<SEC-DOCUMENT>0001281761-24-000057.txt : 20240729
<SEC-HEADER>0001281761-24-000057.hdr.sgml : 20240729
<ACCEPTANCE-DATETIME>20240729170506
ACCESSION NUMBER:		0001281761-24-000057
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		18
CONFORMED PERIOD OF REPORT:	20240725
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240729
DATE AS OF CHANGE:		20240729

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			REGIONS FINANCIAL CORP
		CENTRAL INDEX KEY:			0001281761
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				630589368
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34034
		FILM NUMBER:		241153258

	BUSINESS ADDRESS:	
		STREET 1:		1900 FIFTH AVENUE NORTH
		CITY:			BIRMINGHAM
		STATE:			AL
		ZIP:			35203
		BUSINESS PHONE:		800-734-4667

	MAIL ADDRESS:	
		STREET 1:		1900 FIFTH AVENUE NORTH
		CITY:			BIRMINGHAM
		STATE:			AL
		ZIP:			35203

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEW REGIONS FINANCIAL CORP
		DATE OF NAME CHANGE:	20040225
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>rf-20240725.htm
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<title>rf-20240725</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="c-1" name="dei:EntityCentralIndexKey" id="f-33">0001281761</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:AmendmentFlag" format="ixt:fixed-false" id="f-34">False</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:CurrentFiscalYearEndDate" format="ixt:date-month-day" id="f-35">12/31</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="rf-20240725.xsd"/></ix:references><ix:resources><xbrli:context id="c-1"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001281761</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2024-07-25</xbrli:startDate><xbrli:endDate>2024-07-25</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-2"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001281761</xbrli:identifier><xbrli:segment><xbrldi:explicitMember 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dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesCPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-07-25</xbrli:startDate><xbrli:endDate>2024-07-25</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-5"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001281761</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-07-25</xbrli:startDate><xbrli:endDate>2024-07-25</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-6"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001281761</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesFPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-07-25</xbrli:startDate><xbrli:endDate>2024-07-25</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="ic3afdae334f74126bdd55d81cf05b3c8_1"></div><div style="min-height:36pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Washington, DC 20549</span></div><div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:18.472%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:16pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="c-1" name="dei:DocumentType" id="f-1">8-K</ix:nonNumeric></span></div><div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:18.472%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:121%">CURRENT REPORT</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PURSUANT TO SECTION 13 OR 15(D)</span></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">OF THE SECURITIES EXCHANGE ACT OF 1934</span></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Date of Report (Date of earliest event reported): <ix:nonNumeric contextRef="c-1" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="f-2">July 25, 2024</ix:nonNumeric></span></div><div style="margin-bottom:6pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:18.472%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:21pt;font-weight:700;line-height:90%"><ix:nonNumeric contextRef="c-1" name="dei:EntityRegistrantName" id="f-3">REGIONS FINANCIAL CORPORATION</ix:nonNumeric></span></div><div style="margin-bottom:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">(Exact name of registrant as specified in its charter)</span></div><div style="margin-bottom:3pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:18.472%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:31.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.356%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.356%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.864%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen" id="f-4">Delaware</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityFileNumber" id="f-5">001-34034</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityTaxIdentificationNumber" id="f-6">63-0589368</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">State or other jurisdiction of incorporation)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">(Commission File Number)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:107%">(IRS. Employer Identification No.)</span></div></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressAddressLine1" id="f-7">1900 Fifth Avenue North</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:107%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressCityOrTown" id="f-8">Birmingham</ix:nonNumeric>, <ix:nonNumeric contextRef="c-1" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen" id="f-9">Alabama</ix:nonNumeric> <ix:nonNumeric contextRef="c-1" name="dei:EntityAddressPostalZipCode" id="f-10">35203</ix:nonNumeric></span></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Address, including zip code, of principal executive office)</span></div><div style="margin-bottom:6pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Registrant&#8217;s telephone number, including area code: (<ix:nonNumeric contextRef="c-1" name="dei:CityAreaCode" id="f-11">800</ix:nonNumeric>) <ix:nonNumeric contextRef="c-1" name="dei:LocalPhoneNumber" id="f-12">734-4667</ix:nonNumeric></span></div><div style="margin-bottom:3pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:18.472%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.666%"><tr><td style="width:0.1%"/><td style="width:2.242%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:96.458%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:WrittenCommunications" format="ixt-sec:boolballotbox" id="f-13">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:SolicitingMaterial" format="ixt-sec:boolballotbox" id="f-14">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox" id="f-15">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox" id="f-16">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td></tr></table></div><div style="margin-bottom:6pt;padding-left:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).</span></div><div style="margin-bottom:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Emerging growth company </span><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8.5pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox" id="f-17">&#9744;</ix:nonNumeric></span></div><div style="margin-bottom:6pt;padding-left:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</span></div><div style="margin-bottom:4.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Securities registered pursuant to Section 12(b) of the Act:</span></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:43.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.234%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Title of each class</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Trading Symbol(s)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-2" name="dei:Security12bTitle" id="f-18">Common Stock, $.01 par value</ix:nonNumeric></span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-2" name="dei:TradingSymbol" id="f-19">RF</ix:nonNumeric></span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-2" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-20">New York Stock Exchange</ix:nonNumeric></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-3" name="dei:Security12bTitle" id="f-21">Depositary Shares, each representing a 1/40th Interest in a Share of 6.375% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series B</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-3" name="dei:TradingSymbol" id="f-22">RF PRB</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-3" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-23">New York Stock Exchange</ix:nonNumeric></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-4" name="dei:Security12bTitle" id="f-24">Depositary Shares, each representing a 1/40th Interest in a Share of 5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-4" name="dei:TradingSymbol" id="f-25">RF PRC</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-4" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-26">New York Stock Exchange</ix:nonNumeric></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-5" name="dei:Security12bTitle" id="f-27">Depositary Shares, each representing a 1/40th Interest in a Share of 4.45% Non-Cumulative Perpetual Preferred Stock, Series E</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-5" name="dei:TradingSymbol" id="f-28">RF PRE</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-5" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-29">New York Stock Exchange</ix:nonNumeric></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-6" name="dei:Security12bTitle" id="f-30">Depositary Shares, each representing a 1/40th Interest in a Share of Non-Cumulative Perpetual Preferred Stock, Series F</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-6" name="dei:TradingSymbol" id="f-31">RF PRF</ix:nonNumeric></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-6" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-32">New York Stock Exchange</ix:nonNumeric></span></div></td></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr style="height:3pt"><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="ic3afdae334f74126bdd55d81cf05b3c8_42"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div><span><br/></span></div></div><div style="-sec-extract:summary;margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Item 3.03. Material Modification to Rights of Security Holders.</span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following the issuance of the Non-Cumulative Perpetual Preferred Stock, Series F, liquidation preference $1,000 per share, par value $1 per share (the &#8220;Series F Preferred Stock&#8221;), of Regions Financial Corporation (the &#8220;Company&#8221;) on July 29, 2024, the ability of the Company to declare or pay dividends on, or purchase, redeem or otherwise acquire, shares of its common stock, any shares of the Company that rank junior to the Series F Preferred Stock or any shares of the Company that are </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">pari passu</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> with the Series F Preferred Stock with respect to the payment of dividends (including the Company&#8217;s 6.375% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series B, the Company&#8217;s 5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C, the Company&#8217;s Non-Cumulative Perpetual Preferred Stock, Series D and the Company&#8217;s 4.45% Non-Cumulative Perpetual Preferred Stock, Series E) is subject to certain restrictions in the event that the Company does not declare and pay (or set aside) dividends on the Series F Preferred Stock for the last preceding dividend period.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The terms of the Series F Preferred Stock, including such restrictions, are more fully described in the Certificate of Designations (as defined in Item 5.03 below), a copy of which is filed as Exhibit 3.6 to the Company&#8217;s Form 8-A filed on July 26, 2024 and is incorporated herein by reference. </span></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.</span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 25, 2024, the Company filed a Certificate of Designations (the &#8220;Certificate of Designations&#8221;) with the Secretary of State of the State of Delaware to establish the preferences, limitations and relative rights of the Series F Preferred Stock. The Certificate of Designations became effective upon filing, and a copy is filed as Exhibit 3.6 to the Company&#8217;s Form 8-A filed on July 26, 2024 and is incorporated herein by reference. </span></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Item 8.01. Other Events.</span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 29, 2024, the Company completed the public offering of 20,000,000 depositary shares (the &#8220;Series F Depositary Shares&#8221;), each representing a 1/40th interest in a share of the Series F Preferred Stock, receiving proceeds of $490,141,000, before offering expenses.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Series F Depositary Shares were issued and sold pursuant to an underwriting agreement, dated as of July 22, 2024 (the &#8220;Underwriting Agreement&#8221;), between the Company and Morgan Stanley &amp; Co. LLC, BofA Securities Inc., Goldman Sachs &amp; Co. LLC, J.P. Morgan Securities LLC, RBC Capital Markets, LLC and Regions Securities LLC, as representatives of the several underwriters listed therein. The Underwriting Agreement is filed as Exhibit 1.1 to this Current Report on Form 8-K and incorporated herein by reference. </span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Deposit Agreement, dated as of July 29, 2024 (the &#8220;Deposit Agreement&#8221;), by and among the Company, Broadridge Corporate Issuer Solutions, LLC., as depositary, and the holders from time to time of the depositary receipts described therein, relating to the Series F Depositary Shares is attached as Exhibit 4.1 to this Current Report on Form 8-K. The form of depositary receipt representing the Series F Depositary Shares is included as Exhibit A to the Deposit Agreement and is filed as Exhibit 4.2 to this Current Report on Form 8-K. </span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This Current Report on Form 8-K is being filed for the purpose of filing Exhibits 1.1, 4.1 and 4.2 as exhibits to the Company&#8217;s registration statement on Form S-3 (File No. 333-262964) (the &#8220;Registration Statement&#8221;), and such exhibits are hereby incorporated by reference into the Registration Statement.</span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Copies of the opinions of Sullivan &amp; Cromwell LLP, counsel to the Company, are attached as Exhibits 5.1 and 8.1 to this Current Report on Form 8-K. Exhibits 5.1, 8.1, 23.1 and 23.2 of this Current Report on Form 8-K are hereby incorporated by reference into the Registration Statement.</span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:9pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Item 9.01. Financial Statements and Exhibits.</span></div><div style="margin-bottom:9pt;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d) Exhibits </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.156%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.441%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:88.003%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Exhibit&#160;No.</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Description</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="exhibit11-underwritingagre.htm">Underwriting Agreement, dated July 22, 2024, by and among Regions Financial Corporation and Morgan Stanley &amp; Co. LLC, BofA Securities Inc., Goldman Sachs &amp; Co. LLC, J.P. Morgan Securities LLC, RBC Capital Markets, LLC and Regions Securities LLC, as representatives of the several underwriters listed therein.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000053/exhibit36-8xa.htm">Certificate of Designations of Regions Financial Corporation, filed with the Secretary of State of the State of Delaware and effective July 25, 2024 (filed as Exhibit 3.6 to the Company&#8217;s Form 8-A filed on July 26, 2024 and incorporated by reference herein).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000053/exhibit41-8xa.htm">Deposit Agreement, dated as of July 29, 2024, by and among Regions Financial Corporation, Broadridge Corporate Issuer Solutions, LLC., as depositary, and the holders from time to time of the depositary receipts described therein (filed as Exhibit 4.1 to the Company&#8217;s Form 8-A filed on July 26, 2024 and incorporated by reference herein).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.2</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/1281761/000128176124000053/exhibit41-8xa.htm">Form of depositary receipt representing the Series F Depositary Shares (included as Exhibit A to Exhibit 4.1).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="exhibit51-scconsent8xk.htm">Opinion of Sullivan &amp; Cromwell LLP.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="exhibit81-scconsent8xk.htm">Opinion of Sullivan &amp; Cromwell LLP.</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="exhibit51-scconsent8xk.htm">Consent of Sullivan &amp; Cromwell LLP (included in Exhibit 5.1).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23.2</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="exhibit81-scconsent8xk.htm">Consent of Sullivan &amp; Cromwell LLP (included in Exhibit 8.1).</a></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cover Page Interactive Date (embedded within the Inline XBRL document).</span></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="ic3afdae334f74126bdd55d81cf05b3c8_70"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div><span><br/></span></div></div><div style="margin-bottom:9pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div style="margin-bottom:9pt;text-indent:23pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.220%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.150%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:35.439%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Regions Financial Corporation</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Date: July 29, 2024</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">By:</span></td><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">/s/ Karin K. Allen</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Name:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Karin K. Allen</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Title:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Executive Vice President, Assistant Controller and Chief Accounting Officer</span></td></tr></table></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>exhibit11-underwritingagre.htm
<DESCRIPTION>EX-1.1
<TEXT>
<html><head><title>Exhibit 1.1 -Underwriting Agreement 8-K</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_1" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 97.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 215.88pt; position: absolute; text-decoration: none; white-space: pre;">UNDERWRITING AGREEMENT<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 121.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 202.06pt; position: absolute; text-decoration: none; white-space: pre;">REGIONS FINANCIAL CORPORATION<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 147.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 233.71pt; position: absolute; text-decoration: none; white-space: pre;">20,000,000 Depositary Shares<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 162pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 190.61pt; position: absolute; text-decoration: none; white-space: pre;">Each Representing a 1&#47;40<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 7.800000000000001pt; font-style: normal; font-weight: normal; left: 313.5pt; position: absolute; text-decoration: none; top: -2.912pt; vertical-align: super; white-space: pre;">th <font style="display: inline-block; height: 5.408pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 321.51pt; position: absolute; text-decoration: none; white-space: pre;">Interest in a Share of<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 176.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 180.12pt; position: absolute; text-decoration: none; white-space: pre;">Non-Cumulative Perpetual Preferred Stock, Series F<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 226.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 396pt; position: absolute; text-decoration: none; white-space: pre;">July 22, 2024<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Morgan Stanley &#38; Co. LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 267.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">1585 Broadway<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 282pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">New York, New York 10036<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 308.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">BofA Securities, Inc.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 322.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">One Bryant Park,<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 337.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">New York, New York 10036<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 363.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Goldman Sachs &#38; Co. LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 378pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">200 West Street<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 392.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">New York, New York 10282<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 418.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">J.P. Morgan Securities LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 433.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">383 Madison Ave.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 447.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">New York, New York 10179<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">RBC Capital Markets, LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 488.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">200 Vesey Street, 8th Floor<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 502.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">New York, New York 10281<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 529.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 543.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">615 South College Street, Suite 600<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 558pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Charlotte, North Carolina 28202<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 596.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 112.5pt; position: absolute; text-decoration: none; white-space: pre;">As representatives of the several Underwriters<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 610.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 112.5pt; position: absolute; text-decoration: none; white-space: pre;">named in Schedule I hereto (&#8220;you&#8221; or the &#8220;Representatives&#8221;)<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 637.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Ladies and Gentlemen&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 663.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation, a Delaware corporation (the &#8220;Company&#8221;), proposes, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 678pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">subject to the terms and conditions stated herein, to issue and sell to the Underwriters named in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 692.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Schedule I hereto (the &#8220;Underwriters&#8221;) an aggregate of 20,000,000 depositary shares (the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 706.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Shares&#8221;), each representing a 1&#47;40th interest in a share of its Non-Cumulative Perpetual <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.77pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 493.35pt; position: absolute; text-decoration: none; white-space: pre;">Exhibit 1.1<font style="display: inline-block; height: 6.77pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">Preferred Stock, Series F, par value $1 per share and liquidation preference $1,000 per share<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 85.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">(&#8220;Preferred Stock&#8221;) and, together with the Shares, the &#8220;Securities&#8221;). The Preferred Stock, when<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 99.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.93pt;">issued, will be deposited against delivery of depositary receipts (the &#8220;Depositary Receipts&#8221;),<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 113.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.97pt;">which will evidence the Shares and will be issued by Broadridge Financial Solutions, LLC (the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">&#8220;Depositary&#8221;) under a deposit agreement, to be dated July 29, 2024 (the &#8220;Deposit Agreement&#8221;),<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 141pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">among the Company, the Depositary and the holders from time to time of the Depositary<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 154.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">Receipts issued hereunder. The terms of the Preferred Stock will be set forth in a certificate of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 168.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">designations (the &#8220;Certificate of Designations&#8221;) to be filed by the Company with the Secretary of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 182.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 146.49pt;">State of the State of Delaware.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 208.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 9pt;">1.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.95pt;">The Company represents and warrants to, and agrees with, each of the<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 222pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 87.56pt;">Underwriters that&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 247.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(a)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 180pt; position: absolute;">An &#8220;automatic shelf registration statement&#8221; as defined under Rule 405 <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 261.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">under the Securities Act of 1933, as amended (the &#8220;Act&#8221;), on Form S-3 (File No. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 275.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">333-262964) in respect of the Securities has been filed with the Securities and Exchange <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 289.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Commission (the &#8220;Commission&#8221;) not earlier than three years prior to the date hereof&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 303pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">such registration statement, and any post-effective amendment thereto, became effective <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 316.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">on filing&#59; and no stop order suspending the effectiveness of such registration statement or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 330.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">any part thereof has been issued, no proceeding for that purpose has been initiated or, to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 344.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Company&#8217;s knowledge, threatened by the Commission, and no notice of objection of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 358.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Commission to the use of such registration statement or any post-effective <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">amendment thereto pursuant to Rule 401(g)(2) under the Act has been received by the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 385.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company&#59; the base prospectus filed as part of such registration statement, in the form in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 399.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which it has most recently been filed with the Commission on or prior to the date of this <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 413.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Agreement, is hereinafter called the &#8220;Basic Prospectus&#8221;&#59; any preliminary prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 427.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(including any preliminary prospectus supplement) relating to the Securities filed with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 441pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Commission pursuant to Rule 424(b) under the Act is hereinafter called a &#8220;Preliminary <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 454.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus&#8221;&#59; the various parts of such registration statement, including all exhibits thereto <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 468.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">but excluding any Form T-1 and including any prospectus supplement relating to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 482.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Securities that is filed with the Commission and deemed by virtue of Rule 430B to be <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 496.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">part of such registration statement, each as amended at the time such part of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 510pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">registration statement became effective, are hereinafter collectively called the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 523.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Registration Statement&#8221;&#59; the Basic Prospectus, as amended and supplemented <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 537.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">immediately prior to the &#8220;Applicable Time&#8221; (as defined in Section 1(c) hereof), is <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 551.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">hereinafter called the &#8220;Pricing Prospectus&#8221;&#59; the form of the final prospectus relating to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 565.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Securities filed with the Commission pursuant to Rule 424(b) under the Act in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 579pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">accordance with Section 5(a) hereof is hereinafter called the &#8220;Prospectus&#8221;&#59; any reference <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 592.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">herein to the Basic Prospectus, the Pricing Prospectus, any Preliminary Prospectus or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 606.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus shall be deemed to refer to and include the documents incorporated by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 620.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reference therein pursuant to Item 12 of Form S-3 under the Act, as of the date of such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 634.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">prospectus&#59; any reference to any amendment or supplement to the Basic Prospectus, any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Preliminary Prospectus or the Prospectus shall be deemed to refer to and include any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 661.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">post-effective amendment to the Registration Statement, any prospectus supplement <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 675.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">relating to the Securities filed with the Commission pursuant to Rule 424(b) under the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 689.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Act and any documents filed under the Securities Exchange Act of 1934, as amended (the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 703.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Exchange Act&#8221;), and <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">2<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">incorporated therein, in each case after the date of the Basic Prospectus, such Preliminary<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.86pt;">Prospectus, or the Prospectus, as the case may be&#59; any reference to any amendment to the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.86pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.94pt;">Registration Statement shall be deemed to refer to and include any annual report of the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">Company filed pursuant to Section 13(a) or 15(d) of the Exchange Act after the effective<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.98pt;">date of the Registration Statement that is incorporated by reference in the Registration<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">Statement&#59; and any &#8220;issuer free writing prospectus&#8221; as defined in Rule 433 under the Act<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 393.85pt;">relating to the Securities is hereinafter called an &#8220;Issuer Free Writing Prospectus&#8221;&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 184.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">No order preventing or suspending the use of any Preliminary Prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 199.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or any Issuer Free Writing Prospectus has been issued by the Commission, and each <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Preliminary Prospectus, at the time of filing thereof, conformed in all material respects to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the requirements of the Act and the rules and regulations of the Commission thereunder, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and did not contain an untrue statement of a material fact or omit to state a material fact <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">required to be stated therein or necessary to make the statements therein, in the light of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the circumstances under which they were made, not misleading&#59; provided, however, that <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">this representation and warranty shall not apply to any statements or omissions made in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reliance upon and in conformity with information furnished in writing to the Company by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 314.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">an Underwriter through the Representatives expressly for use therein&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(c)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 180pt; position: absolute;">For the purposes of this Agreement, the &#8220;Applicable Time&#8221; is 3&#58;35 p.m. <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(New York City time) on the date of this Agreement.&#160; The Pricing Prospectus, as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">supplemented by the final term sheet prepared and filed pursuant to Section 5(a) hereof <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(collectively, the &#8220;Pricing Disclosure Package&#8221;) as of the Applicable Time,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 468.6pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 471.6pt; position: absolute; text-decoration: none; white-space: pre;">did not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 398.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">include any untrue statement of a material fact or omit to state any material fact necessary <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 412.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in order to make the statements therein, in the light of the circumstances under which <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 427.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">they were made, not misleading&#59; and each Issuer Free Writing Prospectus listed on <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 441.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Schedule&#160;II(a) hereto does not conflict with the information contained in the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Statement, the Pricing Prospectus or the Prospectus and each such Issuer Free Writing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 470.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus, as supplemented by and taken together with the Pricing Disclosure Package <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 484.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">as of the Applicable Time, did not include any untrue statement of a material fact or omit <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 499.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to state any material fact necessary in order to make the statements therein, in the light of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 513.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the circumstances under which they were made, not misleading&#59; provided, however, that <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">this representation and warranty shall not apply to statements or omissions made in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 542.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Pricing Disclosure Package or an Issuer Free Writing Prospectus in reliance upon and in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 556.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">conformity with information furnished in writing to the Company by an Underwriter <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 571.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">through the Representatives expressly for use therein&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 597.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(d)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">The documents incorporated by reference in the Pricing Prospectus and <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Prospectus, when they became effective or were filed with the Commission, as the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 626.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">case may be, conformed in all material respects to the requirements of the Act or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 640.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Exchange Act, as applicable, and the rules and regulations of the Commission thereunder, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 655.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and none of such documents contained an untrue statement of a material fact or omitted <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 669.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to state a material fact required to be stated therein or necessary to make the statements <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 684pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">therein, in light of the circumstances in which they were made, <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">3<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.96pt;">not misleading&#59; any further documents so filed and incorporated by reference in the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">Prospectus or any further amendment or supplement thereto, when such documents<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">become effective or are filed with the Commission, as the case may be, will conform in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.94pt;">all material respects to the requirements of the Act or the Exchange Act, as applicable,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.97pt;">and the rules and regulations of the Commission thereunder and will not contain an<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.98pt;">untrue statement of a material fact or omit to state a material fact required to be stated<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">therein or necessary to make the statements therein, in light of the circumstances in which<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">they were made, not misleading&#59; provided, however, that this representation and warranty<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 187.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.88pt;">shall not apply to any statements or omissions made in reliance upon and in conformity<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 201.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.95pt;">with information furnished in writing to the Company by an Underwriter through the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.89pt;">Representatives expressly for use therein&#59; and no such documents were filed with the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 230.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">Commission since the Commission&#8217;s close of business on the business day immediately<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 244.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 408.59pt;">prior to the execution of this Agreement, except as set forth on Schedule II(b) hereto&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(e)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 180pt; position: absolute;">The Registration Statement conforms, and the Prospectus and any further <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">amendments or supplements to the Registration Statement and the Prospectus will <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">conform, in all material respects to the requirements of the Act and the rules and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 314.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">regulations of the Commission thereunder&#59; as of the applicable effective date as to each <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 328.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">part of the Registration Statement and any post-effective amendment thereto, the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 343.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Registration Statement and any post-effective amendment thereto did not and will not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 357.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">contain an untrue statement of a material fact or omit to state a material fact required to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">be stated therein or necessary to make the statements therein not misleading&#59; and as of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 386.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">applicable filing date of the Prospectus and any amendment or supplement thereto and as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 400.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">of the Time of Delivery (as defined in Section 4 hereof), the Prospectus and any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 415.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">amendment or supplement thereto will not contain an untrue statement of a material fact <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 429.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or omit to state a material fact required to be stated therein or necessary to make the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">statements therein, in the light of the circumstances under which they were made, not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 458.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">misleading&#59; provided, however, that this representation and warranty shall not apply to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 472.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">any statements or omissions made in reliance upon and in conformity with information <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 487.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">furnished in writing to the Company by an Underwriter through the Representatives <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 501.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">expressly for use in the Registration Statement, the Prospectus, or any amendment or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">supplement thereto&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 542.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(f)<font style="display: inline-block; height: 8.32pt; width: 24.03pt;"></font></font><font style="left: 180pt; position: absolute;">Each of the Company and Regions Bank has been duly formed or <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 556.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">incorporated and is validly existing as a corporation or a bank, as applicable, in good <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 571.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">standing under the laws of the jurisdiction in which it is formed, incorporated, chartered <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 585.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or organized with full corporate power and authority to own or lease, as the case may be, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and to operate its properties and conduct its business as described in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 614.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus, and is duly qualified to do business as a foreign corporation and is in good <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 628.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">standing under the laws of each jurisdiction in which its ownership or lease of property or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 643.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the conduct of its business requires such qualification (except in any case in which the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 657.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">failure to so qualify would not reasonably be expected to have a Material Adverse Effect <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(as defined herein))&#59; and Regions Bank is the only &#8220;significant subsidiary&#8221; (as such term <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 686.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">is defined in Rule 1-02(w) or Regulation S-X under the Act).<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">4<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(g)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">The Company is duly registered as a bank holding company and has <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">elected to be treated as a financial holding company under the Bank Holding Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Act of 1956, as amended&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(h)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">Neither the Company nor Regions Bank has sustained since the date of the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 141.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">latest audited financial statements included or incorporated by reference in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus any material loss or interference with its business from fire, explosion, flood <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 170.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or other calamity, whether or not covered by insurance, or from any labor dispute or court <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 184.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or governmental action, order or decree, otherwise than as set forth or contemplated in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 199.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Pricing Prospectus&#59; and, since June 30, 2024, there has not been (x) any change in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">capital stock of the Company or Regions Bank (other than issuances or other transfers of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">capital stock in the ordinary course of business pursuant to the Company&#8217;s employee <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">benefit plans or repurchases of common stock by the Company pursuant to a share <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">repurchase program disclosed in the Pricing Prospectus and, to avoid doubt, dividends on <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">preferred and common stock or on any capital stock of Regions Bank), (y) any material <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">increase in the long-term debt of the Company and Regions Bank or (z) any material <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">adverse change, or any development involving a prospective material adverse change, in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 314.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or affecting the condition (financial or otherwise), results of operations, business, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 328.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">properties or prospects of the Company and its subsidiaries taken as a whole, otherwise <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 343.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">than as set forth or contemplated in the Pricing Prospectus&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(i)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 180pt; position: absolute;">At the end of the most recently completed quarter or fiscal year, the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company had an authorized and outstanding capitalization as set forth in the consolidated <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 398.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">balance sheet as of June 30, 2024, as set forth in the Financial Supplement, Exhibit 99.2 <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 412.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to the Form 8-K filed on July 19, 2024, and except as otherwise disclosed in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 427.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Disclosure Package, the Registration Statement and the Prospectus, there has been no <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 441.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">material change in such information since the end of such quarter or fiscal year (subject <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to the issuance of shares of common stock upon exercise of stock options, warrants and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 470.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">convertible securities disclosed as outstanding in the Registration Statement (excluding <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 484.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the exhibits thereto), the Pricing Prospectus and the Prospectus, the grant of options under <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 499.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">existing stock option plans described in the Registration Statement (excluding the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 513.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">exhibits thereto), the Pricing Prospectus and the Prospectus and the repurchase of shares <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">of common stock pursuant to a share repurchase program disclosed in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 542.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus)&#59; all of the issued and outstanding shares of capital stock of the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 556.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">have been duly authorized and validly issued and are fully paid and non-assessable&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 583.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(j)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 180pt; position: absolute;">All the outstanding shares of capital stock of Regions Bank have been <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 597.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">duly and validly authorized and issued and are fully paid and non-assessable (except as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">provided in statutes pursuant to which depository institution subsidiaries are subject), <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 626.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and, except as otherwise set forth in the Pricing Prospectus, the Company owns all of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 640.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">voting capital stock of Regions Bank (except for directors&#8217; qualifying shares, if any), free <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 655.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and clear of any perfected security interest or any other security interests, claims, liens or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 669.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">encumbrances&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">5<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(k)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">The Preferred Stock has been duly authorized and, when issued and <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">delivered against payment therefor as provided herein and in the Deposit Agreement, will <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">be validly issued and fully paid and non-assessable and conforms or will conform, in all <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">material respects, to the description of the Preferred Stock contained in the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Statement, the Pricing Prospectus, and the Prospectus&#59; and when the Shares have been <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">issued and delivered against payment therefor and the Depositary Receipts have been <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">duly executed and delivered by the Depositary, in accordance with this Agreement and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Deposit Agreement, the holders of the Shares will be entitled to the benefits of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 187.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Deposit Agreement and the Depositary Receipts&#59; and the Shares conform or will conform <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 201.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in all material respects to the description thereof contained in the Registration Statement, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Pricing Prospectus and the Prospectus&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 11.31pt;">(l)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.99pt;">The Certificate of Designations has been duly authorized by the Company.<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">The Certificate of Designations sets forth the rights, preferences and priorities of the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.86pt;">Preferred Stock, and the holders of the Preferred Stock will have the rights set forth in the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.86pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 132.51pt;">Certificate of Designations&#59;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 240.51pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 17.31pt;">(m)<font style="display: inline-block; height: 8.32pt; width: 18.69pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.95pt;">The statements made in the Registration Statement, Pricing Disclosure<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">Package and Prospectus under the captions &#8220;Description of Capital Stock&#8221;, &#8220;Description<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.95pt;">of the Series F Preferred Stock&#8221; and &#8220;Description of Depositary Shares&#8221; insofar as they<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.98pt;">purport to constitute summaries of the terms of the Securities and the Certificate of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">Designations, constitute accurate summaries of the terms of such documents in all<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 84.2pt;">material respects&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 410.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(n)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">This Agreement has been duly authorized, executed and delivered by the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 424.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 451.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 13.98pt;">(o)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.96pt;">The Deposit Agreement has been duly authorized and, when validly<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 465.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">executed and delivered by the Company and the Depositary, will constitute a legal, valid<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">and binding agreement of the Company, enforceable against the Company in accordance<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 494.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.98pt;">with its terms, subject to bankruptcy, insolvency, fraudulent transfer, reorganization,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 508.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">moratorium and similar laws of general applicability relating to or affecting creditors&#8217;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 523.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">rights and to general equity principles&#59; and such Deposit Agreement will conform in all<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 537.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.96pt;">material respects to the description thereof contained in the Registration Statement, the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 185.84pt;">Pricing Prospectus and the Prospectus&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 578.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(p)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">The Company is not and, after giving effect to the offering and sale of the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 592.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Securities and the application of the proceeds thereof, will not be, an &#8220;investment <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 607.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">company&#8221; as such term is defined in the Investment Company Act of 1940, as amended&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 633.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(q)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">Other than the filing of the Certificate of Designations, a Form 8-A <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">registering the Shares, and an application to list the Shares on the New York Stock <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 662.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Exchange, no consent, approval, authorization, filing with or order of any court or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">governmental agency or body is required for the execution, delivery and performance by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Company of this Agreement or the Deposit Agreement or in connection with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 705.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">transactions contemplated by this Agreement or the Deposit Agreement, except <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">6<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.85pt;">such as have been obtained or such as may be required under the blue sky laws of any<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.85pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.97pt;">jurisdiction in connection with the purchase and distribution of the Securities by the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 341.33pt;">Underwriters in the manner contemplated herein and in the Prospectus&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 126.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(r)<font style="display: inline-block; height: 8.32pt; width: 24.03pt;"></font></font><font style="left: 180pt; position: absolute;">The issue and sale of the Securities by the Company, the execution, <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 140.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">delivery or performance by the Company of this Agreement, the Deposit Agreement and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 154.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Certificate of Designations and the consummation of the transactions contemplated <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 168.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">herein and under the Deposit Agreement will not conflict with or result in a breach or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 183.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">violation pursuant to (i) the certificate of incorporation or other charter document or by-<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 197.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">laws of the Company or Regions Bank, (ii) the terms of any indenture, contract, lease, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">mortgage, deed of trust, note agreement, loan agreement or other agreement, obligation, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">condition, covenant or instrument to which the Company or Regions Bank is a party or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 239.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">by which the Company or Regions Bank is bound or to which any of the property or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">assets of the Company or Regions Bank is subject, or (iii) any statute, law, rule, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">regulation, judgment, order or decree applicable to the Company or Regions Bank of any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 282.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">court, regulatory body, administrative agency, governmental body, arbitrator or other <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 296.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">authority having jurisdiction over the Company or Regions Bank or any of its or their <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 310.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">properties which violation or default would, in the case of clauses (ii) and (iii) above, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 324.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">either individually or in the aggregate with all other violations and defaults referred to in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 338.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">this paragraph, reasonably be expected to result in a material adverse effect on the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 353.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">condition (financial or otherwise), results of operations or business of the Company and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 367.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">its subsidiaries, taken as a whole, except as set forth in or contemplated by the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 381.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus and the Prospectus, or a material adverse effect on the consummation of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 395.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">transactions contemplated hereby (collectively, a &#8220;Material Adverse Effect&#8221;)&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 421.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(s)<font style="display: inline-block; height: 8.32pt; width: 23.36pt;"></font></font><font style="left: 180pt; position: absolute;">The consolidated historical financial statements and schedules of the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 435.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company and its consolidated subsidiaries incorporated by reference in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus and the Registration Statement present fairly in all material respects the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 464.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">financial condition, results of operations and cash flows of the Company and its <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 478.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">consolidated subsidiaries as of the dates and for the periods indicated, comply as to form <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 492.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in all material respects with the applicable accounting requirements of the Act and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">rules and regulations of the Commission thereunder and have been prepared in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">conformity with United States generally accepted accounting principles applied on a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 534.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">consistent basis throughout the periods involved (except as otherwise noted therein)&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 561.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(t)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 180pt; position: absolute;">Except as disclosed in the Pricing Prospectus, no action, suit or proceeding <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 575.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">by or before any court or governmental agency, authority or body or any arbitrator <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 589.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">involving the Company or Regions Bank or its or their property is pending or, to the best <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 603.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">knowledge of the Company, threatened that would reasonably be expected to have a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 617.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Material Adverse Effect&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 643.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(u)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">Neither the Company nor Regions Bank is in (i) violation of any provision <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 658.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">of its respective charter or by-laws&#59; (ii) default under the terms of any indenture, contract, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 672.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">lease, mortgage, deed of trust, note agreement, loan agreement or other agreement, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 686.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">obligation, condition, covenant or instrument to which it is a party or bound or to which <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 700.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">its property is subject&#59; or (iii) violation of any statute, law, rule <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">7<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">regulation, judgment, order or decree of any court, regulatory body, administrative<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.96pt;">agency, governmental body, arbitrator or other authority having jurisdiction over the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">Company or any of its subsidiaries or any of their properties, as applicable, which<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.88pt;">violation or default would, in the case of clauses (ii) and (iii) above, either individually or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.94pt;">in the aggregate along with all other violations and defaults referred to in this paragraph<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 316.62pt;">(u), reasonably be expected to result in a Material Adverse Effect&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 170.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(v)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">The Company has filed all foreign, federal, state and local tax returns that <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 184.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">are required to be filed or has requested extensions thereof (except in any case in which <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 199.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the failure to so file would not reasonably be expected to have a Material Adverse Effect) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and has paid all taxes required to be paid by it and any other assessment, fine or penalty <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to the extent that any of the foregoing is due and payable, except for any that is currently <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">being contested in good faith, or as would not reasonably be expected to result in a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Material Adverse Effect&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 283.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(w)<font style="display: inline-block; height: 8.32pt; width: 19.36pt;"></font></font><font style="left: 180pt; position: absolute;">No subsidiary of the Company is currently prohibited, directly or <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 297.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">indirectly, from paying any dividends to the Company, from making any other <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">distribution on such subsidiary&#8217;s capital stock, from repaying to the Company any loans <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or advances to such subsidiary from the Company or from transferring any of such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">subsidiary&#8217;s property or assets to the Company or any other subsidiary of the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">except as described in or contemplated by the Pricing Prospectus and applicable banking <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">laws and regulations&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(x)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 180pt; position: absolute;">The Company and Regions Bank possess all licenses, certificates, permits <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 410.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and other authorizations issued by the appropriate federal, state or foreign regulatory <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 424.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">authorities necessary to conduct their respective businesses except those the failure of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 439.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which to possess would not reasonably be expected to result in a Material Adverse Effect, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 453.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and neither the Company nor any such subsidiary has received any notice of proceedings <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">relating to the revocation or modification of any such certificate, authorization or permit <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 482.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which, singly or in the aggregate, if the subject of an unfavorable decision, ruling or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 496.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">finding, would reasonably be expected to result in a Material Adverse Effect&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 523.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">(y)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><font style="left: 157.98pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 180pt; position: absolute; text-decoration: none; white-space: pre;">(A) (i) At the time of filing the Registration Statement, (ii) at the time of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 537.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the most recent amendment thereto for the purposes of complying with Section 10(a)(3) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">of the Act (whether such amendment was by post-effective amendment, incorporated <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 566.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">report filed pursuant to Section 13 or 15(d) of the Exchange Act or form of prospectus), <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 580.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and (iii) at the time the Company or any person acting on its behalf (within the meaning, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 595.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">for this clause only, of Rule 163(c) under the Act) made any offer relating to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 609.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Securities in reliance on the exemption of Rule 163 under the Act, the Company was a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;well-known seasoned issuer&#8221; as defined in Rule 405 under the Act&#59; and (B) at the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 638.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">earliest time after the filing of the Registration Statement that the Company or another <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 652.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">offering participant made a bona fide offer (within the meaning of Rule 164(h)(2) under <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 667.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Act) of the Securities, the Company was not an &#8220;ineligible issuer&#8221; as defined in Rule <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 681.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">405 under the Act&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">8<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">(z)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><font style="left: 157.3pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 180pt; position: absolute; text-decoration: none; white-space: pre;">Ernst &#38; Young LLP, which has audited the consolidated financial <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">statements of the Company and its consolidated subsidiaries, and delivered its report with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">respect to audited consolidated financial statements included in the Prospectus, is an <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">independent registered public accounting firm as required by the Act and the rules and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">regulations of the Commission thereunder&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">(aa)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><font style="left: 162.62pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 17.38pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 180pt; position: absolute; text-decoration: none; white-space: pre;">The Company maintains a system of internal control over financial <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 170.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reporting (as such term is defined in Rule 13a-15(f) under the Exchange Act) that <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 184.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">complies with the requirements of the Exchange Act and has been designed by the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 199.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company&#8217;s principal executive officer and principal financial officer, or under their <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">supervision, to provide reasonable assurance regarding the reliability of financial <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reporting and the preparation of financial statements for external purposes in accordance <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">with generally accepted accounting principles.&#160; The Company&#8217;s internal control over <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">financial reporting is effective and the Company is not aware of any material weaknesses <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">in its internal control over financial reporting&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 297.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">(bb)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><font style="left: 163.98pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 16.02pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 180pt; position: absolute; text-decoration: none; white-space: pre;">Since the date of the latest audited financial statements included or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">incorporated by reference in the Pricing Prospectus, there has been no change in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company&#8217;s internal control over financial reporting that has materially affected, or is <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reasonably likely to materially affect, the Company&#8217;s internal control over financial <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reporting&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 381.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">(cc)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><font style="left: 162.62pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 17.38pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 180pt; position: absolute; text-decoration: none; white-space: pre;">The interactive data in eXtensible Business Reporting Language included <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or incorporated by reference in the Registration Statement fairly presents the information <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 410.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">called for in all material respects and has been prepared in accordance with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 424.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Commission&#8217;s rules and guidelines applicable thereto.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 451.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(dd)<font style="display: inline-block; height: 8.32pt; width: 16.02pt;"></font></font><font style="left: 180pt; position: absolute;">The Company maintains disclosure controls and procedures (as such term <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 465.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">is defined in Rule 13a-15(e) under the Exchange Act) that comply with the requirements <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">of the Exchange Act&#59; such disclosure controls and procedures have been designed to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 494.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">ensure that material information relating to the Company and its subsidiaries is made <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 508.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">known to the Company&#8217;s principal executive officer and principal financial officer by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 523.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">others within those entities&#59; and such disclosure controls and procedures are effective&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 549.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(ee)<font style="display: inline-block; height: 8.32pt; width: 17.38pt;"></font></font><font style="left: 180pt; position: absolute;"> (i) The Company and Regions Bank are in compliance with all laws and <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">regulations administered by the Board of Governors of the Federal Reserve System, the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 578.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Federal Deposit Insurance Corporation (the &#8220;FDIC&#8221;), the State Banking Department of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 592.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the State of Alabama and any other federal or state bank regulatory authorities with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 607.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">jurisdiction over the Company and its subsidiaries, except for such failures to be in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 621.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">compliance as would not reasonably be expected to result in a Material Adverse Effect&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and (ii) the deposit accounts of Regions Bank are insured up to applicable limits by the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 650.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">FDIC and no proceedings for the termination or revocation of such insurance are pending <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 664.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or, to the knowledge of the Company, threatened&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(ff)<font style="display: inline-block; height: 8.32pt; width: 20.04pt;"></font></font><font style="left: 180pt; position: absolute;">Neither the Company nor any of its subsidiaries nor, to the knowledge of <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 705.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Company, any director, officer, agent, employee or affiliate of the Company or <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 303pt; position: absolute; text-decoration: none; white-space: pre;">9<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">any of its subsidiaries has taken any action, directly or indirectly, that would result in a<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">violation material to the Company by such persons of the Foreign Corrupt Practices Act<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">of 1977, as amended (the &#8220;FCPA&#8221;) and the rules and regulations thereunder, including,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 114.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">without limitation, making use of the mails or any means or instrumentality of interstate<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 128.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">commerce corruptly in furtherance of an offer, payment, promise to pay or authorization<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 142.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">of the payment of any money, or other property, gift, promise to give, or authorization of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 156.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.86pt;">the giving of anything of value to any &#8220;foreign official&#8221; (as such term is defined in the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.86pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 171.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.9pt;">FCPA) or any foreign political party or official thereof or any candidate for foreign<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 185.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.94pt;">political office, in contravention of the FCPA or any applicable anti-bribery and<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 199.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">anticorruption laws or regulations to which the Company or any of its subsidiaries or any<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">director, officer, agent, employee or affiliate is subject. The Company, its subsidiaries<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 227.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">and their affiliates have each conducted their businesses in compliance with the FCPA in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 241.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 99.18pt;">all material respects&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute;">(gg)<font style="display: inline-block; height: 8.32pt; width: 16.02pt;"></font></font><font style="left: 180pt; position: absolute;">To the Company&#8217;s knowledge, the operations of the Company and its <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 282.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">subsidiaries are currently in material compliance with applicable financial record keeping <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 296.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and reporting requirements of the Currency and Foreign Transactions Reporting Act of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 310.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">1970, as amended, the money laundering statutes of all United States jurisdictions, the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 324.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">rules and regulations thereunder and any related or similar rules, regulations or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 338.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">guidelines, issued, administered or enforced by any governmental agency in the United <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 353.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">States (collectively, the &#8220;Money Laundering Laws&#8221;)&#59; and no formal action, suit or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 367.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">proceeding by or before any court or governmental agency, authority or body or any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 381.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">arbitrator involving the Company or any of its subsidiaries with respect to the Money <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 395.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Laundering Laws is pending or, to the knowledge of the Company, threatened, in each <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 409.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">case, that is material to the Company and its subsidiaries, taken as a whole&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 435.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 19.98pt;">(hh)<font style="display: inline-block; height: 8.32pt; width: 16.02pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.9pt;">Neither the Company nor any of its subsidiaries, nor, to the knowledge of<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.95pt;">the Company, any director, officer, agent, employee or affiliate of the Company or any of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 464.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.89pt;">its subsidiaries, is an individual or entity (&#8220;Person&#8221;) that is, or is owned or controlled by a<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 478.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 432pt;">Person that is (i) the subject or target of any sanctions administered or enforced by the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 492.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.93pt;">U.S. Department of Treasury&#8217;s Office of Foreign Assets Control (&#8220;OFAC&#8221;), the U.S.<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 506.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.98pt;">Department of State (including, without limitation, through designation as a &#8220;specially<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 520.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 432pt;">designated national&#8221; or &#8220;blocked person&#8221;), the United Nations Security Council<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 534.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">(&#8220;UNSC&#8221;), the European Union (&#8220;EU&#8221;), or His Majesty&#8217;s Treasury (&#8220;HMT&#8221;)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 549.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.89pt;">(collectively, &#8220;Sanctions&#8221;), or (ii) located, organized or resident in a country or territory<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 563.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.92pt;">that is the subject or target of Sanctions (currently, Cuba, Iran, North Korea, Syria,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 577.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.97pt;">Crimea, the so-called Donetsk People&#8217;s Republic, the so-called Luhansk People&#8217;s<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 591.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 432pt;">Republic, the nongovernment-controlled regions of Zaporizhzhia and Kherson, except to<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 605.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 376.97pt;">the extent authorized by OFAC or otherwise authorized under applicable law)&#59;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 484.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 631.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 14.64pt;">(ii)<font style="display: inline-block; height: 8.32pt; width: 21.36pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.96pt;">The Company will not, directly or indirectly, use the proceeds of the<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 646.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.89pt;">offering, or lend, contribute or otherwise make available such proceeds to any subsidiary,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 660.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.91pt;">joint venture partner or other Person (i) to fund or facilitate any activities or business of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 674.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">or with any Person or in any country or territory that, at the time of such funding or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 688.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">facilitation, is the subject or target of Sanctions (currently, Cuba, Iran, North Korea,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 702.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 378.31pt;">Syria, Crimea, the so-called Donetsk People&#8217;s Republic, the so-called Luhansk<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 486.31pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">10<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.96pt;">People&#8217;s Republic, the nongovernment-controlled regions of Zaporizhzhia and Kherson,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 85.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.88pt;">except to the extent authorized by OFAC or otherwise authorized under U.S. law)&#59; or (ii)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 99.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.93pt;">in any other manner that will result in a violation of Sanctions by any Person (including<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 113.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">any Person participating in the offering, whether as underwriter, advisor, investor or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 53.93pt;">otherwise)&#59;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 161.93pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 153pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 14.64pt;">(jj)<font style="display: inline-block; height: 8.32pt; width: 21.36pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.9pt;">For the past 10 years, the Company and its subsidiaries have not<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 166.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.95pt;">knowingly engaged in and are not now knowingly engaged in any dealings or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 180.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.94pt;">transactions with any Person, or in any country or territory, that at the time of the dealing<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 194.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 295.37pt;">or transaction is or was the subject or target of Sanctions&#59; and<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 403.37pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 220.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 144pt; position: absolute; width: 19.98pt;">(kk)<font style="display: inline-block; height: 8.32pt; width: 16.02pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.98pt;">Neither the Company, nor, to the Company&#8217;s knowledge, any of its<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.99pt;">affiliates, has taken or may take, directly or indirectly, any action designed to cause or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 247.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.88pt;">result in, or which has constituted or which might reasonably be expected to constitute,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 261.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.93pt;">the stabilization or manipulation of the price of any security of the Company to facilitate<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 275.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 164.12pt;">the sale or resale of the Securities.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 301.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">2.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">Subject to the terms and conditions herein set forth,<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 391.45pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 394.45pt; position: absolute; text-decoration: none; white-space: pre;">the Company agrees to issue <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and sell to each of the Underwriters, and each of the Underwriters agrees, severally and not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 328.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">jointly, to purchase from the Company the number of Shares set forth opposite the name of such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 342.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter in Schedule I hereto, at a purchase price equal to (i) $24.7500 per Share with respect <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 356.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to Shares sold to institutional investors and (ii) $24.2125 per Share with respect to Shares sold to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 370.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">retail investors. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 396pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">3.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">Upon the authorization by you of the release of the Shares, the several <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 409.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriters propose to offer the Shares for sale upon the terms and conditions set forth in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 423.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 449.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">4.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">(a) The Company will deliver the Shares to one or more of the Representatives for <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 463.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the account of each Underwriter, against payment by or on behalf of such Underwriter of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 477pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">purchase price therefor by wire transfer of Federal (same-day) funds to the account specified by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 490.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Company to the Representatives at least twenty-four hours in advance, by causing the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 504.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Depositary to register the Shares in global book entry form in the name of Cede &#38; Co., or such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 518.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">other nominee as The Depository Trust Company (&#8220;DTC&#8221;) may designate, and shall cause DTC <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 532.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to credit the Shares to the account of one or more of the Representatives at DTC.&#160; The time and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 546pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">date of such delivery and payment shall be, with respect to the Securities, 9&#58;30 a.m., New York <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 559.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">City time, on July 29, 2024 or such other time and date as the Representatives and the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 573.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">may agree upon in writing.&#160; Such date for delivery of the Securities is herein called the &#8220;Closing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 587.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Date,&#8221; and such time and date for delivery of the Securities is herein called the &#8220;Time of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 601.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Delivery&#8221;. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 627pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.96pt;">The documents to be delivered at the Time of Delivery by or on behalf of the<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 640.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">parties hereto pursuant to Section 8 hereof, including the cross-receipt for the Securities and any<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 654.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">additional documents reasonably requested by the Underwriters pursuant to Section 8(j) hereof,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 668.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">will be delivered via electronic exchange, and the Shares will be credited to the account of the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 682.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">Representatives at DTC, all at the Time of Delivery.&#160; The final drafts of the documents to be<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 448.84pt;">delivered pursuant to the preceding sentence will be available for review by the parties hereto<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 520.8399999999999pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">11<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">on the New York Business Day immediately preceding the Time of Delivery.&#160; For the purposes<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">of this Section 4, &#8220;New York Business Day&#8221; shall mean each Monday, Tuesday, Wednesday,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">Thursday and Friday that is not a day on which banking institutions in New York City are<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 327.34pt;">generally authorized or obligated by law or executive order to close.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 141.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">5.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">The Company<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 212.3pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 215.3pt; position: absolute; text-decoration: none; white-space: pre;">agrees with each of the Underwriters&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(a)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">To prepare the Prospectus in a form approved by you and to file such Prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 182.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">pursuant to Rule 424(b) under the Act not later than the Commission&#8217;s close of business on the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 196.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">second business day following the execution and delivery of this Agreement&#59; to make no further <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">amendment or any supplement to the Registration Statement, the Basic Prospectus or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus (other than an amendment or supplement as a result of filings required to be made by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Company under the Exchange Act) prior to the Time of Delivery that shall be disapproved by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 254.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">you promptly after reasonable notice thereof&#59; to advise you, promptly after it receives notice <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">thereof, of the time when any amendment to the Registration Statement has been filed or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 283.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">becomes effective or any amendment or supplement to the Prospectus has been filed and to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 297.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">furnish you with copies thereof, if requested by you prior to the Applicable Time&#59; to prepare a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">final term sheet, containing solely a description of the Securities, in a form set forth in Schedule <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">III hereto and to file such a term sheet pursuant to Rule 433(d) under the Act within the time <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">required by such Rule&#59; to file promptly all material required to be filed by the Company with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Commission pursuant to Rule 433(d) under the Act&#59; to timely file all reports and any definitive <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">proxy or information statements required to be filed by the Company with the Commission <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">pursuant to Section 13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to the date of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 398.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus and for so long as the delivery of a prospectus (or in lieu thereof, the notice referred <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 412.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to in Rule 173(a) under the Act) is required in connection with the offering or sale of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 427.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Securities&#59; to advise you, promptly after it receives notice thereof, of the time when any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 441.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">amendment to the Registration Statement has been filed or becomes effective or any supplement <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to the Prospectus or any amended Prospectus has been filed with the Commission (other than an <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 470.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">amendment or supplement as a result of filings required to be made by the Company under the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 484.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Exchange Act), of the issuance by the Commission of any stop order suspending the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 499.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">effectiveness of the Registration Statement or any part thereof or any stop order or of any order <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 513.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">preventing or suspending the use of any Preliminary Prospectus or other prospectus in respect of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 528pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Securities, of any notice of objection of the Commission to the use of the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 542.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Statement or any post-effective amendment thereto pursuant to Rule 401(g)(2) under the Act, of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 556.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the suspension of the qualification of the Securities for offering or sale in any jurisdiction, of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 571.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">initiation or threatening of any proceeding for any such purpose, or of any request by the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 585.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Commission for the amending or supplementing of the Registration Statement or the Prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or for additional information&#59; and, in the event of the issuance of any stop order or of any order <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 614.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">preventing or suspending the use of any Preliminary Prospectus or other prospectus with respect <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 628.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to the Securities or suspending any such qualification, to promptly use its best efforts to obtain <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 643.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the withdrawal of such order&#59; and in the event of any such issuance of a notice of objection, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 657.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">promptly to take such steps including, without limitation, amending the Registration Statement <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or filing a new registration statement, at its own expense, as may be necessary to permit offers <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 686.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and sales of the Securities by the Underwriters (references herein to the Registration Statement <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 700.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shall include any such amendment or new registration statement)&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">12<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">If required by Rule 430B(h) under the Act, to prepare a form of prospectus in a <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">form approved by you and to file such form of prospectus pursuant to Rule 424(b) under the Act <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">not later than may be required by Rule 424(b) under the Act&#59; and to make no further amendment <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 114.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or supplement to such form of prospectus which shall be disapproved by you promptly after <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 128.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reasonable notice thereof&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 154.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(c)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">Promptly from time to time to take such action as the Representatives may <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 168.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reasonably request to qualify the Securities<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 278.78pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 281.78pt; position: absolute; text-decoration: none; white-space: pre;">for offering and sale under the securities laws of such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 183.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">jurisdictions as the Representatives may request and to comply with such laws so as to permit the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 197.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">continuance of sales and dealings therein in such jurisdictions for as long as may be necessary to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">complete the distribution of the Securities, provided that in connection therewith the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shall not be required (i) to qualify as a foreign corporation where it is not now qualified, (ii) to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 239.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">file a general consent to service of process in any jurisdiction where it is not now so subject or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(iii) to take any action that would subject itself to taxation in any jurisdiction if it is not otherwise <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">so subject&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 294.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(d)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">Prior to 12&#58;00 p.m., New York City time, on the New York business day next <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 308.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">succeeding the date of this Agreement and from time to time, to furnish the Underwriters with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 322.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">written and electronic copies of the Prospectus in New York City in such quantities as they may <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 336.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reasonably request, and, if the delivery of a prospectus (or in lieu thereof, the notice referred to in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 350.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Rule 173(a) under the Act) is required at any time prior to the expiration of nine months after the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 365.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">time of issue of the Prospectus in connection with the offering or sale of the Securities and if at <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such time any event shall have occurred as a result of which the Prospectus as then amended or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 393.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">supplemented would include an untrue statement of a material fact or omit to state any material <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 407.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">fact necessary in order to make the statements therein, in the light of the circumstances under <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 421.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">which they were made when such Prospectus (or in lieu thereof, the notice referred to in Rule <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 435.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">173(a) under the Act) is delivered, not misleading, or, if for any other reason it shall be necessary <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">during such same period to amend or supplement the Prospectus or to file under the Exchange <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 464.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Act any document incorporated by reference in the Prospectus in order to comply with the Act or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 478.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Exchange Act, to notify you and upon your request to file such document and to prepare and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 492.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">furnish without charge to each Underwriter and to any dealer in securities as many written and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">electronic copies as you may from time to time reasonably request of an amended Prospectus or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">a supplement to the Prospectus that will correct such statement or omission or effect such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 534.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">compliance&#59; and in case any Underwriter is required to deliver a prospectus (or in lieu thereof, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 549.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the notice referred to in Rule 173(a) under the Act) in connection with sales of any of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 563.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Securities at any time nine months or more after the time of issue of the Prospectus, upon your <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 577.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">request but at the expense of such Underwriter, to prepare and deliver to such Underwriter as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 591.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">many written and electronic copies as you may request of an amended or supplemented <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 605.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus complying with Section 10(a)(3) of the Act&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 631.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(e)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">To make generally available to its security holders and to the Underwriters as <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 646.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">soon as practicable, but in any event not later than sixteen months after the effective date of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 660.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Registration Statement (as such date is defined in Rule 158(c) under the Act), an earnings <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 674.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">statement of the Company and its subsidiaries (which need not be audited) complying with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 688.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Section 11(a) of the Act and the rules and regulations of the Commission thereunder (including, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 702.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">at the option of the Company, Rule 158)&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">13<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 11.97pt;">(f)<font style="display: inline-block; height: 8.32pt; width: 24.03pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.99pt;">During the period beginning from the date hereof and continuing to and including<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">the date 30 days after the date of the Prospectus, not to, issue, offer, sell, contract to sell, pledge,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">grant any option to purchase, or otherwise dispose of any securities of the Company that are<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">substantially similar to the Securities, including but not limited to any options or warrants to<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.87pt;">purchase shares of Preferred Stock or any securities that are convertible or exchangeable for, or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.87pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">that represent the right to receive, Preferred Stock or any such substantially similar securities,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 243.42pt;">without the Representatives&#8217; prior written consent&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 184.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(g)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">To pay the required Commission filing fees relating to the Securities within the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 199.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">time required by Rule&#160;456(b)(1) under the Act without regard to the proviso therein and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">otherwise in accordance with Rules&#160;456(b) and 457(r) under the Act&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(h)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">To use the net proceeds received by it from the sale of the Securities pursuant to <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 254.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">this Agreement in the manner specified in the Pricing Prospectus under the caption &#8220;Use of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Proceeds&#8221;&#59; and<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 295.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(i)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 144pt; position: absolute;">To use reasonable best efforts to list the Shares on the New York Stock Exchange <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 309.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">within the 30 day period after the initial delivery of the Securities.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 9pt;">6.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute; width: 13.3pt;">(a)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 180pt; position: absolute; width: 359.93pt;">The Company represents and agrees that, other than the final term sheet<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 350.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">prepared and filed pursuant to Section 5(a) hereof, without the prior consent of the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 364.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">Representatives, it has not made and will not make any offer relating to the Securities that would<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.93pt;">constitute a &#8220;free writing prospectus&#8221; as defined in Rule 405 under the Act&#59; each Underwriter<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 393.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">represents and agrees that, without the prior consent of the Company and the Representatives, it<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.86pt;">has not made and will not make any offer relating to the Securities that would constitute a free<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.86pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 422.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">writing prospectus required to be filed with the Commission&#59; any such free writing prospectus<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 436.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">the use of which has been consented to by the Company and the Representatives (including the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 451.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">final term sheet prepared and filed pursuant to Section 5(a) hereof) is listed on Schedule II(a)<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 465.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 33.29pt;">hereto&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">The Company has complied and will comply with the requirements of Rule 433 <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">under the Act applicable to any Issuer Free Writing Prospectus, including timely filing with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Commission or retention where required and legending&#59; and<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 547.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(c)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">The Company agrees that if at any time following the issuance of an Issuer Free <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 561.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Writing Prospectus any event occurred or occurs as a result of which such Issuer Free Writing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus (i) would conflict with the information in the Registration Statement, the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 590.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus or the Prospectus or (ii) would include an untrue statement of a material fact or omit <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 604.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to state any material fact necessary in order to make the statements therein, in the light of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 619.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">circumstances then prevailing, not misleading, the Company will give prompt notice thereof to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 633.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Representatives and, if requested by the Representatives, will prepare and furnish without <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">charge to each Underwriter an Issuer Free Writing Prospectus or other document that will correct <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 662.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such conflict, statement or omission&#59; provided, however, that this representation and warranty <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shall not apply to any statements or omissions in an Issuer Free Writing Prospectus made in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reliance upon and in conformity with information furnished in writing to the Company by an <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 705.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter through the Representatives expressly for use therein.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">14<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">7.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">The Company covenants and agrees with the several Underwriters that the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company will pay all expenses incident to the performance of each of its obligations under this <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Agreement and will pay or cause to be paid the following&#58; (i) the fees, disbursements and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">expenses of the Company&#8217;s counsel and accountants in connection with the registration of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Securities under the Act and all other expenses in connection with the preparation, printing, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reproduction and filing of the Registration Statement, the Basic Prospectus, any Preliminary <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus, any Issuer Free Writing Prospectus and the Prospectus and amendments and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">supplements thereto and the mailing and delivering of copies thereof to the Underwriters and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 187.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">dealers&#59; (ii) the cost of printing or producing any Agreement among Underwriters, this <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 201.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Agreement any Blue Sky memorandum, closing documents (including any compilations thereof) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and any other documents in connection with the offering, purchase, sale and delivery of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 230.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Securities&#59; (iii) all expenses in connection with the qualification of the Securities for offering and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 244.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">sale under state securities laws, including the fees and disbursements of counsel for the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 259.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriters in connection with such qualification and in connection with any Blue Sky survey <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 273.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and&#47;or memorandum&#59; (iv) all fees and expenses in connection with the rating of the Securities <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 288pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and the listing of the Shares on the New York Stock Exchange&#59; (v) the filing fees incident to, and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 302.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the reasonable fees and disbursements of counsel for the Underwriters in connection with, any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 316.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">required review by the Financial Industry Regulatory Authority, Inc. of the terms of the sale of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 331.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Securities&#59; (vi) the cost of preparing the Securities&#59; (vii) any stock or transfer taxes and stamp <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 345.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or similar duties and the cost and charges of any transfer agent or registrar and (viii) all other <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">costs and expenses incident to the performance of its obligations hereunder which are not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 374.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">otherwise specifically provided for in this Section.&#160; It is understood, however, that, except as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 388.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">provided in this Section, and Sections 9 and 12 hereof, the Underwriters will pay all of their own <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 403.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">costs and expenses, including the fees of their counsel, transfer taxes on resale of any of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 417.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Securities by them, the cost of preparing and distributing any term sheet prepared by any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 432pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter, and any advertising expenses connected with any offers they may make. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 458.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">8.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">The obligations of the Underwriters hereunder, as to the Securities to be delivered <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 472.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">at the Time of Delivery, shall be subject to the condition that all representations and warranties <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 487.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and other statements of the Company herein are, at and as of the Time of Delivery, true and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 501.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">correct, the condition that the Company shall have performed all of its obligations hereunder <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">theretofore to be performed and the following additional conditions&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 542.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(a)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">The Prospectus shall have been filed with the Commission pursuant to Rule <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 556.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">424(b) under the Act within the applicable time period prescribed for such filing by the rules and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 571.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">regulations under the Act and in accordance with Section 5(a) hereof&#59; the final term sheet <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 585.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">contemplated by Section 5(a) hereof&#59; and all other material required to be filed by the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 600pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">pursuant to Rule 433(d) under the Act shall have been filed with the Commission within the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 614.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">applicable time period prescribed for such filings by Rule 433&#59; no stop order suspending the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 628.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">effectiveness of the Registration Statement or any part thereof shall have been issued and no <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 643.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">proceeding for that purpose shall have been initiated or threatened by the Commission and no <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 657.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">notice of objection of the Commission to the use of the Registration Statement or any post-<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">effective amendment thereto pursuant to Rule 401(g)(2) under the Act shall have been received&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 686.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">no stop order suspending or preventing the use of the Prospectus or any Issuer Free Writing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 700.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus shall have been initiated or threatened by the Commission&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">15<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">and all requests for additional information on the part of the Commission shall have been<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 221.45pt;">complied with to your reasonable satisfaction&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 112.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">Cleary Gottlieb Steen &#38; Hamilton LLP, counsel for the Underwriters, shall have <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">furnished to the Underwriters such opinion or opinions, dated as of the Closing Date, with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 141.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">respect to such matters as you may require, and the Company shall have furnished to such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">counsel such documents as they reasonably request for the purpose of enabling them to pass <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 170.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">upon such matters&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 196.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(c)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">The Company shall have furnished to the Underwriters an opinion, dated as of the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Closing Date, of Andrew S. Nix, Executive Vice President, Assistant Corporate Secretary, Chief <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Governance Officer, and Deputy General Counsel of the Company, in form and substance <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">satisfactory to you, substantially to the effect set forth in Exhibit A hereto&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 266.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(d)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">Sullivan &#38; Cromwell LLP, counsel for the Company, shall have furnished to the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 280.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriters an opinion and letter, each dated as of the Closing Date, in form and substance <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 295.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">satisfactory to you, substantially to the effect set forth in Exhibits B-1 and B-2 hereto&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 321.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(e)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">On the date of the Prospectus at a time concurrent with the execution of this <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Agreement, on the effective date of any post-effective amendment to the Registration Statement <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 350.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">filed subsequent to the date of this Agreement but prior to the Closing Date (other than the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 364.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus) and also prior to 9&#58;30 a.m., New York City time on the Closing Date, Ernst &#38; Young <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">LLP shall have furnished to you a letter or letters, dated the respective dates of delivery thereof, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 393.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">in form and substance satisfactory to you, containing statements and information of the type <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">ordinarily included in accountants&#8217; comfort letters with respect to the financial statements and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 422.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">certain financial information contained, or incorporated by reference, in the Prospectus&#59; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 448.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(f)<font style="display: inline-block; height: 8.32pt; width: 24.03pt;"></font></font><font style="left: 144pt; position: absolute;">(i) Neither the Company nor any of its subsidiaries shall have sustained since the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 463.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">date of the latest audited financial statements included or incorporated by reference in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 477.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus any loss or interference with its business from fire, explosion, flood or other calamity, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">whether or not covered by insurance, or from any labor dispute or court or governmental action, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">order or decree, otherwise than as set forth or contemplated in the Pricing Prospectus, and (ii) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">since June 30, 2024, there shall not have been any change in the capital stock or long term debt <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 535.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the Company or any of its subsidiaries, or any change, or any development involving a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 549.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">prospective change, in or affecting the condition (financial or otherwise), results of operations, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 564pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">business, properties or prospects of the Company and its subsidiaries, otherwise than as set forth <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 578.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or contemplated in the Pricing Prospectus, the effect of which, in any such case described in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 592.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">clause (i) or (ii), is in the judgment of the Representatives so material and adverse as to make it <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 607.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">impracticable or inadvisable to proceed with the public offering or the delivery of the Securities<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 531.53pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 621.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">on the terms and in the manner contemplated in the Prospectus&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 648pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(g)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">The Company shall have complied with the provisions of the first sentence of <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 662.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Section 5(d) hereof with respect to the furnishing of prospectuses on the business day next <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">succeeding the date of this Agreement&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">16<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(h)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">On or after the Applicable Time (i) no downgrading shall have occurred in the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">rating accorded the Company&#8217;s debt securities or preferred stock by any &#8220;nationally recognized <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">statistical rating organization&#8221;, as that term is defined by the Commission for purposes of Section <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 114.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">3(a)(62) of the Exchange Act, and (ii) no such organization shall have publicly announced that it <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 128.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">has under surveillance or review, with possible negative implications, its rating of any of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 142.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company&#8217;s debt securities or preferred stock&#59;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 168.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(i)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 144pt; position: absolute;">On or after the Applicable Time there shall not have occurred any of the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 183.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">following&#58; (i) a suspension or material limitation in trading in securities generally on the New <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 197.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">York Stock Exchange&#59; (ii) a suspension or material limitation in trading in the Company&#8217;s <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">securities on the New York Stock Exchange&#59; (iii) a general moratorium on commercial banking <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">activities declared by either Federal, New York or Alabama authorities or a material disruption in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 239.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">commercial banking or securities settlement or clearance services in the United States&#59; (iv) the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">outbreak or escalation of hostilities involving the United States or the declaration by the United <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">States of a national emergency or war or (v) the occurrence of any other calamity or crisis or any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 282.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">change in financial, political or economic conditions in the United States or elsewhere, if the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 296.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">effect of any such event specified in clause (iv) or (v) in the judgment of the Representatives <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 310.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">makes it impracticable or inadvisable to proceed with the public offering or the delivery of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 324.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Securities on the terms and in the manner contemplated in the Prospectus&#59; and<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 350.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(j)<font style="display: inline-block; height: 8.32pt; width: 24.69pt;"></font></font><font style="left: 144pt; position: absolute;">The Company shall have furnished or caused to be furnished to you at the Time of <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 365.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Delivery certificates of officers of the Company satisfactory to you that the representations and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">warranties of the Company are true and correct on and as of such date&#59; certifying the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 393.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">performance by the Company in all material respects of all its obligations required to be <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 407.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">performed at or prior to such time&#59; and as to the matters set forth in subsections (a) and (f) of this <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 421.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Section and as to such other matters as you may reasonably request.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 447.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">9.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 144pt; position: absolute;">(a)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 180pt; position: absolute;">The Company will indemnify and hold harmless each Underwriter, its <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 462pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">directors and officers, and each person, if any, who controls any Underwriter within the meaning <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 476.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of Section 15 of the Act or Section 20 of the Exchange Act, against any losses, claims, damages <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 490.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or liabilities, joint or several, to which such Underwriter or any such director, officer or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 504.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">controlling person may become subject, under the Act or otherwise, insofar as such losses, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 518.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon an <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 532.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">untrue statement or alleged untrue statement of a material fact contained in the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 546.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Statement, the Basic Prospectus, any Preliminary Prospectus, the Pricing Prospectus or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 561.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus, or any amendment or supplement thereto, any Issuer Free Writing Prospectus or any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 575.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;issuer information&#8221; filed or required to be filed pursuant to Rule 433(d) or any Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 589.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Disclosure Package under the Act, or arise out of or are based upon the omission or alleged <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 603.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">omission to state therein a material fact required to be stated therein or necessary to make the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 617.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">statements therein not misleading, and will reimburse each Underwriter, its directors, officers <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 631.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and controlling persons for any legal or other expenses reasonably incurred by such Underwriter <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 646.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or any director, officer or controlling person in connection with investigating or defending any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 660.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such action or claim as such expenses are incurred&#59; provided, however, that the Company shall <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 674.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">not be liable in any such case to the extent that any such loss, claim, damage or liability arises <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 688.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">out of or is based upon an untrue statement or alleged untrue statement or omission or alleged <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 702.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">omission made in the <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">17<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">Registration Statement, the Basic Prospectus, any Preliminary Prospectus, the Pricing Prospectus<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">or the Prospectus, or any amendment or supplement thereto, or any Issuer Free Writing<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.9pt;">Prospectus, or any Pricing Disclosure Package in reliance upon and in conformity with written<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 114.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">information furnished to the Company by any Underwriter through the Representatives expressly<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 128.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">for use therein.&#160; The Company and the Underwriters acknowledge and agree that the only<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 142.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">information furnished or to be furnished by any Underwriter to the Company for inclusion in the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 156.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">Pricing Disclosure Package and the Prospectus consists of the names of the Underwriters, the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 171.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">information set forth in the first and second sentences of the fourth paragraph and the seventh<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 185.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">and eighth paragraphs under the caption &#8220;Underwriting (Conflicts of Interest)&#8221; in the Preliminary<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 199.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 305.06pt;">Prospectus and the corresponding paragraphs in the Prospectus.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">Each Underwriter severally and not jointly will indemnify and hold harmless the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 239.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company, its directors and officers and each person, if any, who controls the Company within <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the meaning of Section 15 of the Act or Section 20 of the Exchange Act, against any losses, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">claims, damages or liabilities to which the Company or any such director, officer or controlling <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 282.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">person may become subject, under the Act or otherwise, insofar as such losses, claims, damages <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 296.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or liabilities (or actions in respect thereof) arise out of or are based upon an untrue statement or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 310.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">alleged untrue statement of a material fact contained in the Registration Statement, the Basic <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 324.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus, any Preliminary Prospectus, the Pricing Prospectus or the Prospectus, or any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 338.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">amendment or supplement thereto, or any Issuer Free Writing Prospectus or any Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 353.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Disclosure Package or arise out of or are based upon the omission or alleged omission to state <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 367.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">therein a material fact required to be stated therein or necessary to make the statements therein <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 381.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">not misleading, in each case to the extent, but only to the extent, that such untrue statement or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 395.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">alleged untrue statement or omission or alleged omission was made in the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 409.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Statement, the Basic Prospectus, any Preliminary Prospectus, the Pricing Prospectus or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 423.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus or any such amendment or supplement thereto, or any Issuer Free Writing Prospectus, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 438pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or any Pricing Disclosure Package in reliance upon and in conformity with written information <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 452.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">furnished to the Company by such Underwriter through the Representatives expressly for use <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 466.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">therein&#59; and will reimburse the Company, its directors, officers and controlling persons upon <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 480.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">demand for any legal or other expenses reasonably incurred by the Company or any such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 494.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">director, officer or controlling person in connection with investigating or defending any action, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 508.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">proceeding, claim as such expenses are incurred.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 534.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(c)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">Promptly after receipt by any person in respect of which an indemnity may be <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 549.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">sought under subsection (a) or (b) above (the &#8220;indemnified party&#8221;) of notice of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 563.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">commencement of any action, proceeding or investigation, such indemnified party shall, if a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 577.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">claim in respect thereof is to be made against the person against whom such indemnity may be <font style="display: inline-block; 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font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to the nature and basis of such indemnified party&#8217;s involvement in such action, proceeding or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 634.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">investigation&#59; but the omission to so notify the indemnifying party shall not relieve it from any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 648.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">liability that it may have to any indemnified party pursuant to such subsection unless and to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 662.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">extent it did not otherwise learn of such action.&#160; In case any such action, proceeding or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">investigation shall be brought against any indemnified party and it shall notify the indemnifying <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 690.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">party of the commencement thereof, the indemnifying party shall be entitled to participate <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 704.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">therein and, to the extent that it shall wish, jointly with any other indemnifying <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">18<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">party similarly notified, to assume the defense thereof, with counsel satisfactory to such<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">indemnified party (who shall not, except with the consent of the indemnified party, be counsel to<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">the indemnifying party), and, after notice from the indemnifying party to such indemnified party<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">of its election to so assume the defense thereof, the indemnifying party shall not be liable to such<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">indemnified party under such subsection for any legal expenses of other counsel or any other<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; 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white-space: pre; width: 467.92pt;">without the written consent of the indemnified party, effect the settlement or compromise of, or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 187.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">consent to the entry of any judgment with respect to, any pending or threatened action or claim in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; 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position: absolute; text-align: justify; text-align-last: var(--justify); top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.9pt;">indemnified party is an actual or potential party to such action or claim) unless such settlement,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 230.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">compromise or judgment (i) includes an unconditional release of the indemnified party from all<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 244.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">liability arising out of such action or claim and (ii) does not include a statement as to or an<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 259.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 432.62pt;">admission of fault, culpability or a failure to act, by or on behalf of any indemnified party.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(d)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">If the indemnification provided for in this Section 9 is unavailable to or <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">insufficient to hold harmless an indemnified party under subsection (a) or (b) above in respect of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 314.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">any losses, claims, damages or liabilities (or actions in respect thereof) referred to therein, then <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 328.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">each indemnifying party shall contribute to the amount paid or payable by such indemnified <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 343.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">party as a result of such losses, claims, damages or liabilities (or actions in respect thereof) in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 357.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such proportion as is appropriate to reflect the relative benefits received by the Company on the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 372pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">one hand and the Underwriters on the other from the offering of the Securities.&#160; If, however, the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 386.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">allocation provided by the immediately preceding sentence is not permitted by applicable law or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 400.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">if the indemnified party failed to give the notice required under subsection (c)&#160;above, then each <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 415.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">indemnifying party shall contribute to such amount paid or payable by such indemnified party in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 429.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such proportion as is appropriate to reflect not only such relative benefits but also the relative <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 444pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">fault of the Company on the one hand and the Underwriters on the other in connection with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 458.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">statements or omissions which resulted in such losses, claims, damages or liabilities (or actions <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 472.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">in respect thereof), as well as any other relevant equitable considerations.&#160; The relative benefits <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 487.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">received by the Company on the one hand and the Underwriters on the other shall be deemed to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 501.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">be in the same proportion as the total net proceeds from the offering (before deducting expenses) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 516pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">received by the Company bear to the total underwriting discounts and commissions received by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 530.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Underwriters, in each case as set forth in the table on the cover page of the Prospectus.&#160; 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font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">fact relates to information supplied by the Company on the one hand or the Underwriters on the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">other and the parties&#8217; relative intent, knowledge, access to information and opportunity to correct <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 602.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or prevent such statement or omission.&#160; 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position: absolute; top: 645.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">other method of allocation which does not take account of the equitable considerations referred <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to above in this subsection (d).&#160; The amount paid or payable by an indemnified party as a result <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 674.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the losses, claims, damages or liabilities (or actions in respect thereof) referred to above in this <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 688.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">subsection (d) shall be deemed to include any legal or other expenses reasonably incurred by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 703.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such indemnified party in connection with investigating or defending any such action or <font style="display: inline-block; 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font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">claim.&#160; Notwithstanding the provisions of this subsection (d), no Underwriter shall be required to<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">contribute any amount in excess of the amount by which the total price at which the Securities<font style="display: inline-block; 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position: absolute; text-align: justify; text-align-last: var(--justify); top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">Underwriters&#8217; obligations in this subsection (d) to contribute are several in proportion to their<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 187.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 236.48pt;">respective underwriting obligations and not joint.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(e)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute;">The obligations of the Company under this Section 9 shall be in addition to any <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">liability which the Company may otherwise have&#59; and the obligations of the Underwriters under <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">this Section 9 shall be in addition to any liability which the respective Underwriters may <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">otherwise have.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 283.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">10.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">(a) If any Underwriter shall default in its obligation to purchase the Shares which <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 297.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">it has agreed to purchase hereunder at the Time of Delivery, you may in your discretion arrange <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">for you or another party or other parties to purchase such Shares on the terms contained herein.&#160; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">If within thirty-six hours after such default by any Underwriter you do not arrange for the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">purchase of such Shares, then the Company shall be entitled to a further period of thirty-six hours <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">within which to procure another party or other parties satisfactory to the Representatives to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">purchase such Shares on such terms.&#160; In the event that, within the respective prescribed periods, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">you notify the Company that you have so arranged for the purchase of such Shares, or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 398.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company notifies you that it has so arranged for the purchase of such Shares, you or the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 412.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company shall have the right to postpone the Time of Delivery for a period of not more than <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 427.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">seven days, in order to effect whatever changes may thereby be made necessary in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 441.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Registration Statement or the Prospectus, or in any other documents or arrangements, and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company agrees to file promptly any amendments or supplements to the Registration Statement <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 470.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or the Prospectus that in your opinion may thereby be made necessary.&#160; The term &#8220;Underwriter&#8221; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 484.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">as used in this Agreement shall include any person substituted under this Section with like effect <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 499.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">as if such person had originally been a party to this Agreement with respect to such Shares.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 525.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(b)<font style="display: inline-block; height: 8.32pt; width: 13.02pt;"></font></font><font style="left: 135pt; position: absolute;">If, after giving effect to any arrangements for the purchase of the Shares of a <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">defaulting Underwriter or Underwriters by you and the Company as provided in subsection 10(a) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 554.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">above, the aggregate number of such Shares which remains unpurchased does not exceed one <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 568.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">eleventh of the aggregate number of all the Shares, then the Company shall have the right to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 583.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">require each non-defaulting Underwriter to purchase the number of Shares which such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 597.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter agreed to purchase hereunder and, in addition, to require each non-defaulting <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 612pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter to purchase its pro rata share (based on the number of Shares which such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 626.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter agreed to purchase hereunder) of the Shares of such defaulting Underwriter or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 640.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriters for which such arrangements have not been made&#59; but nothing herein shall relieve a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 655.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">defaulting Underwriter from liability for its default.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 675.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(c)<font style="display: inline-block; height: 8.32pt; width: 13.7pt;"></font></font><font style="left: 135pt; position: absolute;">If, after giving effect to any arrangements for the purchase of the Shares of a <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 690pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">defaulting Underwriter or Underwriters by you and the Company as provided in subsection 10(a) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 704.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">above, the aggregate number of Shares which remains unpurchased exceeds one <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">20<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">eleventh of the aggregate number of Shares to be purchased at the Time of Delivery, or if the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">Company shall not exercise the right described in subsection 10(b) above to require non-<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">defaulting Underwriters to purchase Shares of a defaulting Underwriter or Underwriters, then<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">this Agreement shall thereupon terminate, without liability on the part of any non-defaulting<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">Underwriter or the Company, except for the expenses to be borne by the Company and the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.93pt;">Underwriters as provided in Section 7 hereof and the indemnity and contribution agreements in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">Section 9 hereof&#59; but nothing herein shall relieve a defaulting Underwriter from liability for its<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 36.29pt;">default.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 199.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">11.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">The respective indemnities, agreements, representations, warranties and other <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 213.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">statements of the Company and the several Underwriters, as set forth in this Agreement or made <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 228pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">by or on behalf of them, respectively, pursuant to this Agreement, shall remain in full force and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 242.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">effect, regardless of any investigation (or any statement as to the results thereof) made by or on <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 256.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">behalf of any Underwriter, or any of its directors, officers or any person controlling any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter, the Company, or any of its directors, officers or any controlling person of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company, and shall survive delivery of and payment for the Securities.&#160; The provisions of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Section 7 and Section 9 hereof shall survive the termination or cancellation of this Agreement.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">12.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">If for any reason any Securities are not delivered by or on behalf of the Company <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 340.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">as provided herein other than because of a termination of this Agreement pursuant to Section 10, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 355.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Company will reimburse the Underwriters through you for all reasonable out-of-pocket <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 369.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">expenses approved in writing by you, including reasonable fees and disbursements of counsel, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reasonably incurred by the Underwriters in making preparations for the purchase, sale and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 398.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">delivery of the Securities but the Company shall then be under no further liability to any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 412.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter except as provided in Sections 7 and 9 hereof.&#160; If this Agreement shall be terminated <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 427.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">pursuant to Section 10 hereof, the Company shall not then be under any liability to any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 441.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriter with respect to the Securities, except as provided in Sections 7 and 9 hereof.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 468pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">13.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">Time shall be of the essence of this Agreement.&#160; As used herein, the term <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 482.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;business day&#8221; shall mean any day when the Commission&#8217;s office in Washington, D.C. is open <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 496.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">for business.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 523.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">14.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">The Company acknowledges and agrees that (i) the purchase and sale of the <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 537.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Shares pursuant to this Agreement is an arm&#8217;s-length commercial transaction between the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 552pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company, on the one hand, and the several Underwriters, on the other, (ii) in connection <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 566.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">therewith and with the process leading to such transaction each Underwriter is acting solely as a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 580.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">principal and not the agent or fiduciary of the Company, (iii) no Underwriter has assumed an <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 595.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">advisory or fiduciary responsibility in favor of the Company with respect to the offering <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 609.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">contemplated hereby or the process leading thereto (irrespective of whether such Underwriter has <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 624pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">advised or is currently advising the Company on other matters) or any other obligation to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 638.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company except the obligations expressly set forth in this Agreement and (iv) the Company has <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 652.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">consulted its own legal and financial advisors to the extent it deemed appropriate.&#160; The Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 667.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">agrees that it will not claim that the Underwriters, or any of them, has rendered advisory services <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 681.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of any nature or respect, or owes a fiduciary or similar duty to the Company, in connection with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 696pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such transaction or the process leading thereto.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">21<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">15.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">This Agreement supersedes all prior agreements and understandings (whether <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">written or oral) between the Company and the Underwriters, or any of them, with respect to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">subject matter hereof.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">16.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">This Agreement will inure to the benefit of and be binding upon the parties hereto <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 141.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and their respective successors, heirs, executors, and administrators, and the directors, officers <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and controlling persons referred to in Section 9 hereof, and no other person shall have any right <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 170.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or obligation hereunder.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 196.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">17.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">Recognition of the U.S. Special Resolution Regimes.<font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 223.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.3pt;">(a)<font style="display: inline-block; height: 8.32pt; width: 22.7pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.92pt;">In the event that any Underwriter that is a Covered Entity (as defined below)<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 237.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.9pt;">becomes subject to a proceeding under a U.S. Special Resolution Regime (as defined below), the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.89pt;">transfer from such Underwriter of this Agreement, and any interest and obligation in or under<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 266.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.89pt;">this Agreement, will be effective to the same extent as the transfer would be effective under the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 280.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.89pt;">U.S. Special Resolution Regime if this Agreement, and any such interest and obligation, were<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 295.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 347.34pt;">governed by the laws of the United States or a state of the United States.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 321.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(b)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.94pt;"> In the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">(as defined below) of such Underwriter becomes subject to a proceeding under a U.S. Special<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 350.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.9pt;">Resolution Regime, Default Rights (as defined below) under this Agreement that may be<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 364.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.97pt;">exercised against such Underwriter are permitted to be exercised to no greater extent than such<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; 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font-size: 12pt; font-style: normal; font-weight: normal; left: 445.63pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 420pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">As used in this Section 17&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 446.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; 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font-size: 12pt; font-style: normal; font-weight: normal; left: 162pt; position: absolute; text-decoration: none; white-space: pre;">with, 12 C.F.R. &#167; 47.3(b)&#59; or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 595.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 162pt; position: absolute; text-decoration: none; white-space: pre;">(iii) a &#8220;covered FSI&#8221; as that term is defined in, and interpreted in accordance <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 609.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 162pt; position: absolute; text-decoration: none; white-space: pre;">with, 12 C.F.R. &#167; 382.2(b).<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 149.32pt; position: absolute; text-decoration: none; white-space: pre;">Default Right<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 218.93pt; position: absolute; text-decoration: none; white-space: pre;">&#8221; has the meaning assigned to that term in, and shall be interpreted <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 650.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">in accordance with, 12 C.F.R. &#167;&#167; 252.81, 47.2 or 382.1, as applicable. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 149.32pt; position: absolute; text-decoration: none; white-space: pre;">U.S. Special Resolution Regime<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 309.53999999999996pt; position: absolute; text-decoration: none; white-space: pre;">&#8221; means each of (i) the Federal Deposit <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">Insurance Act and the regulations promulgated thereunder and (ii) Title II of <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">22<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">the Dodd-Frank Wall Street Reform and Consumer Protection Act and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">regulations promulgated thereunder. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 112.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">18.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">This Agreement will be governed by and construed in accordance with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">laws of the State of New York.<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 153.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">19.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">THE COMPANY AND EACH OF THE UNDERWRITERS HEREBY <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE <font style="display: inline-block; 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left: 72pt; position: absolute; text-decoration: none; white-space: pre;">THE TRANSACTIONS CONTEMPLATED HEREBY.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 237.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">20.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">This Agreement may be signed in any number of counterparts, each of which <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shall be deemed an original, which taken together shall constitute one and the same instrument. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 278.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">All notices hereunder shall be in writing, and if to the Underwriters shall be sufficient in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 292.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">all respects if delivered or sent by mail or facsimile transmission to Morgan Stanley &#38; Co. LLC <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 307.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">at 1585 Broadway, New York, New York 10036, Attention&#58; Investment Banking Division, with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 321.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">a copy to the Legal Department, BofA Securities, Inc. at 1540 Broadway, NY8-540-26-02, New <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 336pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">York, New York 10036-4039, Fax&#58; 212-901-7881, Attention&#58; Capital Markets Transaction <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 350.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Management&#47;Legal, Goldman Sachs &#38; Co. LLC at 200 West Street, New York, New York <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 364.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">1028-2198, Attention&#58; Registration Department, J.P. Morgan Securities LLC at 383 Madison <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Avenue, New York, New York 10179, Attention&#58; Investment Grade Syndicate Desk, RBC <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 393.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Capital Markets, LLC at Vesey Street, 8th Floor, New York, New York 10281, Attention&#58; DCM <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Transaction Management, and Regions Securities LLC at 615 South College Street, Suite 600, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 422.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Charlotte, North Carolina 28202, with a copy to Cleary Gottlieb Steen &#38; Hamilton LLP, One <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 436.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Liberty Plaza, New York, New York 10006, Attention&#58; David Lopez&#59; and if to the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 451.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shall be sufficient in all respects if delivered or sent by mail or facsimile transmission to its <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 465.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">address set forth in the Registration Statement, Attention&#58; Secretary, with a copy to Sullivan&#160;&#38; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 480pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Cromwell LLP, 125 Broad Street, New York, New York 10004, Fax&#58; 212-291-9280, Attention&#58; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 494.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Jared Fishman&#59; provided, however, that any notice to an Underwriter pursuant to Section 9(c) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 508.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">hereof shall be delivered or sent by mail or facsimile transmission to such Underwriter at its <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 523.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">address set forth in its Underwriters&#8217; Questionnaire which address will be supplied to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 537.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company by the Underwriters upon request.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 576pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Counterparts may be delivered via facsimile, electronic mail (including any electronic <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 590.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">signature covered by the U.S. federal ESIGN Act of 2000, Uniform Electronic Transactions Act, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 604.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Electronic Signatures and Records Act or other applicable law, e.g., www.docusign.com) or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 619.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">other transmission method and any counterpart so delivered shall be deemed to have been duly <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 633.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and validly delivered and be valid and effective for all purposes.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 660pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">21.<font style="display: inline-block; height: 8.32pt; width: 21pt;"></font></font><font style="left: 144pt; position: absolute;">Any action under this Agreement taken by the Underwriters jointly will be <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 674.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">binding upon all the Underwriters.&#160; In all dealings under this Agreement, the Representatives <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 688.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shall act on behalf of each of the Underwriters and the parties hereto shall be entitled to act <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">23<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">and rely upon any statement, request, notice or agreement on behalf of any Underwriter made or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 141.2pt;">given by the Representatives.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 8.32pt; position: absolute; top: 20.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 300pt; position: absolute; text-decoration: none; white-space: pre;">24<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_70" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">If the foregoing is in accordance with your understanding, please sign and return to us <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">one for the Company and each of the Representatives plus one for each counsel counterparts <font style="display: inline-block; 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font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriters and the Company.&#160; It is understood that your acceptance of this letter on behalf of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">each of the Underwriters is pursuant to the authority set forth in a form of Agreement among <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriters, the form of which shall be submitted to the Company for examination upon <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">request, but without warranty on your part as to the authority of the signers thereof.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 205.2pt; width: 612pt;"><div style="font-size: 0pt; left: 288pt; position: absolute; top: 0pt; width: 252pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 23.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 14.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 177pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 37.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="3"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 0pt; width: 214.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 214.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Very truly yours,<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 18pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 18pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="3"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 51.75pt; width: 214.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 214.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">REGIONS FINANCIAL CORPORATION <font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 18pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 18pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 103.5pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 103.5pt; width: 177pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 177pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Michael D. Smithy<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 119.25pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 119.25pt; width: 177pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 177pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Michael D. Smithy<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 135pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 135pt; width: 214.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 214.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Executive Vice President and Treasurer <font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 230.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 23.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 14.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 155.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 37.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 0pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Accepted as of the date hereof&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 35.25pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">MORGAN STANLEY &#38; CO. LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 89.25pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 89.25pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Hector Vazquez<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 105pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 105pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Hector Vazquez<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 120.75pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 120.75pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Executive Director<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 230.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 23.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 14.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 155.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 37.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 0pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Accepted as of the date hereof&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 35.25pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">BOFA SECURITIES, INC.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 93.75pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 93.75pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Anthony Aceto<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 109.5pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 109.5pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Anthony Aceto<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 125.25pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 125.25pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Managing Director<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 230.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 23.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 14.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 155.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 37.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 0pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Accepted as of the date hereof&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 35.25pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">GOLDMAN SACHS &#38; CO. LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 93.75pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 93.75pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Rishi Mathur<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 109.5pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 109.5pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Rishi Mathur<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 125.25pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 125.25pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Managing Director<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 230.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 23.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 14.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 155.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 37.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 0pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Accepted as of the date hereof&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 35.25pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">J.P. MORGAN SECURITIES LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 93.75pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 93.75pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Stephen L. 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position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Executive Director<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; 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position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Accepted as of the date hereof&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 35.25pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">RBC CAPITAL MARKETS, LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 93.75pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 93.75pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Eric Martinez<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 109.5pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 109.5pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Eric Martinez<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 125.25pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; 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position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 230.25pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 23.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 14.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 155.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 37.5pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 0pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Accepted as of the date hereof&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 9.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="4"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 35.25pt; width: 230.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 230.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">REGIONS SECURITIES LLC<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 93.75pt; width: 23.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 23.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="border-bottom: 1pt solid #000; font-size: 0; text-align: left; 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Armstrong<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 125.25pt; width: 37.5pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 37.5pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 37.5pt; position: absolute; top: 125.25pt; width: 155.25pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 155.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Managing Director - ECM<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"><div style="line-height: 7.63pt; position: absolute; top: 21.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 11pt; font-style: italic; font-weight: normal; left: 207.05pt; position: absolute; white-space: pre;">&#91;Signature Page &#8211; Underwriting Agreement&#93;<font style="display: inline-block; height: 7.63pt;"></font></font></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_94" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 269.18pt; position: absolute; white-space: pre;">SCHEDULE I<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 134.4pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 354pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 114pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 44.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 44.25pt; left: 0pt; position: absolute; top: 0pt; width: 354pt;"><div><div style="line-height: 8.12pt; position: absolute; top: 32.05pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 144.71pt; position: absolute; text-decoration: underline; white-space: pre;">Underwriter<font style="display: inline-block; height: 8.12pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 44.25pt; left: 354pt; position: absolute; top: 0pt; width: 114pt;"><div><div style="line-height: 8.12pt; position: absolute; top: 3.25pt; width: 114pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 14.03pt; position: absolute; text-decoration: none; white-space: pre;">Total Number of <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 17.65pt; width: 114pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 39.68pt; position: absolute; text-decoration: none; white-space: pre;">Shares <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 32.05pt; width: 114pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 16.03pt; position: absolute; text-decoration: underline; white-space: pre;">to be Purchased<font style="display: inline-block; height: 8.12pt;"></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 60pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Morgan Stanley &#38; Co. LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 2.32pt; font-style: normal; font-weight: normal; left: 137.56pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 138.14pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 138.29pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 138.29999999999998pt; position: absolute; text-decoration: none; white-space: pre;">.......................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 60pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 58.63pt;"></font></font><font style="left: 61.260000000000005pt; position: absolute;">3,200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 75.75pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">BofA Securities, Inc.<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 4.64pt; font-style: normal; font-weight: normal; left: 103.86pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 105.02pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 105.17pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.08pt; font-style: normal; font-weight: normal; left: 105.21pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 105.22999999999999pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 105.24pt; position: absolute; text-decoration: none; white-space: pre;">..................................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 75.75pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 58.63pt;"></font></font><font style="left: 61.260000000000005pt; position: absolute;">3,200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 91.5pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Goldman Sachs &#38; Co. LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 4.64pt; font-style: normal; font-weight: normal; left: 136.23pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 2.32pt; font-style: normal; font-weight: normal; left: 137.39pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 137.97pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 138.12pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.08pt; font-style: normal; font-weight: normal; left: 138.16pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 138.18pt; position: absolute; text-decoration: none; white-space: pre;">.......................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 91.5pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 58.63pt;"></font></font><font style="left: 61.260000000000005pt; position: absolute;">3,200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 107.25pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">J.P. Morgan Securities LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 4.64pt; font-style: normal; font-weight: normal; left: 136.85999999999999pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 138.01999999999998pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 138.17pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.08pt; font-style: normal; font-weight: normal; left: 138.21pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 138.23pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 138.24pt; position: absolute; text-decoration: none; white-space: pre;">.......................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 107.25pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 58.63pt;"></font></font><font style="left: 61.260000000000005pt; position: absolute;">3,200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 123pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">RBC Capital Markets, LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 135.2pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 135.35pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 135.35999999999999pt; position: absolute; text-decoration: none; white-space: pre;">........................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 123pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 58.63pt;"></font></font><font style="left: 61.260000000000005pt; position: absolute;">3,200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 138.75pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 4.64pt; font-style: normal; font-weight: normal; left: 117.86999999999999pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 2.32pt; font-style: normal; font-weight: normal; left: 119.03pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 1.18pt; font-style: normal; font-weight: normal; left: 119.61pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 119.89999999999999pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.32pt; font-style: normal; font-weight: normal; left: 120.05pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.08pt; font-style: normal; font-weight: normal; left: 120.13pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 120.14999999999999pt; position: absolute; text-decoration: none; white-space: pre;">.............................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 138.75pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 58.63pt;"></font></font><font style="left: 61.260000000000005pt; position: absolute;">3,200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 154.5pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Academy Securities, Inc.<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 123.16pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 123.31pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 123.35pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 123.36pt; position: absolute; text-decoration: none; white-space: pre;">............................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 154.5pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 67.63pt;"></font></font><font style="left: 70.25999999999999pt; position: absolute;">200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 170.25pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Blaylock Van, LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 4.64pt; font-style: normal; font-weight: normal; left: 97.57pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 1.18pt; font-style: normal; font-weight: normal; left: 98.72999999999999pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 99.02pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 99.17pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 99.21pt; position: absolute; text-decoration: none; white-space: pre;">....................................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 170.25pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 67.63pt;"></font></font><font style="left: 70.25999999999999pt; position: absolute;">200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 186pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Samuel A. Ramirez &#38; Company, Inc.<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.6pt; font-style: normal; font-weight: normal; left: 183.16pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 183.31pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 183.35pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 183.35999999999999pt; position: absolute; text-decoration: none; white-space: pre;">........................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 186pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 67.63pt;"></font></font><font style="left: 70.25999999999999pt; position: absolute;">200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 201.75pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">R. Seelaus &#38; Co., LLC<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.32pt; font-style: normal; font-weight: normal; left: 114.24pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.16pt; font-style: normal; font-weight: normal; left: 114.32pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.04pt; font-style: normal; font-weight: normal; left: 114.36pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 114.36999999999999pt; position: absolute; text-decoration: none; white-space: pre;">...............................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 201.75pt; width: 114pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.32pt; width: 67.63pt;"></font></font><font style="left: 70.25999999999999pt; position: absolute;">200,000<font style="display: inline-block; height: 8.32pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr><tr style="height: 18pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 0pt; position: absolute; top: 235.5pt; width: 354pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 3.35pt; width: 354pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Total<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 29.95pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 1.18pt; font-style: normal; font-weight: normal; left: 32.95pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.32pt; font-style: normal; font-weight: normal; left: 33.24pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 0.08pt; font-style: normal; font-weight: normal; left: 33.32pt; position: absolute; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font><font style="color: #b4b4b4; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 33.34pt; position: absolute; text-decoration: none; white-space: pre;">..........................................................................................................<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 15.75pt; left: 354pt; position: absolute; top: 235.5pt; width: 114pt;"><div><div style="line-height: 8.12pt; position: absolute; top: 3.55pt; width: 114pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; text-decoration: none; white-space: pre;"><font style="left: 2.63pt; position: absolute;"><font style="display: inline-block; height: 8.12pt; width: 52.63pt;"></font></font><font style="left: 55.260000000000005pt; position: absolute;">20,000,000<font style="display: inline-block; height: 8.12pt; width: 3.99pt;"></font></font></font></div></div></div></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_115" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 266.85pt; position: absolute; text-decoration: none; white-space: pre;">SCHEDULE II<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 122.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(a) Free Writing Prospectus listed pursuant to Section 6(a)<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 148.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(i) Pricing Term Sheet, a form of which is included in Schedule III hereto<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 175.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(b) Additional Documents Incorporated by Reference&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 201.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">None.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_139" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 264.52pt; position: absolute; text-decoration: none; white-space: pre;">SCHEDULE III<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 86.4pt; width: 612pt;"><div style="left: 186.75pt; position: absolute; top: 0pt;"><div style="position: absolute;"><img style="height: 40.5pt; width: 238.5pt;" src="regionslogoa.jpg" alt="regionslogoa.jpg"></div></div></div><div style="line-height: 6.77pt; position: absolute; top: 131.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 84.85pt; position: absolute; text-decoration: none; white-space: pre;">20,000,000 DEPOSITARY SHARES EACH REPRESENTING A 1&#47;40TH INTEREST IN A SHARE OF <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 143.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 150.68pt; position: absolute; text-decoration: none; white-space: pre;"> NON-CUMULATIVE PERPETUAL PREFERRED STOCK, SERIES F<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 167.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 264.39pt; position: absolute; text-decoration: none; white-space: pre;">Pricing Term Sheet <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 191.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">This pricing term sheet supplements the information set forth under &#8220;Description of the Series F Preferred Stock&#8221; in <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 203.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the preliminary prospectus supplement, dated July 22, 2024 (the &#8220;Preliminary Prospectus Supplement&#8221;) to the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 215.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">prospectus dated February 24, 2022. <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="position: absolute; top: 239.9pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 171.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 293.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 0pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Issuer&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 0pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.4pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 38.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 38.25pt; left: 0pt; position: absolute; top: 12.75pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Security&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 38.25pt; left: 174.75pt; position: absolute; top: 12.75pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Depositary shares (the &#8220;Depositary Shares&#8221;) each representing a&#160;1&#47;40<font style="display: inline-block; height: 6.93pt;"></font></font><font style="font-family: Times New Roman; font-size: 6.5pt; font-style: normal; font-weight: normal; left: 279.51pt; position: absolute; text-decoration: none; top: -2.4254999999999995pt; vertical-align: super; white-space: pre;">th<font style="display: inline-block; height: 4.5045pt;"></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 284.56pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">interest in a share of&#160; Non-Cumulative Perpetual Preferred Stock, Series <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">F, of the Issuer (the &#8220;Preferred Stock&#8221;)<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 23.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 0pt; position: absolute; top: 51pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Expected&#160;Security&#160;Ratings (Moody&#8217;s&#47;<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">S&#38;P&#47;Fitch)&#58;*<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 174.75pt; position: absolute; top: 51pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Baa3&#160; &#47; BB+ &#47; BB+ (Negative&#47;Stable&#47;Stable)<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 74.25pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Size&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 74.25pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.4pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">$500,000,000&#47; 20,000,000 Depositary Shares<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 87pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Over-allotment Option&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 87pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.4pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">No over-allotment option applies to this offering.<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 23.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 0pt; position: absolute; top: 105pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Liquidation Preference&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 174.75pt; position: absolute; top: 105pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.65pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">$25 per Depositary Share (equivalent to $1,000 per share of Preferred <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.65pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Stock)<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 128.25pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Term&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 128.25pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.4pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Perpetual<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 141pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">First Reset Date&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 141pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.4pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">September 15, 2029<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 26.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 26.25pt; left: 0pt; position: absolute; top: 159pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Reset Date&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 26.25pt; left: 174.75pt; position: absolute; top: 159pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The First Reset Date and each date falling on the fifth anniversary<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of the preceding reset date<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 50.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 50.25pt; left: 0pt; position: absolute; top: 190.5pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Reset Period&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 50.25pt; left: 174.75pt; position: absolute; top: 190.5pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The period from and including the First Reset Date to, but<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">excluding, the next following Reset Date and thereafter each<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">period from and including each Reset Date to, but excluding, the<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">next following Reset Date<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 23.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 0pt; position: absolute; top: 246pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Reset Dividend Determination Date&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 174.75pt; position: absolute; top: 246pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.65pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">In respect of any Reset Period, the day falling three business days prior <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.65pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">to the beginning of such Reset Period<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 62.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 62.25pt; left: 0pt; position: absolute; top: 274.5pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividend Rate (Non-Cumulative)&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 62.25pt; left: 174.75pt; position: absolute; top: 274.5pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">At a rate per annum equal to (i) 6.95% from the Settlement Date to, but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">excluding, September 15, 2029&#59; and (ii) for each Reset Period from, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">and including, September 15, 2029, the &#8220;five-year treasury rate&#8221; (as <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">defined in the Preliminary Prospectus Supplement) as of the most <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 51.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">recent Reset Dividend Determination Date plus 2.771%<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 23.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 0pt; position: absolute; top: 336.75pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Dividend Payment Dates&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 23.25pt; left: 174.75pt; position: absolute; top: 336.75pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.65pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Quarterly in arrears on March 15, June 15, September 15, and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.65pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">December 15 of each year, commencing on September 15, 2024<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 360pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Day Count&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 360pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.4pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">30&#47;360 <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 372.75pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Trade Date&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 372.75pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">July 22, 2024<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 12.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 0pt; position: absolute; top: 385.5pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Settlement Date&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 12.75pt; left: 174.75pt; position: absolute; top: 385.5pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">July 29, 2024 (T+5)**<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 74.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 0pt; position: absolute; top: 398.25pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Optional Redemption&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 174.75pt; position: absolute; top: 398.25pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The Issuer may redeem the Preferred Stock, at its option, subject to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">regulatory approval (if then required), at a price equal to $1,000 per <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">share (equivalent to $25 per Depositary Share), plus any declared and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">unpaid dividends (without regard to any undeclared dividends) to but <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 51.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">excluding the redemption date, (i) in whole or in part, from time to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">time, on any dividend payment date on or after the First <font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 468pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 171.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 3pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 293.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 33.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 174.75pt; position: absolute; top: 0pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.17pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Reset Date or (ii) in whole but not in part, at any time following a <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 13.17pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">regulatory capital treatment event (as defined in the Preliminary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 23.17pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus Supplement)<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 62.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 62.25pt; left: 0pt; position: absolute; top: 33.75pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Listing&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 62.25pt; left: 174.75pt; position: absolute; top: 33.75pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Application will be made to list the Depositary Shares on the New <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">York Stock Exchange (the &#8220;NYSE&#8221;) under the symbol &#8220;RFPrF.&#8221; If <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">approved for listing, trading of the Depositary Shares on the NYSE is <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">expected to commence within the 30-day period after the original <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 51.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">issuance date of the Depositary Shares<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 96pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Public Offering Price&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 174.75pt; position: absolute; top: 96pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.15pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">$25 per Depositary Share<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 62.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 62.25pt; left: 0pt; position: absolute; top: 110.25pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Underwriting&#160;Discounts and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Commissions&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 62.25pt; left: 174.75pt; position: absolute; top: 110.25pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">$9,859,000, reflecting 10,960,000 Depositary Shares sold to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">institutional investors, for which the underwriters received an <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">underwriting discount of $0.2500 per Depositary Share, and 9,040,000 <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Depositary Shares sold to retail investors, for which the underwriters <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 51.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">received an underwriting discount of $0.7875 per Depositary Share<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 33.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 0pt; position: absolute; top: 172.5pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Net Proceeds to Issuer (after <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 12.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">underwriting discounts and commissions, <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 22.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">before offering expenses)&#58;&#160;&#160;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 33.75pt; left: 174.75pt; position: absolute; top: 172.5pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">$490,141,000<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 74.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 0pt; position: absolute; top: 206.25pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Joint Book-Running Managers&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 74.25pt; left: 174.75pt; position: absolute; top: 206.25pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Morgan Stanley &#38; Co. LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">BofA Securities, Inc.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Goldman Sachs &#38; Co. LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">J.P. Morgan Securities LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 51.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">RBC Capital Markets, LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 63.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Regions Securities LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 50.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 50.25pt; left: 0pt; position: absolute; top: 285.75pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Co-Managers&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 50.25pt; left: 174.75pt; position: absolute; top: 285.75pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Academy Securities, Inc.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 15.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Blaylock Van, LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 27.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Samuel A. Ramirez &#38; Company, Inc.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 39.67pt; width: 293.25pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">R. Seelaus &#38; Co., LLC<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 0pt; position: absolute; top: 336pt; width: 171.75pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 171.75pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">CUSIP&#47;ISIN for the Depositary Shares&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="height: 14.25pt; left: 174.75pt; position: absolute; top: 336pt; width: 293.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.15pt; width: 293.25pt;"><font style="color: #000000; font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">7591EP 860&#47;US7591EP8604<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="line-height: 6.93pt; position: absolute; top: 433.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">*<font style="display: inline-block; height: 6.93pt; width: 13pt;"></font></font><font style="left: 90pt; position: absolute;">An explanation of the significance of ratings may be obtained from the rating agencies. Generally, rating <font style="display: inline-block; height: 6.93pt;"></font></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 445.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">agencies base their ratings on such material and information, and such of their own investigations, studies and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 457.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">assumptions, as they deem appropriate. The rating of the Depositary Shares should be evaluated independently <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 469.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">from similar ratings of other securities. A credit rating of a security is not a recommendation to buy, sell or hold <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 481.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">securities and may be subject to review, revision, suspension, reduction or withdrawal at any time by the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 493.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">assigning rating agency.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 7.28pt; position: absolute; top: 517.25pt; width: 612pt;"><font style="font-family: Arial; font-size: 10pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">**<font style="display: inline-block; height: 7.28pt; width: 10.22pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">It is expected that delivery of the Depositary Shares will be made in book-entry form only through the facilities <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 529.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">of The Depository Trust Company for the accounts of its participants, including Clearstream Banking, S.A., and <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 541.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Euroclear Bank SA&#47;NV, against payment in New York, New York on or about the fifth business day following <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 553.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">the Trade Date. Under Rule 15c6-1 of the Securities Exchange Act of 1934, trades of securities in the secondary <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 565.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">market generally are required to settle in one business day, referred to as T+1, unless the parties to a trade agree <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 577.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">otherwise. Accordingly, by virtue of the fact that the initial delivery of the Depositary Shares will not be made <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 589.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">on a T+1 basis, investors who wish to trade the Depositary Shares more than one business day before the <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 601.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">Settlement Date will be required to specify an alternative settlement cycle at the time of any such trade to <font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.93pt; position: absolute; top: 613.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">prevent a failed settlement.<font style="display: inline-block; height: 6.93pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 643.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The Depositary Shares are not deposits or obligations of a bank and are not insured or guaranteed by the <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 655.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Federal Deposit Insurance Corporation or by any other government agency or instrumentality. <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 682.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">The Issuer has filed a registration statement (including a prospectus, as supplemented by a preliminary <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 694.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">prospectus supplement) with the Securities and Exchange Commission, or SEC, for the offering to which this <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 706.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">communication relates. Before you invest, you should read each of these documents and the other <font style="display: inline-block; height: 6.77pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 6.77pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">documents the Issuer has filed with the SEC and incorporated by reference in such documents for more <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">complete information about the Issuer and this offering. You may get these documents for free by visiting <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">EDGAR on the SEC Web site at www.sec.gov. Alternatively, you may obtain a copy of these documents by <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">calling Morgan Stanley &#38; Co. LLC at (866) 718-1649, BofA Securities, Inc. at (800) 294-1322, Goldman Sachs <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 120pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">&#38; Co. LLC at (866) 471-2526, J.P. Morgan Securities LLC collect at (212) 834-4533, RBC Capital Markets, <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 132pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">LLC at (866) 375-6829, or Regions Securities LLC at (404) 279-7400.<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Any disclaimer or other notice that may appear below is not applicable to this communication and should be <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">disregarded. Such disclaimer or notice was automatically generated as a result of this communication being <font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="line-height: 6.77pt; position: absolute; top: 180pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">sent by Bloomberg or another email system.<font style="display: inline-block; height: 6.77pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_199" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 441.03pt; position: absolute; text-decoration: none; white-space: pre;">EXHIBIT A<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 103.55pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Matters to be Addressed in the Opinion of Andrew S. Nix, Executive Vice President, Assistant <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 117.1pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Corporate Secretary, Chief Governance Officer, and Deputy General Counsel for the Company&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 142.65pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">1.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">The Company has been duly incorporated and is validly existing as a corporation in good <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">standing under the laws of the State of Delaware, with the corporate power and authority <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 169.75pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to own or lease its properties and conduct its business as described in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 183.3pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus and the Prospectus.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 208.85pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">2.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">The Company is duly registered as a bank holding company and has elected to be treated <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 222.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">as a financial holding company under the Bank Holding Company Act of 1956, as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 235.95pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">amended.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 261.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">3.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">The Company has been duly qualified as a foreign corporation for the transaction of <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 275.05pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">business and is in good standing under the laws of each other jurisdiction in which it <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 288.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">owns or leases properties or conducts any business so as to require such qualification or is <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 302.15pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">subject to no material liability or disability by reason of the failure to be so qualified in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 315.7pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">any such jurisdiction (except in any case in which the failure to so file would not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 329.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">reasonably be expected to have a Material Adverse Effect).<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 354.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">4.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">Regions Bank has been duly organized and is validly existing as a bank and is validly <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 368.35pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">existing in good standing under the laws of the State of Alabama&#59; and all of the issued <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 381.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">shares of capital stock of Regions Bank have been duly and validly authorized and issued, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 395.45pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">are fully paid and non-assessable, and (except for directors&#8217; qualifying shares and as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 409pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">otherwise set forth in the Pricing Prospectus and the Prospectus), are owned directly or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 422.55pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">indirectly by the Company free and clear of all liens, encumbrances, equities or claims.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 448.1pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">5.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">To the best of such counsel&#8217;s knowledge and other than as set forth in the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 461.65pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus and the Prospectus, there are no legal or governmental proceedings pending to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 475.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which the Company or Regions Bank is a party or of which any property of the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 488.75pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or Regions Bank is the subject which is reasonably likely to be adversely determined <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 502.3pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">against the Company or any of its subsidiaries and, if determined adversely to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 515.85pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company or Regions Bank, would individually or in the aggregate have a Material <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 529.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Adverse Effect on the current or future consolidated financial position, stockholders&#8217; <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 542.95pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">equity or results of operations of the Company and Regions Bank, taken as a whole&#59; and, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 556.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to the best of such counsel&#8217;s knowledge, no such proceedings are threatened by <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 570.05pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">governmental authorities.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 595.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">6.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">The documents incorporated by reference in the Pricing Prospectus and the Prospectus or <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 609.15pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">any further amendment or supplement thereto made by the Company prior to the date of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 622.7pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">such opinion (other than the financial statements and related schedules therein, as to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 636.25pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which such counsel may express no opinion), when they became effective or were filed <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 649.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">with the Commission, as the case may be, complied as to form in all material respects <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 663.35pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">with the requirements of the Act or the Exchange Act, as applicable, and the rules and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.9pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">regulations of the Commission thereunder&#59; and such counsel has no reason to believe that <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 690.45pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">any of such documents, when such documents became effective or were so filed, as the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 704pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">case may be, contained, in the case of a registration statement <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which became effective under the Act, an untrue statement of a material fact or omitted to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">state a material fact required to be stated therein or necessary to make the statements <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">therein not misleading, or, in the case of other documents which were filed under the Act <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 114.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">or the Exchange Act with the Commission, an untrue statement of a material fact or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 128.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">omitted to state a material fact necessary in order to make the statements therein, in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 142.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">light of the circumstances under which they were made when such documents were so <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">filed, not misleading.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 183.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">7.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">To the best of such counsel&#8217;s knowledge, there is no amendment to the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 197.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Statement required to be filed or of any contracts or other documents of a character <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">required to be filed as an exhibit to the Registration Statement or required to be <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">incorporated by reference into the Pricing Prospectus and the Prospectus or required to be <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 239.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">described in the Registration Statement, the Pricing Prospectus or the Prospectus which <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 253.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">are not filed or incorporated by reference or described as required&#59; to the best of such <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 268.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">counsel&#8217;s knowledge, the statements in the Registration Statement, the Pricing Prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 282.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and the Prospectus relating to legal matters, agreements, documents or proceedings are <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 296.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">accurate and fair summaries thereof and present the information required to be shown.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 322.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">8.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">The issue and sale of the Securities, the execution, delivery, filing or performance (as <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 336.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">applicable) by the Company of the Underwriting Agreement, the Certificate of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 350.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Designations and the Deposit Agreement, and the consummation of the transactions <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 365.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">contemplated in the Underwriting Agreement and in the Deposit Agreement will not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 379.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">conflict with or result in a breach or violation pursuant to (i)&#160;the certificate of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 393.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">incorporation or other charter document or by-laws of the Company or Regions Bank, (ii) <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 407.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the terms of any indenture, contract, lease, mortgage, deed of trust, note agreement, loan <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 421.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">agreement or other agreement, obligation, condition, covenant or instrument to which the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 435.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Company or Regions Bank is a party or by which the Company or Regions Bank is <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 450pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">bound or to which any of the property or assets of the Company or Regions Bank is <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 464.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">subject, or (iii)&#160;any statute, law, rule, regulation, judgment, order or decree applicable to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 478.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Company or Regions Bank of any court, regulatory body, administrative agency, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 492.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">governmental body, arbitrator or other authority having jurisdiction over the Company or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Regions Bank or any of its or their properties which violation or default would, in the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">case of clauses (ii) and (iii) above, either individually or in the aggregate with all other <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 534.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">violations and defaults referred to in this paragraph, reasonably be expected to result in a <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 549.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Material Adverse Effect.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 575.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 72pt; position: absolute;">9.<font style="display: inline-block; height: 8.32pt; width: 27pt;"></font></font><font style="left: 108pt; position: absolute;">No consent, approval, authorization, filing with or order of any court or governmental <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 589.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">agency or body is required for the execution, delivery or performance by the Company of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 603.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Underwriting Agreement, the Certificate of Designations and the Deposit Agreement, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 617.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the issuance and sale by the Company of the Securities and compliance with the terms <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 631.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and provisions in the Underwriting Agreement, the Certificate of Designations and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 646.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Deposit Agreement, or the consummation by the Company of the transactions <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 660.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">contemplated by the Underwriting Agreement, the Certificate of Designations and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 674.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Deposit Agreement, except such as have been obtained or such as may be required under <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 688.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">state securities or the blue sky laws of any jurisdiction in connection with the purchase <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 702.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">and distribution of the Securities by the Underwriters.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_240" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 431.7pt; position: absolute; text-decoration: none; white-space: pre;">EXHIBIT B-1<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 98.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Matters to be Addressed in the Opinion of Sullivan &#38; Cromwell LLP, Counsel for the Company&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 124.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.95pt;">In connection with the several purchases today by you and the other Underwriters named<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 139.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">in Schedule&#160;I to the Underwriting Agreement, dated July 22, 2024 (the &#8220;Underwriting<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 153.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">Agreement&#8221;), between Regions Financial Corporation, a Delaware corporation (the &#8220;Company&#8221;),<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">and you, as Representatives of the several Underwriters named therein (the &#8220;Underwriters&#8221;), of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 182.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">20,000,000 depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1&#47;40th interest in a<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 196.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">share of the Company&#8217;s Non-Cumulative Perpetual Preferred Stock, Series F, par value $1 per<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 211.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">share and liquidation preference $1,000 per share (the &#8220;Preferred Shares&#8221; and, together with the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 225.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">Depositary Shares, the &#8220;Securities&#8221;), which, when issued, will be deposited against delivery of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 240pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.92pt;">Depositary Receipts (the &#8220;Depositary Receipts&#8221;) evidencing the Depositary Shares that will be<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9200000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 254.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">issued pursuant to the Deposit Agreement, dated as of the date hereof (the &#8220;Deposit<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 268.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">Agreement&#8221;), entered into among the Company, Broadridge Financial Solutions, LLC, as<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 283.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.89pt;">depositary (the &#8220;Depositary&#8221;), and the holders from time to time of the Depositary Receipts, we,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 297.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">as counsel for the Company, have examined such corporate records, certificates and other<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 312pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.99pt;">documents, and such questions of law, as we have considered necessary or appropriate for the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 326.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 399.74pt;">purposes of this opinion. Upon the basis of such examination, it is our opinion that&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 352.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(1)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.98pt;">The Company has been duly incorporated and is an existing corporation in good<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 367.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 236.09pt;">standing under the laws of the State of Delaware.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 393.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(2)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.98pt;">The Preferred Shares have been duly authorized and validly issued and are fully<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 408pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 114.22pt;">paid and nonassessable.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 434.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 20.38pt;">(3) <font style="display: inline-block; height: 8.32pt; width: 19.02pt;"></font></font><font style="left: 147.4pt; position: absolute; width: 392.6pt;">All regulatory consents, authorizations, approvals and filings required to be<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 448.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">obtained or made by the Company under the Covered Laws for the issuance of the Securities in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 463.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">accordance with the Deposit Agreement and the sale and delivery of the Securities by the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 477.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.97pt;">Company to the Underwriters in accordance with the Underwriting Agreement have been<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 492pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 86.26pt;">obtained or made.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 518.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(4)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.98pt;">The issuance of the Depositary Shares in accordance with the Deposit Agreement<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 532.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">and the sale and delivery of the Depositary Shares by the Company to the Underwriters in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 547.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 394.62pt;">accordance with the Underwriting Agreement does not violate any Covered Laws.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 573.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(5)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.98pt;">The issuance of the Depositary Shares in accordance with the Deposit Agreement<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 588pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">and the sale and delivery of the Depositary Shares by the Company to the Underwriters in<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 602.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.89pt;">accordance with the Underwriting Agreement will not (a) violate the Company&#8217;s Amended and<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 616.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">Restated Certificate of Incorporation or Restated By-laws, in each case as in effect on the date<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 631.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 446.21pt;">hereof, or (b) result in a default or breach of any of the agreements listed on Annex A hereto.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(6)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.94pt;">The Underwriting Agreement has been duly authorized, executed and delivered<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 82.3pt;">by the Company.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 112.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(7)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.99pt;">The Deposit Agreement has been duly authorized, executed and delivered by the<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.99pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 126.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.93pt;">Company and constitutes a valid and legally binding agreement of the Company, enforceable<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9300000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 140.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">against the Company in accordance with its terms, subject to bankruptcy, insolvency, fraudulent<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 154.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">transfer, reorganization, moratorium and similar laws of general applicability relating to or<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 168.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">affecting creditors&#8217; rights and to general equity principles. We express no opinion, however, as to<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 182.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 184.18pt;">Section 5.7 of the Deposit Agreement.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 208.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute; width: 13.98pt;">(8)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute; width: 395.96pt;">Upon due issuance by the Depositary of the Depositary Receipts evidencing the<font style="display: inline-block; height: 8.32pt;"></font></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 222.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">Depositary Shares against the deposit of Preferred Shares in accordance with the provisions of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 236.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">the Deposit Agreement and payment therefore in accordance with the Underwriting Agreement,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 250.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.98pt;">the Depositary Receipts will entitle the persons in whose names the Depositary Receipts are<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.98pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 264.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">registered to the rights specified therein and in the Deposit Agreement, subject to bankruptcy,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 278.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 292.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 406.91pt;">applicability relating to or affecting creditors&#8217; rights and to general equity principles.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 318.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 108pt; position: absolute;">(9)<font style="display: inline-block; height: 8.32pt; width: 22.02pt;"></font></font><font style="left: 144pt; position: absolute;">The Company is not, and immediately after giving effect to the offering and sale <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 332.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the Securities and the application of the proceeds thereof as described in the Prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 346.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Supplement dated July 22, 2024, would not be on the date hereof an &#8220;investment company&#8221; as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 360.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">such term is defined in the Investment Company Act of 1940, as amended.&#160; In connection with <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 374.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">our opinion set forth in paragraph (1) above, we have relied solely on a good standing certificate <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 388.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">for the Company issued by the Secretary of State of the State of Delaware and we have assumed <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 402.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">that the Company has been duly incorporated.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 428.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre; width: 431.97pt;">We are expressing no opinion in paragraphs (3) and (4) above, insofar as performance by<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 442.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">the Company of its obligations under the Underwriting Agreement is concerned, as to<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 456.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 471pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">general applicability relating to or affecting creditors&#8217; rights. Also, for purposes of the opinions<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 485.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.9pt;">in paragraphs (3) and (4) above, &#8220;Covered Laws&#8221; means the Federal laws of the United States,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 499.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">the laws of the State of New York and the General Corporation Law of the State of Delaware<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 513.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.97pt;">(including the published rules or regulations thereunder) that in our experience normally are<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 527.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">applicable to general business corporations and the transactions such as those contemplated by<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 541.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 145.01pt;">the Underwriting Agreement&#59; <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 217.01pt; position: absolute; text-decoration: underline; white-space: pre; width: 42.64pt;">provided<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 259.65pt; position: absolute; text-decoration: none; white-space: pre; width: 6.05pt;">, <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 265.7pt; position: absolute; text-decoration: underline; white-space: pre; width: 41.29pt;">however<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 306.99pt; position: absolute; text-decoration: none; white-space: pre; width: 232.89pt;">, that such term does not include Federal or state<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 555.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">securities laws, antifraud laws and fraudulent transfer laws, tax laws, the Employee Retirement<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 569.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">Income Security Act of 1974, antitrust laws or any law that is applicable to the Company, the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 583.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">Securities or the Underwriting Agreement or the transactions contemplated thereby solely as part<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 597.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">of a regulatory regime applicable to the Company or its affiliates due to its or their status,<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 611.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 87.57pt;">business or assets.<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 159.57pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 637.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The foregoing opinion is limited to the Federal laws of the United States, the laws of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 651.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">State of New York and the General Corporation Law of the State of Delaware, and we are <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 665.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">expressing no opinion as to the effect of the laws of any other jurisdiction. <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">We have also relied as to certain matters upon information obtained from public officials, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 705.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">officers of the Company and other sources believed by us to be responsible, and we <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">have assumed that the Preferred Shares have been deposited with the Depositary in accordance<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">with the Deposit Agreement, that the Deposit Agreement has been duly authorized, executed and<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.97pt;">delivered by the Depositary, that the Depositary Receipts have been duly issued against deposit<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.97pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 115.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.94pt;">of the Preferred Shares with the Depositary, that the certificate evidencing the Depositary<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.94pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 129.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.9pt;">Receipts conforms to the specimen thereof examined by us, that the Depositary Receipts have<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 144pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.89pt;">been duly executed and delivered by one of the Depositary&#8217;s authorized officers and, if<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.89pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 158.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">necessary, have been duly countersigned by the registrar for the Depositary Receipts, that the<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 172.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 468pt;">Preferred Shares have been duly recorded by a transfer agent and duly registered by a registrar<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 540pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 187.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.96pt;">thereof in the direct registration system of the Company, that the notice required by Section<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.96pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 201.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.85pt;">151(f) of the General Corporation Law of the State of Delaware will be given to the holders of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.85pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 216pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.95pt;">the Preferred Shares within a reasonable time following the issuance of the Preferred Shares, and<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.95pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 230.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.91pt;">that the signatures on all documents examined by us are genuine, assumptions which we have not<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.9100000000001pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 244.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 111.23pt;">independently verified.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 271.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">This letter is furnished by us, as counsel to the Company, to you, as Representatives of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 285.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Underwriters, solely for the benefit of the Underwriters in their capacity as such, and may not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 300pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">be relied upon by any other person.&#160; This letter may not be quoted, referred to or furnished to any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 314.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">purchaser or prospective purchaser of the Securities and may not be used in furtherance of any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 328.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">offer or sale of the Securities.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_261" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 284.18pt; position: absolute; text-decoration: underline; white-space: pre;">Annex A<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 98.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">1.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Indenture between Regions Financial Corporation and Deutsche Bank Trust Company <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 112.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Americas, as Trustee, dated as of May 15, 2002 (&#8220;Subordinated Indenture&#8221;).<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 139.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">2.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">First Supplemental Indenture to Subordinated Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 153.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of May <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 168pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">15, 2002.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 194.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">3.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Second Supplemental Indenture to Subordinated Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 208.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of April <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 223.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">27, 2007.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 249.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">4.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Third Supplemental Indenture to Subordinated Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 264pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 278.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">December 10, 2007.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 304.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">5.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Indenture between Regions Financial Corporation and Deutsche Bank Trust Company <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 319.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Americas, as Trustee, dated as of August 8, 2005 (&#8220;Senior Indenture&#8221;).<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 345.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">6.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">First Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 360pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of August <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 374.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">8, 2005.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 400.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">7.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Second Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 415.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of June <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 429.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">26, 2007.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 456pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">8.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Third Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 470.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 484.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">November 10, 2009.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 511.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">9.<font style="display: inline-block; height: 8.32pt; width: 9pt;"></font></font><font style="left: 108pt; position: absolute;">Fourth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 525.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of April <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 540pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">26, 2010.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 566.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">10.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Fifth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 580.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of April <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 595.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">26, 2010.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 621.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">11.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Sixth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 636pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of April <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 650.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">30, 2013.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 676.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">12.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Seventh Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 705.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">February 8, 2016.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">13.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Eighth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of August <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">14, 2017.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">14.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Ninth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 141.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of August <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">13, 2018.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 182.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">15.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Tenth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 196.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 211.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">January 28, 2019.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 237.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">16.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Eleventh Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 252pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of May <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 266.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">18, 2020.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 292.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">17.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Twelfth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 307.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of August <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 321.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">12, 2021.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 348pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; text-decoration: none; white-space: pre;"><font style="left: 90pt; position: absolute;">18.<font style="display: inline-block; height: 8.32pt; width: 3pt;"></font></font><font style="left: 108pt; position: absolute;">Thirteenth Supplemental Indenture to Senior Indenture, between Regions Financial <font style="display: inline-block; height: 8.32pt;"></font></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 362.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Corporation and Deutsche Bank Trust Company Americas, as Trustee, dated as of June 6, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 376.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">2024.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic0f7902bb2c7414abddd1eba7ea0495f_283" style="position: absolute; top: 72pt;"></div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: bold; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">EXHIBIT B-2<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 97.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Matters to be Addressed in the Disclosure Letter of Sullivan &#38; Cromwell LLP, Counsel for the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 111.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 137.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">This is with reference to the registration under the Securities Act of 1933 (the &#8220;Securities <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 151.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Act&#8221;) and offering by Regions Financial Corporation (the &#8220;Company&#8221;) of 20,000,000 depositary <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 165pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">shares (the &#8220;Depositary Shares&#8221;), each representing a 1&#47;40th interest in a share of Non-<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 178.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Cumulative Perpetual Preferred Stock, Series F, par value $1 per share and liquidation preference <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 192.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">$1,000 per share, evidenced by depositary receipts (the &#8220;Depositary Receipts&#8221;) to be issued <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 206.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">pursuant to the Deposit Agreement, dated July 29, 2024 (the &#8220;Deposit Agreement&#8221;), among the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 220.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company, Broadridge Financial Solutions, LLC, as depositary (the &#8220;Depositary&#8221;), and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 234pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">holders from time to time of the Depositary Receipts.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 259.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The Registration Statement relating to the Securities (File No.&#160;333-262964) was filed on <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 273.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Form&#160;S-3 in accordance with the procedures of the Securities and Exchange Commission (the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 287.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">&#8220;Commission&#8221;) permitting a delayed or continuous offering of securities pursuant thereto and, if <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 301.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">appropriate, a post-effective amendment, document incorporated by reference therein or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 315pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">prospectus supplement that provides information relating to the terms of the securities and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 328.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">manner of their distribution. The Securities have been offered by the Prospectus, dated February <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 342.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">24, 2022 (the &#8220;Basic Prospectus&#8221;), as supplemented by the Prospectus Supplement, dated July <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 356.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">22, 2024 (the &#8220;Prospectus Supplement&#8221;), which updates or supplements certain information <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 370.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">contained in the Basic Prospectus. The Basic Prospectus, as supplemented by the Prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 384pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Supplement, does not necessarily contain a current description of the Company&#8217;s business and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 397.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">affairs since, pursuant to Form&#160;S-3, it incorporates by reference certain documents filed with the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 411.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Commission that contain information as of various dates.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 437.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">As counsel to the Company, we reviewed the Registration Statement, the Basic <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 451.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Prospectus, the Prospectus Supplement and the documents listed in Schedule&#160;A (those listed <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 465pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">documents, taken together with the Basic Prospectus, being referred to herein as the &#8220;Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 478.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Disclosure Package&#8221;), and participated in discussions with your representatives and those of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 492.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company and its accountants. Between the date of the Prospectus Supplement and the time of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">delivery of this letter, we participated in further discussions with your representatives and those <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the Company and its accountants, concerning certain matters relating to the Company and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 534pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">reviewed certificates of certain officers of the Company, letters addressed to you from the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 547.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Company&#8217;s accountants and an opinion addressed to you from the Company&#8217;s Assistant <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 561.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Corporate Secretary, Deputy General Counsel and Chief Governance Officer. On the basis of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 575.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">information that we gained in the course of the performance of the services referred to above, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 589.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">considered in the light of our understanding of the applicable law (including the requirements of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 603pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Form&#160;S-3 and the character of prospectus contemplated thereby) and the experience we have <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 616.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">gained through our practice under the Securities Act, we confirm to you that, in our opinion, the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 630.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Registration Statement, as of the date of the Prospectus Supplement, and the Basic Prospectus, as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 644.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">supplemented by the Prospectus Supplement, as of the date of the Prospectus Supplement, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 658.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">appeared on their face to be appropriately responsive, in all material respects relevant to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 672pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">offering of the Securities, to the requirements of the Securities Act and the applicable rules and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 685.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">regulations of the Commission thereunder. Also, we confirm to you that the statements contained <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 699.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">in the Prospectus Supplement under the captions &#8220;Description of <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Series F Preferred Stock&#8221;, &#8220;Description of Depositary Shares&#8221; and &#8220;Description of Capital <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 86.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Stock&#8221;, insofar as they relate to provisions of the Company&#8217;s amended and restated certificate of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">incorporation, restated by-laws and certificate of designations therein described, under the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 114.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">caption &#8220;Underwriting (Conflicts of Interest)&#8221;, insofar as they relate to the provisions of the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 128.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Underwriting Agreement between the Company and the Underwriters therein described, and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 142.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">under the captions &#8220;United States Federal Income Tax Consequences&#8221; and &#8220;Employee <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Retirement Income Security Act&#8221;, insofar as they purport to constitute a summary of matters of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 170.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">U.S. federal income tax law or the U.S. Employee Retirement Income Security Act of 1974, as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 184.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">amended, and regulations or legal conclusions with respect thereto, constitute a fair and accurate <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 198.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">summary of such provisions in all material respects.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 224.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Further, nothing that came to our attention in the course of such review has caused us to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 238.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">believe that, insofar as relevant to the offering of the Securities,<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 264.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(a) the Registration Statement, as of the date of the Prospectus Supplement, contained any <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 278.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">untrue statement of a material fact or omitted to state any material fact required to be <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 292.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">stated therein or necessary to make the statements therein not misleading, or<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 318.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(b) the Pricing Disclosure Package, as of 3&#58;35 p.m. on July 22, 2024 (which you have <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 332.64pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">informed us is prior to the time of the first sale of the Shares by any Underwriter), <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 346.68pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">contained any untrue statement of a material fact or omitted to state any material fact <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 360.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">necessary in order to make the statements therein, in the light of the circumstances under <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 374.76pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">which they were made, not misleading, or<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 400.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">(c) the Basic Prospectus, as supplemented by the Prospectus Supplement, as of the date of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 414.84pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the Prospectus Supplement, contained any untrue statement of a material fact or omitted <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 428.88pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">to state any material fact necessary in order to make the statements therein, in the light of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 442.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">the circumstances under which they were made, not misleading.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 468.96pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">We also advise you that nothing that came to our attention in the course of the procedures <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 483pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">described in the second sentence of the preceding paragraph has caused us to believe that the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 497.04pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Basic Prospectus, as supplemented by the Prospectus Supplement, as of the time of delivery of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 511.08pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">this letter, contained any untrue statement of a material fact or omitted to state any material fact <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 525.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">necessary in order to make the statements therein, in the light of the circumstances under which <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 539.16pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">they were made, not misleading.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 565.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">The limitations inherent in the independent verification of factual matters and the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 579.24pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">character of determinations involved in the registration process are such, however, that we do not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 593.28pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">assume any responsibility for the accuracy, completeness or fairness of the statements contained <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 607.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">in the Registration Statement, the Basic Prospectus, the Prospectus Supplement or the Pricing <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 621.36pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Disclosure Package, except to the extent specifically noted in the fourth sentence of the second <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 635.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">preceding paragraph. Also, we do not express any opinion or belief as to the financial statements <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 649.44pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">or other financial data derived from accounting records contained in the Registration Statement, <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 663.48pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package, or as to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 677.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">management&#8217;s report of its assessment of the effectiveness of the Company&#8217;s internal control <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 691.56pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">over financial reporting or the auditors&#8217; report as to the Company&#8217;s internal control over <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 705.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">financial reporting, each as included in the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Statement, the Basic Prospectus, the Prospectus Supplement or the Pricing Disclosure Package.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 98.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">This letter is furnished by us, as counsel to the Company, to you, as Representatives of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 112.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the several Underwriters, solely for the benefit of the Underwriters in their capacity as such, and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 127.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">may not be relied upon by any other person.&#160;This letter may not be quoted, referred to or <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 141.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">furnished to any purchaser or prospective purchaser of the Securities and may not be used in <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 156pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">furtherance of any offer or sale of the Securities.<font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<FILENAME>exhibit51-scconsent8xk.htm
<DESCRIPTION>EX-5.1
<TEXT>
<html><head><title>Exhibit 5.1 - S&amp;C Consent 8-K</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="i5f766347bff34e918428227f0f98903a_1" style="position: absolute; top: 108pt;"></div><div style="line-height: 8.32pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 472.01pt; position: absolute; text-decoration: none; white-space: pre;"> July 29, 2024<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 140.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Regions Financial Corporation,<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 154.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 90pt; position: absolute; text-decoration: none; white-space: pre;">1900 Fifth Avenue North,<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 166.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 108pt; position: absolute; text-decoration: none; white-space: pre;">Birmingham, Alabama 35203.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 190.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Ladies and Gentlemen&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 217.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">We are acting as counsel to Regions Financial Corporation, a Delaware <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 231.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">corporation (the &#8220;Company&#8221;) in connection with the registration under the Securities Act of 1933 <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 246pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">(the &#8220;Act&#8221;) of 20,000,000 depositary shares (the &#8220;Depositary Shares&#8221;) each representing a 1&#47;40<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 7.800000000000001pt; font-style: normal; font-weight: normal; left: 528.1800000000001pt; position: absolute; text-decoration: none; top: -2.912pt; vertical-align: super; white-space: pre;">th<font style="display: inline-block; height: 5.408pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 534.24pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 260.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">interest in a share of the Company&#8217;s Non-Cumulative Perpetual Preferred Stock, Series F, par <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 274.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">value $1 per share and liquidation preference $1,000 per share (the &#8220;Preferred Shares&#8221;). The <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 289.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Depositary Shares are evidenced by depositary receipts (&#8220;Depositary Receipts&#8221;) issued pursuant <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 303.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">to the Deposit Agreement, dated as of the date hereof (the &#8220;Deposit Agreement&#8221;), among <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 318pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Broadridge Corporate Issuer Solutions, LLC., as depositary ( the &#8220;Depositary&#8221;), the Company <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 332.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">and the holders from time to time of the Depositary Receipts. We have examined such corporate <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 346.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">records, certificates and other documents, and such questions of law, as we have considered <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 361.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">necessary or appropriate for the purposes of this opinion. Upon the basis of such examination, it <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 375.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">is our opinion that the Preferred Shares have been validly issued and are fully paid and non-<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 390pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">assessable, and the Depositary Receipts evidencing the Depositary Shares entitle the holders <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 404.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">thereof to the rights specified in the Depositary Receipts and the Deposit Agreement, subject to <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 418.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 433.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">general applicability relating to or affecting creditors&#8217; rights and to general equity principles.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 459.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">In rendering the foregoing opinion, we are not passing upon, and assume no <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 474pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">responsibility for, any disclosure in any registration statement or any related prospectus or other <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 488.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">offering material relating to the offer and sale of the Depositary Shares.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 514.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">The foregoing opinion is limited to the Federal laws of the United States, the laws <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 529.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the State of New York and the General Corporation Law of the State of Delaware, and we are <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 543.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">expressing no opinion as to the effect of the laws of any other jurisdiction.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 570pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">We have relied as to certain matters on factual information obtained from public <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 584.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">officials, officers of the Company and other sources believed by us to be responsible, and we <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 598.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">have assumed that the Preferred Shares have been deposited with the Depositary in accordance <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 613.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">with the Deposit Agreement, that the Deposit Agreement has been duly authorized, executed and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 627.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">delivered by the Depositary, that the Depositary Receipts have been duly issued against deposit <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 642pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of the Preferred Shares with the Depositary, that the certificate evidencing the Depositary <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 656.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Receipts conforms to the specimen thereof examined by us, that the Depositary Receipts have <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 670.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">been duly executed and delivered by one of the Depositary&#8217;s authorized officers and, if <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 685.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">necessary, have been duly countersigned by the registrar for the Depositary Receipts, that the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 699.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Preferred Shares have been duly recorded by a transfer agent and duly registered by a registrar <font style="display: inline-block; height: 8.32pt;"></font></font></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"><div style="line-height: 6.77pt; position: absolute; top: 13.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 10pt; font-style: normal; font-weight: bold; left: 493.35pt; position: absolute; text-decoration: none; white-space: pre;">Exhibit 5.1<font style="display: inline-block; height: 6.77pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.32pt; position: absolute; top: 37.5pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 204.58pt; position: absolute; text-decoration: none; white-space: pre;">&#91;Letterhead of Sullivan &#38; Cromwell LLP&#93;<font style="display: inline-block; height: 8.32pt;"></font></font></div></div></div><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div style="line-height: 8.32pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">thereof in the direct registration system of the Company, that the notice required by Section <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 122.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">151(f) of the General Corporation Law of the State of Delaware will be given to the holders of <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 136.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">the Preferred Shares within a reasonable time following the issuance of the Preferred Shares, and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 151.2pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">that the signatures on all documents examined by us are genuine, assumptions which we have not <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 165.6pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">independently verified.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 192pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">We hereby consent to the filing of this opinion as an exhibit to a Current Report <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 206.4pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">on Form 8-K to be incorporated by reference into the Registration Statement relating to the <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 220.8pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Depositary Shares and the Preferred Shares and to references to us under the heading &#8220;Validity <font style="display: inline-block; 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<html><head><title>Exhibit 8.1 - S&amp;C Consent 8-K</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div><div id="ic9e4125b4ad941d8aece9ea01989d8b8_1" style="position: absolute; top: 108pt;"></div><div style="line-height: 8.32pt; position: absolute; top: 108pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 475.01pt; position: absolute; text-decoration: none; white-space: pre;">July 29, 2024<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 140.4pt; width: 612pt;"><font style="font-family: Times New Roman; 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top: 196.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Ladies and Gentlemen&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 223.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">As tax counsel to Regions Financial Corporation in connection with the issuance <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 237.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">of 20,000,000 depositary shares each representing a 1&#47;40<font style="display: inline-block; 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height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 266.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">$1 per share and liquidation preference $1,000 per share, as described in the prospectus <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 280.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">supplement, dated July 22, 2024 (the &#8220;Prospectus Supplement&#8221;), to the prospectus dated <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 295.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">February 24, 2022, we hereby confirm to you that, subject to the qualifications, limitations and <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 309.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">assumptions set forth in the Prospectus Supplement, we are of the opinion that the&#160;statements set <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 323.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">forth in the Prospectus Supplement under the caption &#8220;United States Federal Income Tax <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 338.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Consequences,&#8221; insofar as they purport to constitute a summary of matters of U.S. federal <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 352.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">income tax law, constitute an accurate summary of the matters set forth therein in all material <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 367.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">respects.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 393.52pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">Our opinion set forth above is based on the Internal Revenue Code of 1986, as <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 407.92pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">amended, Treasury Regulations promulgated thereunder, administrative pronouncements and <font style="display: inline-block; 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height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 358.03pt; position: absolute; text-decoration: none; white-space: pre;">the <font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 375.68pt; position: absolute; text-decoration: none; white-space: pre;">United States.&#160; Moreover, we note <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 506.32pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">that our opinion is not binding on the Internal Revenue Service or courts, either of which could <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 520.72pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">take a contrary position.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 547.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 144pt; position: absolute; text-decoration: none; white-space: pre;">We hereby consent to the filing of this opinion as an exhibit to the Registration <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 559.12pt; width: 612pt;"><font style="font-family: Times New Roman; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">Statement under which the Notes have been offered and sold. 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  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_us-gaap_ClassOfStockDomain_e8fddef8-88f7-49b5-a94e-154e99aaa0f9_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_ClassOfStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_24a8492f-ea36-4593-aece-d6065da110fa_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_20f0d703-ff38-4f0c-a9a8-371d622468ea_terseLabel_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_label_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_6ca86443-c8ed-44fa-9e93-e9ee505f102e_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_401c4fae-3d0a-49f6-812f-64e5edcff975_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SolicitingMaterial_9a385385-4574-4386-88fc-a4fb925eba9a_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_SolicitingMaterial"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_a0c842fe-c53f-40ba-9ff1-8316842a435b_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockMember_5c11bbd6-51c4-4f4c-91a4-30aa3e3ea7fe_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock</link:label>
    <link:label id="lab_us-gaap_CommonStockMember_label_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_CommonStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_8b1f5eb1-ae5c-4db3-8f1e-ca687aa67f72_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_92c097e4-1f97-46c8-8daf-663679b8bf20_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_0c24ffc8-c85b-4d81-8dd0-c1f1ad5f185b_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_b1efeef1-37be-480c-942f-f8141e886bc5_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementTenderOffer_b9b270d7-17e7-4e08-8983-5fc8dc06d3a5_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SeriesFPreferredStockMember_7502b2a1-27ae-4921-b457-2a99816e52cc_terseLabel_en-US" xlink:label="lab_us-gaap_SeriesFPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series F Preferred Stock</link:label>
    <link:label id="lab_us-gaap_SeriesFPreferredStockMember_label_en-US" xlink:label="lab_us-gaap_SeriesFPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series F Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesFPreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesFPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeriesFPreferredStockMember" xlink:to="lab_us-gaap_SeriesFPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_bf8a1c63-326f-48c9-b748-0db6f896bb42_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_7739f5b0-0a50-4615-99fd-a739dab57e8c_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_2c483507-e8cf-4116-bb2e-b6b4dab7e726_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_e21791a7-3dc0-4249-b957-f0190352810c_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_53ab097e-2983-403c-b0ff-804ea40b0078_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_70e14755-da72-4762-a301-20766d2fe375_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SeriesBPreferredStockMember_644ab6bf-02c4-4752-815c-66a70710c488_terseLabel_en-US" xlink:label="lab_us-gaap_SeriesBPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series B Preferred Stock</link:label>
    <link:label id="lab_us-gaap_SeriesBPreferredStockMember_label_en-US" xlink:label="lab_us-gaap_SeriesBPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series B Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeriesBPreferredStockMember" xlink:to="lab_us-gaap_SeriesBPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_cd504d27-e2de-4acf-af2e-f657b6e39909_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_9aba853c-df5c-47fb-a090-509eb164eb82_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_0ad6ff42-591a-426c-8b08-61c603c0159d_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_58face09-18b4-4856-833c-dde4bb9846cc_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_WrittenCommunications_96d683c2-2616-438a-a94a-c73c7e6d9f0f_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_WrittenCommunications"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_d821c9c6-7c80-4460-ac25-5abf8b41475c_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_LocalPhoneNumber"/>
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    <link:label id="lab_us-gaap_SeriesCPreferredStockMember_46242ff4-fb2a-418a-be0a-1497b088e03d_terseLabel_en-US" xlink:label="lab_us-gaap_SeriesCPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series C Preferred Stock</link:label>
    <link:label id="lab_us-gaap_SeriesCPreferredStockMember_label_en-US" xlink:label="lab_us-gaap_SeriesCPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series C Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesCPreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd#us-gaap_SeriesCPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeriesCPreferredStockMember" xlink:to="lab_us-gaap_SeriesCPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_d3a8d526-7457-4e12-8b55-1d5917a2a1c9_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_4bcd91a7-3d5a-43d5-b768-4802096efdb3_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
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</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>8
<FILENAME>rf-20240725_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

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<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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  <link:presentationLink xlink:role="http://www.regions.com/role/Cover" xlink:type="extended">
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    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_624d0457-673f-4995-9378-1b391180d566" xlink:href="https://xbrl.sec.gov/dei/2024/dei-2024.xsd#dei_EntityIncorporationStateCountryCode"/>
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<SEQUENCE>11
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<span style="display: none;">v3.24.2</span><table class="report" border="0" cellspacing="2" id="idm139621008182736">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Jul. 25, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jul. 25,  2024<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">REGIONS FINANCIAL CORPORATION<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-34034<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">63-0589368<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">1900 Fifth Avenue North<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Birmingham<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">AL<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">35203<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">800<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">734-4667<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001281761<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $.01 par value<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RF<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/40th Interest in a Share of 6.375% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series B<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RF PRB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesCPreferredStockMember', window );">Series C Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/40th Interest in a Share of 5.700% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series C<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RF PRC<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember', window );">Series E Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/40th Interest in a Share of 4.45% Non-Cumulative Perpetual Preferred Stock, Series E<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RF PRE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesFPreferredStockMember', window );">Series F Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/40th Interest in a Share of Non-Cumulative Perpetual Preferred Stock, Series F<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RF PRF<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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