Citizens Bank of West Virginia Fund

TYPE OF FUND: Unrestricted

PURPOSE: General charitable needs

DISTRIBUTION: Recommendation by the Grants Committee and approval by the full Board of
Directors of TCF.

VARIANCE POWER: If, in the judgment of the TCF Board of Directors, the restrictions and
conditions of the fund become unnecessary, incapable of fulfillment or inconsistent with the charitable
needs of the community, the TCF Board of Directors maintains the right to modify the terms of this fund.

FUNDING: Initiated June 19, 1990. The fifth $1,000 payment was made in 1995.

BACKGROUND: The fund was established as the Citizens National Bank Fund. The bank changed its
name to Citizens Bank of West Virginia in 2009 and in January 2011 the board voted to change the name
of the fund to reflect that change.