BUSINESS COMBINATION AGREEMENT ANDExecution Version • January 2nd, 2019 • Georgia
Contract Type FiledJanuary 2nd, 2019 JurisdictionPLAN OF MERGERS (this “Agreement”), dated as of December 20, 2018, is by and among CCF Holding Company, a Georgia corporation (“CCF”), Heritage Bancorporation, Inc., a Georgia corporation (“HBI”), and Providence Bank, a Georgia state-chartered bank (“Providence”).