CENTRAL FEDERAL CORP Contracts & Agreements

Agreement to furnish instruments defining rights of holders of long-term debt (Filed With SEC on March 31, 2023)

Deferred Cash Incentive Agreement, dated as of December 29, 2022, by and between CFBank and Timothy T. ODell (Filed With SEC on March 31, 2023)

Deferred Cash Incentive Agreement, dated as of August 23, 2021, by and between CFBank and Bradley Ringwald (Filed With SEC on March 31, 2023)

Deferred Cash Incentive Agreement, dated as of August 23, 2021, by and between CFBank and Kevin Beerman (Filed With SEC on March 31, 2023)

Employment Agreement, dated January 25, 2023, by and among the Company, the Bank and Bradley Ringwald (Filed With SEC on January 27, 2023)

Employment Agreement, dated January 25, 2023, by and among the Company, the Bank and Kevin Beerman (Filed With SEC on January 27, 2023)

Deferred Cash Inventive Agreement by and between CFBank National Association and Kevin Beerman (Filed With SEC on May 10, 2022)

Deferred Cash Inventive Agreement by and between CFBank National Association and Brad Ringwald (Filed With SEC on May 10, 2022)

Agreement to furnish instruments defining rights of holders of long-term debt (Filed With SEC on March 16, 2022)

Description of Capital Stock (Filed With SEC on March 23, 2021)

Agreement to furnish instruments defining rights of holders of long-term debt (Filed With SEC on March 23, 2021)

Resignation Agreement and General Release, dated June 19, 2020, among Central Federal Corporation, CFBank and John W. Helmsdoerfer (Filed With SEC on June 25, 2020)

Agreement to furnish instruments defining rights of holders of long-term debt (Filed With SEC on March 16, 2020)

Form of Employee Restricted Stock Award Agreement under the Central Federal Corporation 2019 Equity Compensation Plan (Filed With SEC on March 16, 2020)

Form of Director Restricted Stock Award Agreement under the Central Federal Corporation 2019 Equity Compensation Plan (Filed With SEC on March 16, 2020)

Registration Rights Agreement, dated October 31, 2019, by and among the Company, Castle Creek Capital Partners VII, L.P. and certain other purchasers (Filed With SEC on October 31, 2019)

Securities Purchase Agreement, dated October 25, 2019, by and among the Company, Castle Creek Capital Partners VII, L.P. and certain other purchasers (Filed With SEC on October 31, 2019)

Employment Agreement, dated April 22, 2019, by and among the Company, the Bank and Timothy T. ODell (Filed With SEC on April 26, 2019)

Employment Agreement, dated April 22, 2019, by and among the Company, the Bank and John W. Helmsdoerfer (Filed With SEC on April 26, 2019)

Agreement to furnish instruments defining rights of holders of long-term debt (Filed With SEC on March 15, 2019)

Form of Subordinated Note Purchase Agreement by and between the Company and the several Purchasers (Filed With SEC on December 21, 2018)

Form of 7.00% Fixed-to-Floating Rate Subordinated Note due 2028 (Filed With SEC on December 21, 2018)

Agreement to furnish instruments defining rights of holders of long-term debt (Filed With SEC on March 15, 2018)

Amendment to Employment Agreement, dated April 30, 2017, by and among Central Federal Corporation, CFBank and Timothy T. ODell (Filed With SEC on November 9, 2017)

Amendment to Employment Agreement, dated April 30, 2017, by and among Central Federal Corporation, CFBank and John W. Helmsdoerfer (Filed With SEC on November 9, 2017)

EMPLOYMENT AGREEMENT (Filed With SEC on August 16, 2016)

CENTRAL FEDERAL CORPORATION INCENTIVE COMPENSATION PLAN (Filed With SEC on August 16, 2016)

RESIGNATION AGREEMENT AND GENERAL RELEASE (Filed With SEC on November 5, 2015)

CENTRAL FEDERAL CORPORTION 2009 EQUITY COMPENSATION PLAN EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT (Filed With SEC on November 3, 2015)

CENTRAL FEDERAL CORPORTION 2009 EQUITY COMPENSATION PLAN DIRECTOR RESTRICTED STOCK AWARD AGREEMENT (Filed With SEC on November 3, 2015)

FORM OF WARRANT (Filed With SEC on May 13, 2014)

FORM OF CENTRAL FEDERAL CORPORATION REGISTRATION RIGHTS AGREEMENT (Filed With SEC on May 13, 2014)

CENTRAL FEDERAL CORPORATION 2009 EQUITY COMPENSATION PLAN INCENTIVE STOCK OPTION AWARD AGREEMENT (Filed With SEC on April 1, 2013)

CENTRAL FEDERAL CORPORATION 2009 EQUITY COMPENSATION PLAN NON-QUALIFIED STOCK OPTION AWARD AGREEMENT (Filed With SEC on April 1, 2013)

SECURITIES PURCHASE AGREEMENT by and between THE UNITED STATES DEPARTMENT OF THE TREASURY and CENTRAL FEDERAL CORPORATION Dated as of September 12, 2012 Table of Contents (Filed With SEC on October 1, 2012)

FINANCIAL ADVISORY SERVICES AGREEMENT Central Federal Corporation (a Delaware corporation) Up to 30,000,000 Shares of Common Stock Including Subscription Rights to Purchaseup to... (Filed With SEC on February 3, 2012)

AMENDED STANDBY PURCHASE AGREEMENT (Filed With SEC on February 3, 2012)

FINANCIAL ADVISORY SERVICES AGREEMENT Central Federal Corporation (a Delaware corporation) Up to 30,000,000 Shares of Common Stock Including Subscription Rights to Purchaseup to... (Filed With SEC on November 16, 2011)

STANDBY PURCHASE AGREEMENT (Filed With SEC on August 11, 2011)

UNITED STATES OF AMERICA Before the OFFICE OF THRIFT SUPERVISION ) In the Matter of ) Order No.: CN 11-15 ) ) CENTRAL FEDERAL CORPORATION ) Effective Date: May 25, 2011 ) )... (Filed With SEC on May 27, 2011)

UNITED STATES OF AMERICA Before the OFFICE OF THRIFT SUPERVISION ) In the Matter of ) Order No.: CN 11-14 ) ) CFBANK ) Effective Date: May 25, 2011 ) ) Fairlawn, Ohio ) OTS Docket... (Filed With SEC on May 27, 2011)

WARRANT TO PURCHASE COMMON STOCK (Filed With SEC on December 5, 2008)

United States Department of the Treasury 1500 Pennsylvania Avenue, NW Washington, D.C. 20220 (Filed With SEC on December 5, 2008)

Name: Title: (Filed With SEC on December 5, 2008)

Third Amendment to Employment Agreement between Central Federal Corporation and David C. Vernon THIRD AMENDMENT TO EMPLOYMENT AGREEMENT CENTRAL FEDERAL CORPORATION (Filed With SEC on January 9, 2007)

Third Amendment to Employment Agreement between CFBank and David C. Vernon THIRD AMENDMENT TO EMPLOYMENT AGREEMENT CFBANK (Filed With SEC on January 9, 2007)

CENTRAL FEDERAL CORPORATION (a Delaware corporation) 2,000,000 Shares of Common Stock UNDERWRITING AGREEMENT (Filed With SEC on January 13, 2006)