Shareholder Information

Since opening our doors for business on February 16, 1999, Hopewell Valley Community Bank has been met with a welcome reception from the community. We 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.

HVCBank is in business to make a profit for its shareholders. While the national headlines on the financial industry continue to be negative, HVCBank has benefited from the public's growing awareness of the differences between the major financial institutions and community banks like ourselves. Following our high-value, relationship-oriented banking model, we have shown solid growth in loans, deposits, earnings, and capital, a tribute to the dedication of our officers and employees as well as an endorsement of genuine community banking by our customers. We continue to look for appropriate opportunities and provide our brand of banking products and personal service to all of our customers and shareholders alike.

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

What classes of Hopewell Valley Community Bank stock are currently issued?

Shares of Hopewell Valley Community Bank Common Stock are traded on PinkSheets under the symbol "HWDY", and are not subject to any restrictions on transfer. Common stock warrants and preferred shares are not actively traded.

Hopewell Valley Community Bank has issued the following stock:

Type of StockCUSIPTicker Symbol
Common Stock439680109HWDY
Common Stock Warrants
Expiration Date: Sept. 15, 2011
439680133None
Common Stock Warrants
Expiration Date: June 30, 2012
439680505None
Preferred Stock439680406None

The following dividends have been paid on our Common Stock:

Record DatePayable DateType of Dividend
02/14/201103/07/2011 $.045 Cash Dividend
08/16/201009/10/2010$.04 Cash Dividend
02/06/201003/08/2010$.04 Cash Dividend
02/06/201003/08/20105% Stock Dividend
08/17/200909/11/2009$.04 Cash Dividend
02/17/200903/06/2009$.04 Cash Dividend
02/17/200903/06/200910% Stock Dividend
08/22/200809/12/2009$.04 Cash Dividend
02/19/200803/07/2008$.04 Cash Dividend
08/20/200709/07/2007$.04 Cash Dividend
02/20/200703/09/2007$.04 Cash Dividend
02/01/200602/28/2006$.05 Cash Dividend
02/04/200502/18/20056-for-5 Stock Split
12/31/200301/16/20045% Stock Dividend
01/15/200301/31/20035% Stock Dividend
02/28/200203/15/20025% Stock Dividend
11/15/200012/01/200010% Stock Dividend

The following dividends have been paid on our Preferred Stock:

Record DatePayable DateType of Dividend
11/15/201012/15/2010Semi-annual non-cumulative cash dividend, 5% annual rate
05/24/201006/15/2010Semi-annual non-cumulative cash dividend, 5% annual rate
11/10/200912/15/2009Semi-annual non-cumulative cash dividend, 5% annual rate

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, consolidate stock accounts, or have any other questions regarding their stock ownership with Hopewell Valley Community Bank should contact:

Sharon M. Fink

Senior Vice President/Corporate Secretary

280 Route 31

Hopewell, New Jersey 08534

609-466-7399 – phone

609-466-1285 - fax