Document:

Code of Ethics

 Exhibit 10.17 
  
 CODE OF ETHICS AND BUSINESS CONDUCT 
 FOR OFFICERS, DIRECTORS AND 
 EMPLOYEES 
 OF 
 THANKSGIVING COFFEE COMPANY, INC. 
  

	1.	Treat in an Ethical Manner Those to Whom Thanksgiving Coffee Company, Inc. has an Obligation 

  
 The officers, directors and employees of Thanksgiving Coffee Company, Inc. (the “Company”) are committed to honesty, just
management, fairness, providing a safe and healthy environment free from the fear of retribution, and respecting the dignity due everyone. For the communities in which we live and work we are committed to observe sound environmental business
practices and to act as concerned and responsible neighbors, reflecting all aspects of good citizenship. 
  
 For our shareholders we are committed to pursuing sound growth and earnings objectives and to exercising prudence in the use of our assets and resources. 
  
 For our suppliers and partners we are committed to fair competition and the sense of responsibility required of a good customer and
teammate. 
  

	2.	Promote a Positive Work Environment 

  
 All employees want and deserve a workplace where they feel respected, satisfied, and appreciated. We respect cultural diversity and will not tolerate harassment or
discrimination of any kind — especially involving race, color, religion, gender, age, national origin, disability, and veteran or marital status. 
  
 Providing an environment that supports honesty, 

 integrity, respect, trust, responsibility, and citizenship permits us the opportunity to achieve excellence in our
workplace. While everyone who works for the Company must contribute to the creation and maintenance of such an environment, our executives and management personnel assume special responsibility for fostering a work environment that is free from the
fear of retribution and will bring out the best in all of us. 
  

	3.	Protect Yourself, Your Fellow Employees, and the World We Live in 

  
 We are committed to providing a safe and healthy work environment, and to observing environmentally sound business practices. We will strive, at a minimum, to do no harm
and where possible, to make the communities in which we work a better place to live. Each of us is responsible for compliance with environmental, health and safety laws and regulations. 
  

	4.	Keep Accurate and Complete Records 

  
 We must maintain accurate and complete Company records. Transactions between the Company and outside individuals and organizations must be promptly and accurately entered
in our books in accordance with generally accepted accounting practices and principles. No one should rationalize or even consider misrepresenting facts or falsifying records. It will not be tolerated and will result in disciplinary action.

  

	5.	Obey the Law 

  
 We will conduct our business in accordance with all applicable laws and regulations. Compliance with the law does not comprise our entire ethical responsibility. Rather, it is a minimum, absolutely essential condition
for performance of our duties. In conducting business, we shall: 
  

	A.	Strictly Adhere to all Antitrust Laws 

  
 Officers, directors and employees must strictly adhere to all antitrust laws. Such laws exist in the United States and in many other countries where the Company may
conduct business. These laws prohibit practices in restraint of trade such as price fixing and boycotting suppliers or customers. They also bar pricing intended to run a competitor out of business; disparaging, misrepresenting, or harassing a
competitor; stealing trade secrets; bribery; and kickbacks. 

	B.	Strictly Comply with all Securities Laws 

  
 In our role as a publicly owned company, we must always be alert to and comply with applicable securities laws and regulations. 
  

	I.	Do Not Engage in Speculative or Insider Trading 

  
 Federal law and Company policy prohibits officers, directors and employees, directly or indirectly through their families or others, from purchasing or selling company
stock while in the possession of material, non-public information concerning the Company. This same prohibition applies to trading in the stock of other publicly held companies on the basis of material, non-public information. To avoid even the
appearance of impropriety, Company policy also prohibits officers, directors and employees from trading options on the open market in Company stock under any circumstances. Material, non-public information is any information that could reasonably be
expected to affect the price of a stock. If an officer, director or employee is considering buying or selling a stock because of inside information they possess, they should assume that such information is material. It is also important for the
officer, director or employee to keep in mind that if any trade they make becomes the subject of an investigation by the government, the trade will be viewed after-the-fact with the benefit of hindsight. Consequently, officers, directors and
employees should always carefully consider how their trades would look from this perspective. Two simple rules can help protect you in this area: (1) Do not use non-public information for personal gain. (2) Do not pass along such information to
someone else who has no need to know. 
  
 This guidance also applies to the
securities of other companies for which you receive information in the course of your employment at the Company. 
  

	II.	Be Timely and Accurate in all Public Reports 

  
 As a public company, the Company must be fair and accurate in all reports filed with the United States 

 Securities and Exchange Commission. Officers, directors and management of the Company are responsible for ensuring that
all reports are filed in a timely manner and that they fairly present the financial condition and operating results of the Company. Securities laws are vigorously enforced. Violations may result in severe penalties including forced sales of parts of
the business and significant fines against the Company. There may also be sanctions against individual employees including substantial fines and prison sentences. 
  
 The principal executive officer and principal financial officer will certify to the accuracy of reports filed with the SEC in accordance
with the Sarbanes-Oxley Act of 2002. Officers and Directors who knowingly or willingly make false certifications may be subject to criminal penalties or sanctions including fines and imprisonment. 
  

	6.	Avoid Conflicts of Interest 

  
 Our officers, directors and employees have an obligation to give their complete loyalty to the best interests of the Company. They should avoid any action that may
involve, or may appear to involve, a conflict of interest with the Company. Officers, directors and employees should not have any financial or other business relationships with suppliers, customers or competitors that might impair, or even appear to
impair, the independence of any judgment they may need to make on behalf of the Company, unless such relationships are fully disclosed to the Board of Directors, are on fair terms, and are approved by the uninterested directors or shareholders.

  
 Here are some ways a conflict of interest could arise: 
  

	 	•	Employment by a competitor, or potential competitor, regardless of the nature of the employment, while employed by the Company. 

  

	 	•	Acceptance of gifts, payment, or services from those seeking to do business with the Company. 

  

	 	•	Placement of business with a firm owned or controlled by an officer, director or employee or his/her family. 

	 	•	Ownership of, or substantial interest in, a company that is a competitor, client or supplier. 

  

	 	•	Acting as a consultant to the Company customer, client or supplier. 

  
 Officers, directors and employees are under a continuing obligation to disclose any situation that presents the possibility of a conflict or disparity of interest between
the officer, director or employee and the Company. Disclosure of any potential conflict is the key to remaining in full compliance with this policy. 
  

	7.	Compete Ethically and Fairly for Business Opportunities 

  
 We must comply with the laws and regulations that pertain to the acquisition of goods and services. We will compete fairly and ethically for all business opportunities.
In circumstances where there is reason to believe that the release or receipt of non-public information is unauthorized, do not attempt to obtain and do not accept such information from any source. 
  
 If you are involved in Company transactions, you must be certain that all statements,
communications, and representations are accurate and truthful. 
  

	8.	Avoid Illegal and Questionable Gifts or Favors 

  
 The sale and marketing of our products and services should always be free from even the perception that favorable treatment was sought, received, or given in exchange for
the furnishing or receipt of business courtesies. Officers, directors and employees of the Company will neither give nor accept business courtesies that constitute, or could be reasonably perceived as constituting, unfair business inducements or
that would violate law, regulation or policies of the Company, or could cause embarrassment to or reflect negatively on the Company’s reputation. 

	9.	Maintain the Integrity of Consultants, Agents, and Representatives 

  
 Business integrity is a key standard for the selection and retention of those who represent the Company. Agents, representatives and consultants must certify their
willingness to comply with the Company’s policies and procedures and must never be retained to circumvent our values and principles. Paying bribes or kickbacks, engaging in industrial espionage, obtaining the proprietary data of a third party
without authority, or gaining inside information or influence are just a few examples of what could give us an unfair competitive advantage and could result in violations of law. 
  

	10.	Protect Proprietary Information 

  
 Proprietary Company information may not be disclosed to anyone without proper authorization. Keep proprietary documents protected and secure. In the course of normal
business activities, suppliers, customers and competitors may sometimes divulge to you information that is proprietary to their business. Respect these confidences. 
  

	11.	Obtain And Use Company Assets Wisely 

  
 Personal use of Company property must always be in accordance with corporate policy. Proper use of Company property, information resources, material, facilities and
equipment is your responsibility. Use and maintain these assets with the utmost care and respect, guarding against waste and abuse, and never borrow or remove Company property without management’s permission. 
  

	12.	Follow the Law and Use Common Sense in Political Contributions and Activities 

  
 The Company encourages its employees to become involved in civic affairs and to participate in the political process. Employees must
understand, however, that their involvement and participation must be on an individual basis, on their own time and at their own expense. In the United States, federal law prohibits corporations from donating corporate funds, goods, or services,
directly or indirectly, to candidates for federal offices — this includes employees’ work time. Local and state laws also govern political contributions and activities as they apply to their respective jurisdictions. 

	13.	Board Committees 

  
 The Board of Directors will be empowered to enforce this Code of Ethics. The Board of Directors, at least once each year, will determine the general effectiveness of the Company’s Code of Ethics, the
Company’s controls and reporting procedures and the Company’s business conduct. 
  

	14.	Disciplinary Measures 

  
 The Company shall consistently enforce its Code of Ethics and Business Conduct through appropriate means of discipline. Violations of the Code shall be promptly reported
to the Board of Directors. Pursuant to procedures adopted by it, the Board of Directors shall determine whether violations of the Code have occurred and, if so, shall determine the disciplinary measures to be taken against any employee or agent of
the Company who has so violated the Code. 
  
 The disciplinary measures, which may
be invoked at the discretion of the Board of Directors, include, but are not limited to, counseling, oral or written reprimands, warnings, probation or suspension without pay, demotions, reductions in salary, termination of employment and
restitution. 
  
 Persons subject to disciplinary measures shall include, in
addition to the violator, others involved in the wrongdoing such as (i) persons who fail to use reasonable care to detect a violation, (ii) persons who if requested to divulge information withhold material information regarding a violation, and
(iii) supervisors who approve or condone the violations or attempt to retaliate against employees or agents for reporting violations or violators.Employment Agreement

  
 Exhibit 10.7

  
 EMPLOYMENT AGREEMENT BY AND AMONG CITIZENS NATIONAL
BANK, CNB BANCORP, INC. 
 AND JERRY R. BRYANT 
  
 THIS EMPLOYMENT AGREEMENT (“Agreement”) dated as of April 29, 2003, is made by and between Citizens National Bank
a national association (the “Employer” or the “Company”) and Jerry R. Bryant, an individual resident of Virginia (the “Executive”). 
  
 The Executive has agreed to serve as Vice President and Senior Loan Officer of the Bank. The Employer recognizes that the
Executive’s contribution to the growth and success of the Bank during its initial years of operation will be a significant factor in the success of the Bank and the Company. The Employer desires to provide for the employment of the Executive in
a manner which will reinforce and encourage the dedication of the Executive to the Bank and the Company and promote the best interests of the Bank, the Company and its shareholders. The Executive is willing to serve the Employer on the terms and
conditions herein provided. 
  
 In consideration of the foregoing,
the mutual covenants contained herein, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows: 
  
 1. EMPLOYMENT. The Employer shall employ the Executive, and the
Executive shall serve the Employer, as Vice President and Senior Loan Officer of the Bank and the Company upon the terms and conditions set forth herein. The Executive shall have such authority and responsibilities consistent with his position as
are set forth in the Company’s or the Bank’s Bylaws or assigned by the Company’s or the Bank’s Board of Directors (the “Board”) from time to time. The Executive shall devote his full business time, attention, skill and
efforts to the performance of his duties hereunder, except during periods of illness or periods of vacation and leaves of absence consistent with Bank policy. The Executive may devote reasonable periods to service as a director or advisor to other
organizations, to charitable and community activities, and to managing his personal investments, provided that such activities do not materially interfere with the performance of his duties hereunder and are not in conflict or competitive with, or
adverse to, the interests of the Company or the Bank. 
  
 2.
TERM. Unless earlier terminated as provided herein, the Executive’s employment under this Agreement shall commence on the date hereof and be for a term of three (3) years (the “Term”), renewable for one (1) year periods
thereafter upon the mutual agreement of Employer and Employee. 
  
 3. COMPENSATION AND BENEFITS. 
  

	 	(a)	The Employer shall pay the Executive an initial annual base salary of $69,000. 

  

	 	(b)	For each fiscal year (for three years) after the Opening Date, the Executive shall receive a 7% increase of the of the original salary amount. 

  

	 	(c)	The Executive shall participate in the Company’s long-term equity incentive program and be eligible for the grant of stock options, restricted stock, and other awards
thereunder or under any similar plan adopted by the Company. 

  

	 	(d)	The Executive shall participate in all retirement, welfare and other benefit plans or programs of the Employer now or hereafter applicable generally to employees of the Employer or
to a class of employees that includes senior executives of the Employer. 

  

	 	(e)	The Employer shall reimburse the Executive for reasonable travel and other expenses related to the Executive’s duties which are incurred and accounted for in accordance with
the normal practices of the Employer. 

  
 4.
TERMINATION WITHOUT CAUSE; SEVERANCE PAY. Employer may terminate Executive’s employment without “cause,” as defined in Section 5 below. If Employer terminates Executive’s employment without cause, Employer shall pay
Executive severance pay equal to his regular salary, less mandatory deductions, on Employer’s regular pay days for the remainder of the term of this Agreement or twelve (12) months, whichever is longer (the “Severance Pay”). If
Executive is terminated without cause due to a Change of Control, as defined in Section 7 below, he shall be entitled to the rights set forth in Section 7. If this Agreement ends as a result of nonrenewal pursuant to Section 2, such nonrenewal shall
not be considered termination without cause. Notwithstanding the foregoing, in the event Executive elects to compete with the 

  

 
Company or the Bank in violation of Section 9 of this Employment Agreement, Employer’s obligation to pay the Severance Pay shall terminate immediately.

  
 5. TERMINATION FOR CAUSE. The Executive’s
employment may be terminated at any time by Employer for “cause.” As used in this Agreement, the term “cause” means either disloyalty, dishonesty, willful disregard or gross neglect in relation to the duties, interests and/or
obligations Executive owes to Employer. Termination for cause may also occur if Executive’s conduct constitutes a criminal act related to his duties or position with Employer, or substantially damages Employer’s reputation among its
customers, shareholders and/or in the community banking industry. Termination by Employer for cause shall be determined by the vote of at least 51% of all of the members of the Employer’s Board of Directors. If the employment is so terminated,
Executive will be entitled to receive any compensation and benefits accrued as of the date of such termination, but Employer will have no further obligation to Executive hereunder from and after such date. 
  
 6. TERMINATION BY EXECUTIVE. Executive may resign from the
employment of Employer without liability for doing so by providing ninety (90) days prior written notice. Upon such resignation, Executive shall have no rights to any further compensation or benefits after the ninety (90) day notice period has
expired. Employer reserves the right to require Executive not to work for Employer during this period, but in such event, Employer shall not be obligated to pay Executive the Executive’s base salary, and nothing more, for the entire 90 day
notice period. 
  
 7. CHANGE OF CONTROL. If there
shall occur a change of control of the Bank or the Company (“Change of Control”) as defined below, the Executive may be assigned such other duties or responsibilities as would be reasonably equivalent under the circumstances and acceptable
to the Executive in his reasonable discretion. During the first six months following the effective date of a Change of Control but not after, Executive may be “terminated without cause due to a Change of Control.” Alternatively, if
Executive is retained but not given reasonably equivalent duties and responsibilities, he may resign within six months of the effective date of the Change of Control expressly citing this reason in a written resignation. If Executive has been
terminated without cause due to a Change of Control or not been given reasonably equivalent duties and responsibilities, Executive shall receive, in lieu of any payments pursuant to Section 4, a one time payment of 1.0 times the annual base
compensation currently being provided to Executive pursuant to this Agreement. As used in this Section 7, a Change of Control of the Bank or the Company shall be deemed to have occurred if any of the events described in subparagraphs (a) through (d)
occur. 
  
 (a) Any “person” (as such
term is used in Sections 13(d) and 14(d)(2) of the Securities Exchange Act of 1934) is or becomes the beneficial owner, directly or indirectly, of securities of the Company representing twenty-five percent (25%) or more of the combined voting power
of the Company’s then outstanding securities; or 
  
 (b) During any period of two consecutive calendar years, individuals who at the beginning of such period constitute the Company’s Board of Directors cease for any reason to constitute a majority thereof unless the election or the
nomination for election by the Company’s shareholders of each new director was approved by a vote of at least two-thirds of the Company’s directors then still in office who were directors at the beginning of the period; or 
  
 (c) The approval by the Company’s shareholders of the
merger or consolidation of the Company with any other corporation or business organization, the sale of substantially all of the assets of the Company or the liquidation or dissolution of the Company, unless, in the case of a merger or
consolidation, the directors of the Company in office immediately prior to such merger or consolidation will constitute at least two-thirds of the directors of the surviving corporation or business organization of such merger or consolidation and
any parent (as such term is defined in Rule 12b-2 under the Securities Exchange Act of 1934) of such corporation or business organization; or 
  
 (d) The Company (i) sells or otherwise transfers 25% or more of the voting stock of the Bank or substantially all of the assets of the
Bank to a party other than the Company or an affiliate of the Company, or (ii) liquidates or dissolves the Bank. 
  
 A termination for cause, as that term is used in Section 5 of this Employment Agreement, of Executive by a newly controlling entity, even if such
termination for cause occurs in the first six months following a Change of Control, shall not be construed as “terminated due to a Change of Control,” and the payment of 1.0 times annual base salary provided in this Section 7 shall not be
made. 
  
 8. NONDISCLOSURE. 
  
 (a) Executive agrees to hold and safeguard any information
about the Company or the Bank gained by Executive during the course of Executive’s employment. Executive shall not, without the prior written consent of Employer, misappropriate, disclose or make available to anyone for use outside the
Company’s and the Bank’s organization at any time, either 

  

 
during his employment or subsequent to any termination of his employment, however such termination is effected, whether by Executive or Employer, with or
without cause, or expiration or nonrenewal of this Agreement, any information about the Company or the Bank or their customers or suppliers, whether or not such information was developed by Executive, except as required in the performance of
Executive’s duties for the Company or the Bank. 
  
 (b) Executive understands and agrees that any information about the Company or the Bank or the Company’s and the Bank’s customers is the property of the Company or the Bank and is essential to the protection of the Company’s
and the Bank’s goodwill and to the maintenance of the Company’s and the Bank’s competitive position and accordingly should be kept secret. Such information shall include, but not be limited to, information containing the
Company’s and the Bank’s promotional plans and strategies, pricing strategies, customers and prospective customers, customer lists, identity of key personnel in the employ of customers and prospective customers, computer programs, system
documentation, manuals, ideas, or any other records or information belonging to the Company and the Bank or relating to the Company’s and the Bank’s business. 
  
 9. RESTRICTIVE COVENANTS. 
  
 (a) Non-Competition Agreement. During the Executive’s employment with the Employer and for a
period of 12 months thereafter, the Executive shall not (without the prior written consent of the Employer) compete with the Company or the Bank or any business entity controlled by, controlling or under common control with Employer (collectively,
“Affiliates”) by, directly or indirectly, forming, serving as an organizer, director or officer of, or as an employer or consultant acting in a competitive capacity to, or acquiring or maintaining more than a 1% passive investment in, a
depository financial institution or holding company therefor if such depository institution or holding company has one or more offices or branches located within a radius of twenty-five (25) miles from (i) the main office of the Employer or (ii) any
branch office of the Employer (the “Territory”). Notwithstanding the foregoing, the Executive may serve as an officer or consultant to a depository institution or holding company therefor, even though such institution operates one or more
offices or branches in the Territory, if the Executive’s employment does not directly involve, in whole or in part, the depository financial institution’s or holding company’s operations in the Territory. This restriction applies
regardless of the reason for Executive’s termination of employment, including expiration of this Employment Agreement or any renewal term hereof, but does not apply after a Change of Control. 
  
 (b) No Solicitation of Customers. During the
Executive’s employment with the Employer and for a period of 12 months thereafter, the Executive shall not (except on behalf of or with the prior written consent of the Employer), either directly or indirectly, on the Executive’s own
behalf or in the service or on behalf of others, (A) solicit, divert, or appropriate to or for a business that competes with Employer, or (B) attempt to solicit, divert, or appropriate to or for a business that competes with Employer, any person or
entity that was a customer of the Employer or any of its Affiliates on the date of Executive’s termination, or the expiration of this Employment Agreement, including any renewal term, and is located in the Territory and with whom the Executive
has had material contact. This restriction does not apply after a Change in Control. 
  
 (c) No Recruitment of Personnel. During the Executive’s employment with the Employer and for a period of 12 months thereafter,
the Executive shall not, either directly or indirectly on the Executive’s own behalf or in the service or on behalf of others, (A) solicit, divert, or hire away, or (B) attempt to solicit, divert, or hire away, to any competing business, any
employee of or consultant to the Employer or any of its Affiliates, regardless of whether the employee or consultant is full-time or temporary, the employment or engagement is pursuant to written agreement, or the employment is for a determined
period or is at will. This restriction does not apply after a Change in Control. 
  
 (d) The Company, the Bank and Executive have examined in detail this Section 9 and agree that the restraint imposed upon Executive is
reasonable in light of the legitimate interests of Employer, and it is not unduly harsh upon Executive’s ability to earn a livelihood. 
  
 10. ARBITRATION. Except for injunctive relief sought to enforce an ongoing violation resulting in irreparable harm, any civil dispute
arising hereunder shall be settled or resolved exclusively by mediation and/or arbitration conducted in accordance with the rules of the American Arbitration Association then in effect. If arbitration is used, the arbitrator shall not have the
authority to modify this Agreement or to award punitive damages. The arbitration shall occur at a mutually convenient location or if none can be agreed upon, in the City of Norfolk, Virginia. The arbitrator’s decision shall be final and
enforceable by a court of competent jurisdiction. 
  
 11.
ENTIRE AGREEMENT. This Agreement supersedes any and all other agreements, either oral or in writing, between the parties hereto with respect to the employment of Executive by Employer and contains all the covenants and agreements between
the parties, or between or among the parties and any other persons, with respect to such employment in any manner whatsoever. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or 

  

 
otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein, and that no other agreement, statement or
promise not contained in this Agreement will be valid or binding. Any modification of this Agreement will be effective only if it is in writing signed by the party to be charged. 
  
 12. BINDING EFFECT AND ASSIGNMENT. This Agreement will be binding upon and inure to the benefit of each of the
parties and their successors. Employer may assign this Agreement, subject to the provisions of this Section 12, and such assignee shall then acquire all the rights and obligations of Employer hereunder. 
  
 13. LAW GOVERNING AGREEMENT. This Agreement will be governed
and construed in accordance with the laws of the Commonwealth of Virginia. 
  
 14. PARTIAL INVALIDITY. If, in any proceeding seeking injunctive relief, any provision in this Agreement is held by a court of competent jurisdiction to be invalid, void or unenforceable, such court is
hereby authorized and requested by the parties to modify such provision to the extent the court deems necessary to award appropriate injunctive relief. 
  
 15. SEVERABILITY. If any clause or provision of this Agreement is held to be illegal, invalid, or unenforceable under present or future laws
effective during the term hereof, then the remainder of this Agreement shall not be affected thereby, and in lieu of each clause or provision of this Agreement which is illegal, invalid or unenforceable, there shall be added, as a part of this
Agreement, a clause or provision as similar in terms to such illegal, invalid or unenforceable clause or provision as may be possible and as may be legal, valid, and enforceable. 
  
 16. NOTICES. Any notices to be given hereunder by either party to the other may be effected either by personal
delivery in writing or by mail, registered or certified, postage prepaid, with return receipt requested. Mailed notices will be addressed to the parties at the addresses appearing herein, but each party may change his address by written notice in
accordance with this Section 15. Notices delivered personally will be deemed communicated as of actual receipt; mailed notices will be deemed communicated as of five (5) days after mailing: 
  

							
	 	 	 TO:
	  	 Citizens National Bank
	  	 
	 	 	 	  	 P. O. Box 100
	  	 
	 	 	 	  	 Windsor, VA 23487
	  	 
				
	 	 	 	  	 Attention: President
	  	 
				
	 	 	 TO:
	  	 Jerry R. Bryant
	  	 
	 	 	 	  	 	  	 
	 	 	 	 	
	 	 
	 	 	 	  	 	  	 
	 	 	 	 	
	 	 
	 	 	 	  	 	  	 
	 	 	 	 	
	 	 

  
 17.
COUNTERPARTS. This Agreement may be executed in counterparts, together which shall constitute one and the same instrument. 
  
 IN WITNESS WHEREOF, Employer has caused this Agreement to be executed in its name and behalf by its proper officers, thereunto duly authorized, and
Executive has set his hand and seal as of the date first above written. 
  

			
	 CITIZENS NATIONAL BANK

		
	By:	 	 /s/ G. Stewart Tyler

	 	 	

	 	 	 Chairman

	
	 EXECUTIVE

	
	 /s/ Jerry R. Bryant

	

	 Jerry R. Bryant

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