MERGER AGREEMENT This Merger Agreement ("Agreement") is entered into as of this 13th day of October 1997, by and between Wayne Bancorp, Inc. (hereinafter called "Wayne") and Chippewa Valley Bancshares, Inc. (hereinafter called "CVB"). RECITALS A....Merger Agreement • October 27th, 1997 • Wayne Bancorp Inc /Oh/ • State commercial banks • Ohio
