HVBC 2018 Proxy Statement

3501 Masons Mill Road, Suite 401 Huntingdon Valley, Pennsylvania 19006 (267) 280-4000 May 9, 2018 Dear Stockholder: We cordially invite you to attend the Special Meeting of Stockholders of HV Bancorp, Inc. The special meeting will be held at Huntingdon Valley Bank located at 1388 West Street Road, Warminster, Pennsylvania at 3:00 p.m., local time, on June 13, 2018. The business to be conducted at the Special Meeting, as described in the enclosed Notice of Special Meeting and Proxy Statement, is the vote of HV Bancorp, Inc. stockholders to approve the HV Bancorp, Inc. 2018 Equity Incentive Plan. Our Board of Directors has determined that implementing the 2018 Equity Incentive Plan is in the best interests of HV Bancorp, Inc. and its stockholders. For the reasons set forth in the Proxy Statement, the Board of Directors unanimously recommends a vote “FOR” the 2018 Equity Incentive Plan. It is important that your shares be represented at the special meeting, whether or not you plan to attend personally. Please complete, sign and date the enclosed proxy card and return it as soon as possible in the postage-paid envelope provided so that your shares will be represented at the special meeting. Alternatively, you may vote through the Internet or by telephone. Information and applicable deadlines for voting through the Internet or by telephone are set forth in the enclosed proxy card instructions. You may revoke your proxy at any time prior to its exercise, and you may attend the special meeting and vote in person, even if you have previously returned your proxy card or voted via the Internet or by telephone. However, if you are a stockholder whose shares are not registered in your own name, you will need additional documentation from your record holder to vote personally at the special meeting. We thank you for your prompt attention to this matter and appreciate your support. Sincerely, Travis J. Thompson Chairman, President and Chief Executive Officer