CF Bankshares enters deferred cash incentive agreement with CEO Tim O'Dell; 2022 target award $95,000

CF BANKSHARES INC.

DCI Agreement defers up to 20% of CEO's base salary as annual incentive; 2022 target $95,000.
2022 performance criteria: ROA, Net Interest Margin, Total Loan Growth, Total Core Deposit Growth.
Deferral account vests over 4 years; payout at Normal Annual Distribution Date or upon attaining age 75.
Early termination, disability, death, or change in control triggers accelerated lump-sum payment.
Claw-back provision allows CFBank to reduce or recover benefits for safety-and-soundness concerns.

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