Heritage Financial Holding Sample Contracts

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APPENDIX A
Plan of Reorganization and Agreement • November 9th, 2000 • Heritage Financial Holding • Blank checks
AGREEMENT AND PLAN OF MERGER BY AND AMONG THE PEOPLES HOLDING COMPANY, THE PEOPLES BANK & TRUST COMPANY, HERITAGE FINANCIAL HOLDING CORPORATION, AND HERITAGE BANK DATED JULY 15, 2004
Plan of Merger • July 20th, 2004 • Heritage Financial Holding • National commercial banks • Alabama

AGREEMENT AND PLAN OF MERGER (“Agreement”), dated as of July 15, 2004, by and among The Peoples Holding Company, a Mississippi corporation (“Acquiror”), and The Peoples Bank & Trust Company, a Mississippi banking association (“Acquiror Sub”), on the one hand, and Heritage Financial Holding Corporation, a Delaware corporation (“Seller”), and Heritage Bank, an Alabama banking association (“Seller Subsidiary”), on the other hand. Each of Acquiror, Acquiror Sub, Seller and Seller Subsidiary is a party (“party”) hereto, and one or more of them are parties (“parties”) to this Agreement as the context may require.

1 EXHIBIT A
Incentive Stock Option Agreements • May 20th, 2002 • Heritage Financial Holding • National commercial banks
1 2 Tuesday, March 12, 2002, during which meeting the Corporation, the Bank and Mr. Gilbert each agreed to enter into that certain Retirement, Release and Settlement Agreement;
Retirement Release and Settlement Agreement • May 20th, 2002 • Heritage Financial Holding • National commercial banks • Alabama
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