersey 07016-3572
Phone: (908) 497-2300
Shareholders of record who wish to change the name, address or ownership of stock, report lost stock certificates, or consolidate stock accounts should contact:

Does it cost anything to replace lost stock certificates?
Registrar currently charges a $50.00 replacement fee, plus 2% of the total value of the certificates

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Requirements to Transfer Stock 

1.  Transfer from the Name of a Decedent (Single Name) 

• Court-certified copy of the Certificate of Appointment of the Fiduciary dated within 180 days or a copy of same with medallion guarantee affixed.

• Irrevocable stock/bond power signed in capacity with medallion guarantee.

• Copy of Death Certificate.

• Affadavit of domicile.

2.  Transfer from the Name of a Decedent (Joint Tenants or Tenants by Entirety)
     a. Single Decedent 

• Copy of Death Certificate.

• Irrevocable stock/bond power signed in capacity (survivor) with medallion guarantee.

• If transfer is to be made to the survivor only, a Irrevocable stock/bond power is not required.

• Affadavit of domicile.

     b. Both Tenants Deceased 

• Copy of Death Certificate of each decedent*.

• Court-certified copy of the Certificate of Appointment of the Fiduciary dated within 180 days pertaining to the most recent decedent or a copy of same with medallion guarantee affixed.

• Irrevocable stock/bond power signed in capacity by Fiduciary of the most recent decedent with medallion guarantee.
  * If the Certificate of Appointment indicates the date of death of the most recent decedent, only the death certificate of the first decedent is required.

3.  Transfer from the Name of Tenants in Common or Community Property
     a. Single Decedent

• Court-certified copy of the Certificate of Appointment of the Fiduciary dated within 180 days or a copy of same with medallion guarantee affixed.

• Irrevocable stock/bond power signed in capacity by Fiduciary with medallion guarantee.

• Irrevocable stock/bond power signed in capacity (survivor) with medallion guarantee 

     b. Both Tenants Deceased 

• Court-certified copy of the Certificate of Appointment of the Fiduciary dated within 180 days for each decedent or a copy of same with medallion guarantee affixed 

• Irrevocable stock/bond powers signed in capacity by each Fiduciary with medallion guarantee 

4.  Transfer from a Partnership

• Irrevocable stock/bond power signed in capacity by all general partners, name printed below their signatures, with medallion guarantee.

• Valid partnership agreement.

5.  Transfer from a Trust, Pension, or Profit-Sharing Plan, IRA, Keogh, and SEP Plans

• Irrevocable stock/bond power signed in capacity by an authorized signer,with medallion guarantee.

• Valid trust; for trusts created by will, a copy of the will and a certificate of incumbency; or an opinion of counsel that the trustee has the power and authority specified.

• If it is a self-directed plan, the beneficiary must sign.

• If applicable, copy of minor's birth certificate, indicating that majority age has been reached; and Irrevocable stock/bond power signed by former minor with medallion guarantee.

6.  Transfer from a Sole Proprietorship

• Irrevocable stock/bond power signed by custodian in capacity with medallion guarantee

7. Transfer Upon Death of Custodian 

• Court-certified copy of the Certificate of Appointment of the successor

• Custodian dated within 180 days or a copy of same with medallion guarantee affixed.

• Irrevocable stock/bond power signed in capacity by successor Custodian with medallion guarantee.

• If the minor is 14 years of age or older, the minor may select the successor custodian. Transfer would be made upon receipt of:

  • copy of custodian's death certificate

  • copy of minor's birth certificate, indicating that he/she has attained age 14

  • an instrument designating the successor custodian executed by the minor

  • Irrevocable stock/bond power signed in capacity (successor custodian) with medallion guarantee

8.  Transfer from a Corporation/Limited Liability Corporation

• A Corporate Resolution of the Board of Directors by an officer other than the officer named as the authorized officer, authorizing the transfer. This resolution must be dated within 180 days. A corporate seal must be affixed to the resolution, certified by the Secretary or the Assistant Secretary. A copy with the medallion guarantee affixed is also acceptable.

• Irrevocable stock/bond power signed in capacity with medallion guarantee.

9.  Transfer from an Investment Club

• Irrevocable stock/bond power signed in capacity (specific club officer) with medallion guarantee.

10.  Transfers by an Estate

• Each executor must sign, with name printed under the signature

• A copy of the will and certificate of appointment of the executor or an opinion of counsel that the executor has the powers and authority to subscribe for he transfer.

10.  Transfer by a Power of Attorney 

• Copy of the Power of Attorney document, dated within 180 days, with medallion guarantee affixed.

• Irrevocable stock/bond power signed in capacity with medallion guarantee.

11. Transfer by a Durable Power of Attorney

• Copy of the Durable Power of Attorney document with medallion guarantee affixed.

• Irrevocable stock/bond power signed in capacity with medallion guarantee.

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