EXCHANGE AGENT AGREEMENT Marine Midland Bank 140 Broadway, 12th Floor New York, New York 10005-1180 Ladies and Gentlemen: HUBCO, Inc. (the "Company") proposes to make an offer (the "Exchange Offer") to exchange its outstanding 8.20% Subordinated...Ehibit 99 • November 5th, 1996 • Hubco Inc • State commercial banks • Midland
