I Opinion Other Matter In our opinion,  the financial statements referred to above present fairly,  in all material respects, the financial position of York Traditions Bank as of December 31, 2013 and the results of its operations and its cash flows for the year then ended in accordance with accounting principles generally accepted in the United States of America.  The 2012 financial statements of York Traditions Bank were audited by other auditors, whose report dated February 15, 2013 expressed an unmodified opinion on those statements.  February 19, 2014 4