C & F FINANCIAL CORP Contracts & Agreements

Nonqualified Supplemental Deferred Compensation Plan, Plan Document, for C&F Financial Corporation Nonqualified Deferred Compensation Plan for Directors and Executives (Filed With SEC on November 8, 2022)

Nonqualified Supplemental Deferred Compensation Plan Adoption Agreement, effective January 1, 2023, for C&F Financial Corporation Non-Qualified Deferred Compensation Plan for... (Filed With SEC on November 8, 2022)

Form of C&F Financial Corporation Restricted Stock Agreement for Non-Employee Directors (approved May 17, 2022) (Filed With SEC on August 1, 2022)

Form of C&F Financial Corporation Restricted Stock Agreement for Key Employees (approved May 17, 2022) (Filed With SEC on August 1, 2022)

C&F Financial Corporation 2022 Stock and Incentive Compensation Plan (Filed With SEC on April 21, 2022)

Amended and Restated Change in Control Agreement dated December 23, 2021 by and among C&F Financial Corporation, Citizens and Farmers Bank and John Anthony Seaman (Filed With SEC on March 1, 2022)

Form of C&F Financial Corporation Restricted Stock Agreement for Key Employees (approved February 15, 2022) (Filed With SEC on March 1, 2022)

Amended and Restated Adoption Agreement, effective January 1, 2021, for C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective... (Filed With SEC on March 1, 2022)

Employment Agreement (Amended and Restated) between C&F Mortgage Corporation and Bryan McKernon, dated February 15, 2022 (Filed With SEC on February 16, 2022)

Second Amended and Restated Change in Control Agreement dated February 15, 2022 by and among C&F Financial Corporation, C&F Mortgage Corporation and Bryan E. McKernon (Filed With SEC on February 16, 2022)

Employment Agreement dated December 23, 2021 by and among C&F Financial Corporation, Citizens and Farmers Bank and Thomas F. Cherry (Filed With SEC on December 27, 2021)

Employment Agreement dated December 23, 2021 by and among C&F Financial Corporation, Citizens and Farmers Bank and Jason E. Long (Filed With SEC on December 27, 2021)

Employment Agreement dated December 23, 2021 by and among C&F Financial Corporation, C&F Finance Company and S. Dustin Crone (Filed With SEC on December 27, 2021)

Second Amended and Restated Change in Control Agreement dated December 23, 2021 by and among C&F Financial Corporation, Citizens and Farmers Bank and Thomas F. Cherry (Filed With SEC on December 27, 2021)

Amended and Restated Change in Control Agreement dated December 23, 2021 by and among C&F Financial Corporation, Citizens and Farmers Bank and Jason E. Long (Filed With SEC on December 27, 2021)

Amended and Restated Change in Control Agreement dated December 23, 2021 by and among C&F Financial Corporation, C&F Finance Company and S. Dustin Crone (Filed With SEC on December 27, 2021)

Second Amended and Restated Change in Control Agreement dated December 23, 2021 by and among C&F Financial Corporation, Citizens and Farmers Bank and Larry G. Dillon (Filed With SEC on December 27, 2021)

C&F Financial Corporation Management Incentive Plan, as amended and restated, effective January 1, 2022 (Filed With SEC on December 27, 2021)

Termination Agreement dated as of November 1, 2021 by and among C&F Finance Company and Wells Fargo Bank, N.A (Filed With SEC on November 5, 2021)

Amendment to C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective January 1, 2018), effective January 1, 2018 (Filed With SEC on March 3, 2021)

Amendment to C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective January 1, 2018), effective November 1, 2018 (Filed With SEC on March 3, 2021)

Amendment to C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective January 1, 2018), effective January 1, 2020 (Filed With SEC on March 3, 2021)

Adoption Agreement for C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective January 1, 2018) (Updated Form January 1, 2020) (Filed With SEC on March 3, 2021)

Amendment to C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Directors (As Restated Effective January 1, 2018), effective January 1, 2018 (Filed With SEC on March 3, 2021)

Amendment to C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Directors (As Restated Effective January 1, 2018), effective November 1, 2018 (Filed With SEC on March 3, 2021)

Adoption Agreement for C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Directors (As Restated Effective January 1, 2018) (Updated Form January 1, 2020) (Filed With SEC on March 3, 2021)

Form of Subordinated Note (Filed With SEC on September 30, 2020)

Form of Subordinated Note Purchase Agreement (Filed With SEC on September 30, 2020)

Ninth Amendment to Amended and Restated Loan and Security Agreement by and among Wells Fargo Bank, N.A., various financial institutions and C&F Finance Company dated as of May 8,... (Filed With SEC on May 13, 2020)

Description of Securities Registered under Section 12(b) of the Securities Exchange Act of 1934 (Filed With SEC on March 3, 2020)

Specimen Common Stock Certificate of C&F Financial Corporation (Filed With SEC on September 27, 2019)

Agreement and Plan of Reorganization dated August 13, 2019 between C&F Financial Corporation and Peoples Bankshares, Incorporated (Filed With SEC on August 16, 2019)

C&F Financial Corporation Management Incentive Plan dated June 13, 2019 (Filed With SEC on June 14, 2019)

Eighth Amendment to Amended and Restated Loan and Security Agreement by and among Wells Fargo Bank, N.A., various financial institutions and C&F Finance Company dated as of April... (Filed With SEC on May 8, 2019)

Schedule of C&F Financial Corporation Non-Employee Directors Annual Compensation (Filed With SEC on March 8, 2018)

Base Salaries for Executive Officers of C&F Financial Corporation (Filed With SEC on March 8, 2018)

Seventh Amendment to Amended and Restated Loan and Security Agreement by and among Wells Fargo Bank, N.A., various financial institutions and C&F Finance Company dated as of... (Filed With SEC on March 8, 2018)

C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (Filed With SEC on March 8, 2018)

Adoption agreement for the C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective January 1, 2018) (Filed With SEC on March 8, 2018)

Attachment to the Adoption Agreement for C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Executives (As Restated Effective January 1, 2018) (Filed With SEC on March 8, 2018)

C&F Financial Corporation Non-Qualified Deferred Compensation Plan for Directors (Filed With SEC on March 8, 2018)

Adoption agreement for the C&F Financial Corporation Non-Qualifed Deferred Compensation Plan for Directors (As Restated Effective January 1, 2018) (Filed With SEC on March 8, 2018)

C&F Financial Corporation Management Incentive Plan dated February 20, 2018 (Filed With SEC on February 26, 2018)

SIXTH AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on August 8, 2017)

SCHEDULE OF NON-EMPLOYEE DIRECTORS’ ANNUAL COMPENSATION OF C&F FINANCIAL CORPORATION Effective January 1, 2017 (Filed With SEC on March 7, 2017)

BASE SALARIES FOR EXECUTIVE OFFICERS OF C&F FINANCIAL CORPORATION (Filed With SEC on March 7, 2017)

C&F FINANCIAL CORPORATION Management Incentive Plan ARTICLE I OBJECTIVE OF THE PLAN (Filed With SEC on March 7, 2017)

FIFTH AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on November 7, 2016)

CHANGE IN CONTROL AGREEMENT (Filed With SEC on May 9, 2016)

SCHEDULE OF NON-EMPLOYEE DIRECTORS’ ANNUAL COMPENSATION OF C&F FINANCIAL CORPORATION Effective January 1, 2016 (Filed With SEC on March 4, 2016)

BASE SALARIES FOR EXECUTIVE OFFICERS OF C&F FINANCIAL CORPORATION (Filed With SEC on March 4, 2016)

C&F FINANCIAL CORPORATION 2013 STOCK AND INCENTIVE COMPENSATION PLAN RESTRICTED STOCK AGREEMENT (Chief Executive Officer) Granted <<DATE>> (Filed With SEC on March 4, 2016)

C&F FINANCIAL CORPORATION 2013 STOCK AND INCENTIVE COMPENSATION PLAN RESTRICTED STOCK AGREEMENT (Key Employee) Granted <<DATE>> (Filed With SEC on March 4, 2016)

C&F FINANCIAL CORPORATION 2013 STOCK AND INCENTIVE COMPENSATION PLAN RESTRICTED STOCK AGREEMENT (Non-Employee Director) Granted <<DATE>> (Filed With SEC on March 4, 2016)

Management Incentive Plan ARTICLE I OBJECTIVE OF THE PLAN (Filed With SEC on March 4, 2016)

FOURTH AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on November 6, 2015)

CHANGE IN CONTROL AGREEMENT (Filed With SEC on August 7, 2015)

SCHEDULE OF NON-EMPLOYEE DIRECTORS’ ANNUAL COMPENSATION OF C&F FINANCIAL CORPORATION Effective January 1, 2015 (Filed With SEC on March 11, 2015)

BASE SALARIES FOR EXECUTIVE OFFICERS OF C&F FINANCIAL CORPORATION (Filed With SEC on March 11, 2015)

C&F Financial Corporation Management Incentive Plan ARTICLE I OBJECTIVE OF THE PLAN (Filed With SEC on March 9, 2015)

Form of C&F Financial Corporation Restricted Stock Agreement (approved May 2012) (Filed With SEC on March 5, 2013)

Employment Agreement (Amended and Restated) between C&F Mortgage Corporation and Bryan McKernon, dated January 1, 2013 (Filed With SEC on March 5, 2013)

Schedule of C&F Financial Corporation Non-Employee Directors' Annual Compensation (Filed With SEC on March 5, 2013)

Base Salaries for Named Executive Officers of C&F Financial Corporation (Filed With SEC on March 5, 2013)

Second Amendment to Amended and Restated Loan and Security Agreement by and among Wells Fargo Bank, N.A., various financial institutions and C&F Finance Company dated as of... (Filed With SEC on November 8, 2012)

Letter Agreement, dated April 11, 2012, between C&F Financial Corporation and the United States Department of the Treasury (Filed With SEC on April 12, 2012)

Amendment to Amended and Restated Change in Control Agreement dated March 1, 2012 between C&F Financial Corporation and Thomas F. Cherry (Filed With SEC on March 5, 2012)

Amendment to Amended and Restated Change in Control Agreement dated March 1, 2012 between C&F Financial Corporation and Bryan McKernon (Filed With SEC on March 5, 2012)

Schedule of C&F Financial Corporation Non-Employee Directors Annual Compensation (Filed With SEC on March 5, 2012)

Base Salaries for Named Executive Officers of C&F Financial Corporation (Filed With SEC on March 5, 2012)

Form of Notice of Amendment to C&F Financial Corporation Incentive Stock Option Agreement (Filed With SEC on November 8, 2011)

United States Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 (Filed With SEC on July 28, 2011)

C&F FINANCIAL CORPORATION MANAGEMENT INCENTIVE PLAN ARTICLE I OBJECTIVE OF THE PLAN (Filed With SEC on March 3, 2011)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF C&F FINANCIAL CORPORATION (Filed With SEC on March 3, 2011)

FIRST AMENDMENT TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (Filed With SEC on August 6, 2010)

VIRGINIA BANKERS ASSOCIATION MODEL NON-QUALIFIEDDEFERRED COMPENSATION PLAN FOR EXECUTIVES (As Restated Effective January 1, 2008) AMENDMENT TO ADOPTION AGREEMENT (Filed With SEC on March 3, 2010)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF C&F FINANCIAL CORPORATION (Filed With SEC on March 3, 2010)

AMENDED AND RESTATED C&F FINANCIAL CORPORATION 2004 INCENTIVE STOCK PLAN FORM OF RESTRICTED STOCK AGREEMENT (Filed With SEC on December 8, 2009)

CHANGE IN CONTROL AGREEMENT (AMENDED AND RESTATED) (Filed With SEC on March 9, 2009)

VIRGINIA BANKERS ASSOCIATION MODEL NON-QUALIFIED DEFERRED COMPENSATION PLAN (Filed With SEC on March 9, 2009)

AMENDMENT TO EMPLOYMENT AGREEMENT (Filed With SEC on March 9, 2009)

CHANGE IN CONTROL AGREEMENT (AMENDED AND RESTATED) (Filed With SEC on March 9, 2009)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF (Filed With SEC on March 9, 2009)

WARRANT TO PURCHASE COMMON STOCK (Filed With SEC on January 14, 2009)

UNITED STATES DEPARTMENT OF THE TREASURY 1500 PENNSYLVANIA AVENUE, NW WASHINGTON, D.C. 20220 (Filed With SEC on January 14, 2009)

WAIVER (Filed With SEC on January 14, 2009)

C&F FINANCIAL CORPORATION Capital Purchase Program Agreement (Filed With SEC on January 14, 2009)

AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT by and among (Filed With SEC on August 28, 2008)

AMENDED AND RESTATED C&F FINANCIAL CORPORATION (Filed With SEC on August 8, 2008)

VIRGINIA BANKERS ASSOCIATION MODEL NON-QUALIFIED DEFERRED COMPENSATION PLAN (Filed With SEC on March 7, 2008)

ATTACHMENT TO THE ADOPTION AGREEMENT FOR (Filed With SEC on March 7, 2008)

VIRGINIA BANKERS ASSOCIATION MODEL NON-QUALIFIED DEFERRED COMPENSATION PLAN (Filed With SEC on March 7, 2008)

AMENDED AND RESTATED C&F FINANCIAL CORPORATION 1994 INCENTIVE STOCK PLAN (as of December 18, 2007) (Filed With SEC on March 7, 2008)

AMENDED & RESTATED C&F FINANCIAL CORPORATION (Filed With SEC on March 7, 2008)

AMENDED AND RESTATED C&F FINANCIAL CORPORATION 1999 REGIONAL DIRECTOR STOCK COMPENSATION PLAN (as amended December 18, 2007) ARTICLE I DEFINITIONS (Filed With SEC on March 7, 2008)

AMENDED AND RESTATED C&F FINANCIAL CORPORATION (Filed With SEC on March 7, 2008)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF (Filed With SEC on March 7, 2008)

FOURTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (Filed With SEC on March 7, 2008)

THIRD AMENDMENT TO LOAN AND SECURITY AGREEMENT (Filed With SEC on August 3, 2007)

SECOND AMENDMENT TO LOAN AND SECURITY AGREEMENT (Filed With SEC on May 9, 2007)

VIRGINIA BANKERS ASSOCIATION MODEL NON-QUALIFIED DEFERRED COMPENSATION PLAN (Filed With SEC on March 9, 2007)

AMENDMENT TO ATTACHMENT TO THE ADOPTION AGREEMENT FOR (Filed With SEC on March 9, 2007)

EMPLOYMENT AGREEMENT (Filed With SEC on March 9, 2007)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF (Filed With SEC on March 9, 2007)

FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT (Filed With SEC on March 9, 2007)

C&F FINANCIAL CORPORATION 2004 INCENTIVE STOCK PLAN (Filed With SEC on December 18, 2006)

C&F Financial Corporation Management Incentive Plan (Filed With SEC on March 9, 2006)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF (Filed With SEC on March 9, 2006)

LOAN AND SECURITY AGREEMENT by and between (Filed With SEC on August 5, 2005)

C&F FINANCIAL CORPORATION, (Filed With SEC on July 21, 2005)

GUARANTEE AGREEMENT by and between C&F FINANCIAL CORPORATION (Filed With SEC on July 21, 2005)

AMENDED AND RESTATED DECLARATION (Filed With SEC on July 21, 2005)

CHANGE IN CONTROL AGREEMENT (AMENDED AND RESTATED) (Filed With SEC on March 3, 2005)

C&F Financial Corporation Management Incentive Plan (Filed With SEC on March 3, 2005)

EMPLOYMENT AGREEMENT (Filed With SEC on March 3, 2005)

CHANGE IN CONTROL AGREEMENT (AMENDED AND RESTATED) (Filed With SEC on March 3, 2005)

C&F FINANCIAL CORPORATION SCHEDULE OF NON-EMPLOYEE DIRECTORS ANNUAL COMPENSATION Effective December 21, 2004 (Filed With SEC on March 3, 2005)

BASE SALARIES FOR NAMED EXECUTIVE OFFICERS OF C&F FINANCIAL CORPORATION (Filed With SEC on March 3, 2005)

C&F FINANCIAL CORPORATION (Filed With SEC on December 29, 2004)

C&F FINANCIAL CORPORATION 2004 INCENTIVE STOCK PLAN ARTICLE I Establishment, Purpose, and Duration (Filed With SEC on May 6, 2004)

AMENDMENT TO CHANGE IN CONTROL AGREEMENT (Filed With SEC on November 13, 2003)

CHANGE IN CONTROL AGREEMENT (Filed With SEC on March 14, 2003)

WRITTEN DESCRIPTION OF MANAGEMENT INCENTIVE BONUS POLICY (Filed With SEC on March 14, 2003)