CHFC 2018 Annual Report

Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure. None. 169 Item 9A. Controls and Procedures. Disclosure Controls and Procedures The Corporation's management is responsible for establishing and maintaining effective disclosure controls and procedures, as defined under Rules 13a-15(e) and 15d-15(e) of the Securities ExchangeAct of 1934 (ExchangeAct).An evaluation was performed under the supervision and with the participation of the Corporation's management, including the Chief Executive Officer and Chief Financial Officer, of the effectiveness of the Corporation's disclosure controls and procedures as of the end of the period covered by thisAnnual Report. Based on and as of the time of that evaluation, the Corporation's management, including the Chief Executive Officer and Chief Financial Officer, concluded that the Corporation's disclosure controls and procedures were effective to ensure that information required to be disclosed by the Corporation in the reports it files or submits under the Exchange Act is recorded, processed, summarized, and reported, within the time periods specified in the SECs rules and forms. Changes in Internal Controls Over Financial Reporting There were no changes to the Corporation's internal controls over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) during the fourth quarter ended December 31, 2018 that materially affected, or are reasonably likely to materially affect, the Corporation's internal controls over financial reporting.