<SEC-DOCUMENT>0000930413-17-002014.txt : 20170505
<SEC-HEADER>0000930413-17-002014.hdr.sgml : 20170505
<ACCEPTANCE-DATETIME>20170505171150
ACCESSION NUMBER:		0000930413-17-002014
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20170503
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170505
DATE AS OF CHANGE:		20170505

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST HORIZON NATIONAL CORP
		CENTRAL INDEX KEY:			0000036966
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				620803242
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-15185
		FILM NUMBER:		17819443

	BUSINESS ADDRESS:	
		STREET 1:		165 MADISON AVENUE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103
		BUSINESS PHONE:		9018186232

	MAIL ADDRESS:	
		STREET 1:		165 MADISON AVENUE
		CITY:			MEMPHIS
		STATE:			TN
		ZIP:			38103

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE NATIONAL CORP
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST TENNESSEE BANKS INC
		DATE OF NAME CHANGE:	19600201
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>c88338_8k.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">WASHINGTON, DC 20549</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 1px solid">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of report (Date of earliest event reported):
May 3, 2017</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIRST HORIZON NATIONAL CORPORATION</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in
Charter)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 30%; text-align: center"><font style="font-size: 11pt"><b>TN</b></font></td>
    <TD STYLE="width: 5%"><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="width: 30%; text-align: center"><font style="font-size: 11pt"><b>001-15185</b></font></td>
    <TD STYLE="width: 5%"><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="width: 30%; text-align: center"><font style="font-size: 11pt"><b>62-0803242</b></font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center"><font style="font-size: 11pt">(State or Other Jurisdiction</font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 11pt">(Commission File Number)</font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 11pt">(IRS Employer</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center"><font style="font-size: 11pt">of Incorporation)</font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 11pt">&nbsp;</font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 11pt">Identification No.)</font></td></tr>
</table>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 11pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 60%; text-align: center"><font style="font-size: 11pt"><b>165 MADISON AVENUE </b></font></td>
    <TD STYLE="width: 5%"><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="width: 15%; text-align: center"><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="width: 20%"><font style="font-size: 11pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center"><font style="font-size: 11pt"><b>MEMPHIS, TENNESSEE</b></font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 11pt"><b>38103</b></font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td></tr>
<tr style="vertical-align: top">
    <TD STYLE="text-align: center"><font style="font-size: 11pt">(Address of Principal Executive Office)</font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 11pt">(Zip Code)</font></td>
    <TD><font style="font-size: 11pt">&nbsp;</font></td></tr>
</table>
<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&rsquo;s telephone number, including
area code - <B>(901) 523-4444</B></P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
from last report)</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 1px solid">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">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:</P>

<P STYLE="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 11pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr>
    <td style="vertical-align: top; width: 4%; padding-right: 3pt; padding-left: 3pt; font-size: 12pt"><FONT STYLE="font-family: Wingdings">x</FONT></td>
    <td style="vertical-align: bottom; width: 96%; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </font></td></tr>
<tr>
    <td style="vertical-align: top; padding-right: 3pt; padding-left: 3pt; font-size: 12pt"><font style="font-size: 12pt; color: black">&nbsp;</font></td>
    <td style="vertical-align: bottom; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">&nbsp;</font></td></tr>
<tr>
    <td style="vertical-align: top; padding-right: 3pt; padding-left: 3pt; font-size: 12pt"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td style="vertical-align: bottom; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </font></td></tr>
<tr>
    <td style="vertical-align: top; padding-right: 3pt; padding-left: 3pt; font-size: 12pt"><font style="font-size: 12pt; color: black">&nbsp;</font></td>
    <td style="vertical-align: bottom; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">&nbsp;</font></td></tr>
<tr>
    <td style="vertical-align: top; padding-right: 3pt; padding-left: 3pt; font-size: 12pt"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td style="vertical-align: bottom; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </font></td></tr>
<tr>
    <td style="vertical-align: top; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">&nbsp;</font></td>
    <td style="vertical-align: bottom; padding-right: 3pt; padding-left: 3pt">&nbsp;</td></tr>
<tr>
    <td style="vertical-align: top; padding-right: 3pt; padding-left: 3pt; font-size: 12pt"><FONT STYLE="font-family: Wingdings">o</FONT></td>
    <td style="vertical-align: bottom; padding-right: 3pt; padding-left: 3pt"><font style="font-size: 11pt; color: black">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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 &sect;230.405) or Rule 12b-2 of the Securities Exchange
Act of 1934 (17 CFR &sect;240.12b-2).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Emerging growth company <FONT STYLE="font-family: Wingdings; color: black">o</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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. <FONT STYLE="font-family: Wingdings; color: black">o</FONT></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item 1.01. Entry into a Material Definitive Agreement.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Agreement and Plan of Merger</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On May 3, 2017, First Horizon National Corporation, a Tennessee
corporation (&ldquo;<U>First Horizon</U>&rdquo;), entered into an Agreement and Plan of Merger (the &ldquo;<U>Merger Agreement</U>&rdquo;)
with Capital Bank Financial Corp., a Delaware corporation (&ldquo;<U>Capital Bank</U>&rdquo;) and Firestone Sub, Inc., a Delaware
corporation and a wholly owned subsidiary of First Horizon (&ldquo;<U>Merger Sub</U>&rdquo;). The Merger Agreement provides that,
upon the terms and subject to the conditions set forth therein, Merger Sub will merge with and into Capital Bank (the &ldquo;<U>Merger</U>&rdquo;),
with Capital Bank as the surviving corporation in the Merger (the &ldquo;<U>Surviving Company</U>&rdquo;). As soon as reasonably
practicable following the Merger, the Surviving Company will merge with and into First Horizon (the &ldquo;<U>Second Step Merger</U>&rdquo;,
and together with the Merger, the &ldquo;<U>Mergers</U>&rdquo;), with First Horizon as the surviving corporation in the Second
Step Merger. Immediately following the Second Step Merger, or at such later time as First Horizon may determine, Capital Bank&rsquo;s
wholly owned bank subsidiary, Capital Bank Corporation (&ldquo;<U>Capital Bank Sub</U>&rdquo;) and First Horizon&rsquo;s wholly
owned bank subsidiary, First Tennessee Bank National Association (&ldquo;<U>First Tennessee</U>&rdquo;) will be combined under
a single bank charter (the &ldquo;<U>Bank Merger</U>&rdquo;). The Merger Agreement was approved by the Board of Directors of each
of First Horizon, Merger Sub and Capital Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to the terms and conditions of the Merger Agreement,
at the effective time of the Merger (the &ldquo;<U>Effective Time</U>&rdquo;), each share of Capital Bank&rsquo;s Class A Common
Stock and Class B Non-Voting Common Stock (together, &ldquo;<U>Capital Bank Common Stock</U>&rdquo;) will be converted into the
right to receive either</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 5%; font-size: 10pt">&nbsp;</td>
    <TD STYLE="width: 5%; font-size: 10pt">(i)</td>
    <TD STYLE="width: 90%; font-size: 10pt">the amount in cash per share of Capital Bank Common Stock (the &ldquo;<u>Cash Consideration</u>&rdquo;) equal to the sum of (A) $7.90 plus (B) the product of 1.75 multiplied by the average of the closing sale prices of shares of common stock, par value $0.625 per share, of First Horizon (the &ldquo;<u>First Horizon Common Stock</u>&rdquo;) for the ten trading days immediately prior to the Effective Time (the &ldquo;<u>First Horizon Share Closing Price</u>&rdquo;), or</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</td>
    <TD STYLE="font-size: 10pt">&nbsp;</td>
    <TD STYLE="font-size: 10pt">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</td>
    <TD STYLE="font-size: 10pt">(ii)</td>
    <TD STYLE="font-size: 10pt">(ii) the number of shares of Capital Bank Common Stock (the &ldquo;<u>Exchange Ratio</u>&rdquo;) equal to the quotient of (A) the Cash Consideration divided by (B) the First Horizon Share Closing Price (the &ldquo;<u>Stock Consideration</u>&rdquo;, and together with the Cash Consideration, the &ldquo;<u>Merger Consideration</u>&rdquo;),</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">in each case at the election of the holder of such share of
Capital Bank Common Stock, subject to procedures applicable to oversubscription and undersubscription for cash consideration. The
aggregate amount of Cash Consideration will equal $410,535,300 (the &ldquo;<U>Cash Component</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition, each outstanding option granted by Capital Bank
to purchase shares of Capital Bank Common Stock (a &ldquo;<U>Capital Bank Stock Option</U>&rdquo;) will fully vest (to the extent
unvested) and will be assumed, on the same terms and conditions, by First Horizon and converted into an option to purchase a number
of shares of First Horizon Common Stock (rounded down to the nearest whole share) that equals the product of (A) the number of
shares of Capital Bank Common Stock subject to such Capital Bank Stock Option immediately prior to the Effective Time multiplied
by (B) the Exchange Ratio, at an exercise price per share of First Horizon Common Stock (rounded up to the nearest whole cent)
equal to the quotient of (A) the exercise price per share of Capital Bank Common Stock of such Capital Bank Stock Option divided
by (B) the Exchange Ratio. Each restricted share of Capital Bank that is outstanding immediately prior to the Effective Time will
be cancelled and converted automatically into the right to receive an amount in cash equal to the Cash Consideration, less applicable
tax withholdings.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Merger Agreement also provides, among other things, that
as of the Effective Time, the number of directors constituting the Board of Directors of First Horizon will be increased by two
and that one of the two vacancies shall be filled by Mr. R. Eugene Taylor and the other shall be filled by a member of the Board
of Directors of Capital Bank agreed upon by First Horizon and Capital Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Merger Agreement contains customary representations and
warranties from both First Horizon and Capital Bank, and each party has agreed to customary covenants, including, among others,
covenants relating to the conduct of its business during the interim period between the execution of the Merger Agreement and the
Effective Time, First Horizon&rsquo;s obligation to recommend that its shareholders approve the issuance of First Horizon Common
Stock in connection with the Merger, Capital Bank&rsquo;s obligation to recommend that its stockholders adopt the Merger Agreement,
and Capital Bank&rsquo;s non-solicitation obligations relating to alternative acquisition proposals. First Horizon and Capital
Bank have agreed to use their reasonable best efforts to prepare and file all applications, notices, and other documents to obtain
all necessary consents and approvals for consummation of the transactions contemplated by the Merger Agreement. Capital Bank also
agreed to use its reasonable best efforts to cause Capital Bank Sub to (1) prepare and file applications, notices and filings required
by Capital Bank&rsquo;s or Capital Bank Sub&rsquo;s regulators to permit Capital Bank Sub to make a distribution of cash to Capital
Bank immediately prior to the</P>

<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">anticipated closing date of the Merger, and (2) if First Horizon
so requests, cause Capital Bank Sub to make such a distribution in an amount not to exceed the lesser of (x) the amount of cash
that Capital Bank Sub may, in Capital Bank&rsquo;s reasonable determination distribute based on its available cash on hand and
(y) the amount approved by the applicable regulators, in each case not to exceed the Cash Component.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The completion of the Mergers is subject to customary conditions,
including, among others, (1) the adoption of the Merger Agreement by Capital Bank&rsquo;s stockholders, (2) approval of the common
stock issuance by First Horizon&rsquo;s stockholders, (3) authorization for listing on the New York Stock Exchange of the shares
of First Horizon Common Stock to be issued in the Merger, (4) the effectiveness of the registration statement on Form S-4 to be
filed with the Securities and Exchange Commission for the First Horizon Common Stock to be issued in the Merger, (5) the absence
of any order, injunction or other legal restraint preventing the completion of the Merger or the Bank Merger or making the consummation
of the Merger illegal, and (6) the receipt of required regulatory approvals, including the approval of certain federal banking
agencies, without the imposition of a Materially Burdensome Regulatory Condition (as defined in the Merger Agreement). Each party&rsquo;s
obligation to complete the Merger is also subject to certain additional customary conditions, including (i) the accuracy of the
representations and warranties of the other party, subject to specified materiality standards (ii) performance in all material
respects by the other party of its obligations under the Merger Agreement, and (iii) receipt by such party of an opinion from its
counsel to the effect that the Mergers, taken together, will qualify as a reorganization within the meaning of Section 368(a) of
the Internal Revenue Code of 1986, as amended.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Merger Agreement provides certain termination rights for
both First Horizon and Capital Bank and further provides that a termination fee of $85 million will be payable by Capital Bank
to First Horizon in connection with the termination of the Merger Agreement under certain circumstances.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The foregoing description of the Merger Agreement does not purport
to be complete and is qualified in its entirety by reference to the full text of the Merger Agreement, which is attached hereto
as Exhibit 2.1 and is incorporated herein by reference. The representations, warranties and covenants of each party set forth in
the Merger Agreement have been made only for purposes of, and were and are solely for the benefit of the parties to, the Merger
Agreement, may be subject to limitations agreed upon by the contracting parties, including being qualified by confidential disclosures
made for the purposes of allocating contractual risk between the parties to the Merger Agreement instead of establishing these
matters as facts, and may be subject to standards of materiality applicable to the contracting parties that differ from those applicable
to investors. Accordingly, the representations and warranties may not describe the actual state of affairs at the date they were
made or at any other time, and investors should not rely on them as statements of fact. In addition, such representations and warranties
(1) will not survive consummation of the Merger, and (2) were made only as of the date of the Merger Agreement or such other date
as is specified in the Merger Agreement. Moreover, information concerning the subject matter of the representations, warranties
and covenants may change after the date of the Merger Agreement, which subsequent information may or may not be fully reflected
in the parties&rsquo; public disclosures. Accordingly, the Merger Agreement is included with this filing only to provide investors
with information regarding the terms of the Merger Agreement, and not to provide investors with any other factual information regarding
First Horizon or Capital Bank, their respective affiliates or their respective businesses. The Merger Agreement should not be read
alone, but should instead be read in conjunction with the other information regarding First Horizon, Capital Bank, their respective
affiliates or their respective businesses, the Merger Agreement and the Merger that will be contained in, or incorporated by reference
into, the Registration Statement on Form S-4 that will include a joint proxy statement of First Horizon and Capital Bank and a
prospectus of First Horizon, as well as in the Forms 10-K, Forms 10-Q and other filings that each of First Horizon and Capital
Bank make with the Securities and Exchange Commission (the &ldquo;<U>SEC</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Company Support Agreements</I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: black">In connection with the execution
of the Merger Agreement, on May 3, 2017, </FONT>First Horizon <FONT STYLE="color: black">entered into letter agreements (collectively,
the &ldquo;<U>Company Support Agreements</U>&rdquo;) with (1) Oak Hill Capital Partners III, L.P. and Oak Hill Capital Management
Partners III, L.P. (together, &ldquo;<U>Oak Hill Capital Partners</U>&rdquo;), (2) Crestview NAFH, LLC and Crestview Advisors,
L.L.C. (together, &ldquo;<U>Crestview Partners</U>&rdquo;) and (3) R. Eugene Taylor (&ldquo;<U>Mr. Taylor</U>&rdquo; and together
with Oak Hill Capital Partners and Crestview Partners, the &ldquo;<U>Supporting Stockholders</U>&rdquo;). Pursuant to the Company
Support Agreements, each of </FONT>the Supporting Stockholders agreed that, at the meeting of Capital Bank&rsquo;s stockholders
in connection with the adoption of the Merger Agreement or any other meeting or action of Capital Bank&rsquo;s stockholders with
respect to which they are entitled to vote, each Supporting Stockholder will (i) vote all of the shares of Capital Bank Class A
Common Stock beneficially owned by them (the &ldquo;<U>Owned Voting Shares</U>&rdquo;) in favor of approval of the Merger Agreement
and the Merger, and (ii) not vote the Owned Voting Shares in favor of approval of any alternative acquisition proposal. Each Supporting
Stockholder also agreed not to solicit or engage in negotiations with respect to any alternative acquisition proposal. The Supporting
Stockholders will not be required to vote the Owned Voting Shares in favor of approval of certain amendments or modifications to
the Merger Agreement.</P>

<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In addition, prior to the Effective Time, each Supporting Stockholder
agreed not to, without the prior written consent of First Horizon, sell, transfer, pledge or otherwise encumber or dispose of the
Owned Voting Shares or any shares of Capital Bank Class B Non-Voting Common Stock beneficially owned by them (together with the
Owned Voting Shares, the &ldquo;<U>Owned Shares</U>&rdquo;), unless the transferee agrees in writing to comply with the requirements
of the Company Support Agreement, subject to certain exceptions generally permitting each of the Supporting Stockholders to sell
up to 25% of their Owned Shares, and permitting Mr. Taylor to sell up to 100% of his Owned Shares that were obtained through the
exercise of stock options, in transfers after the stockholder vote that are exempt from registration and are in compliance with
the volume limitations set forth in Rule 144.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Each Supporting Stockholder agreed not to commence or participate
in any class action relating to the negotiation or execution of the Company Support Agreements or the Merger Agreement, or the
consummation of the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The foregoing summary of the <FONT STYLE="color: black">Company
Support Agreements</FONT> is not intended to be complete and is qualified in its entirety by reference to the full text of the
<FONT STYLE="color: black">Company Support Agreements</FONT>, a form of which is filed as Exhibit 10.1 and incorporated herein
by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">* * *</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Forward-Looking Statements</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This Current Report on Form 8-K contains certain &ldquo;forward-looking
statements&rdquo; within the meaning of the Private Securities Litigation Reform Act of 1995 with respect to our beliefs, plans,
goals, expectations, and estimates. Forward-looking statements are not a representation of historical information, but instead
pertain to future operations, strategies, financial results or other developments. The words &ldquo;believe,&rdquo; &ldquo;expect,&rdquo;
&ldquo;anticipate,&rdquo; &ldquo;intend,&rdquo; &ldquo;estimate,&rdquo; &ldquo;should,&rdquo; &ldquo;is likely,&rdquo; &ldquo;will,&rdquo;
&ldquo;going forward,&rdquo; and other expressions that indicate future events and trends identify forward-looking statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Forward-looking statements are necessarily based upon estimates
and assumptions that are inherently subject to significant business, operational, economic and competitive uncertainties and contingencies,
many of which are beyond the control of First Horizon and Capital Bank, and many of which, with respect to future business decisions
and actions, are subject to change. Examples of uncertainties and contingencies include, among other important factors: global,
general, and local economic and business conditions, including economic recession or depression; expectations of and actual timing
and amount of interest rate movements, including the slope and shape of the yield curve, which can have a significant impact on
a financial services institution; market and monetary fluctuations, including fluctuations in mortgage markets; inflation or deflation;
customer, investor, competitor, regulatory, and legislative responses to any or all of these conditions; demand for First Horizon&rsquo;s
and Capital Bank&rsquo;s product offerings; the actions of the SEC, the Financial Accounting Standards Board (FASB), the Office
of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit
Insurance Corporation (FDIC), the Financial Industry Regulatory Authority (FINRA), the U.S. Department of the Treasury (Treasury),
the Municipal Securities Rulemaking Board (MSRB), the Consumer Financial Protection Bureau (CFPB), the Financial Stability Oversight
Council (Council), the Public Company Accounting Oversight Board (PCAOB), and other regulators and agencies, including in connection
with the regulatory approval process associated with the merger&#894; pending, threatened, or possible future regulatory, administrative,
and judicial outcomes, actions, and proceedings; current or future Executive orders; changes in laws and regulations applicable
to First Horizon and Capital Bank; the possibility that the proposed transaction will not close when expected or at all because
required regulatory, shareholder or other approvals are not received or other conditions to the closing are not satisfied on a
timely basis or at all&#894; the possibility that the anticipated benefits of the transaction will not be realized when expected
or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result
of the strength of the economy and competitive factors in the areas where First Horizon and Capital Bank do business&#894; the
possibility that the transaction may be more expensive to complete than anticipated, including as a result of unexpected factors
or events&#894; diversion of management&rsquo;s attention from ongoing business operations and opportunities&#894; potential adverse
reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the
transaction&#894; First Horizon&rsquo;s and Capital Bank&rsquo;s success in executing their respective business plans and strategies
and managing the risks involved in the foregoing; and other factors that may affect future results of First Horizon and Capital
Bank.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Additional factors that could cause results to differ materially
from those contemplated by forward-looking statements can be found in First Horizon&rsquo;s Annual Report on Form 10-K for the
year ended December 31, 2016 and in its subsequent Quarterly Reports on Form 10-Q filed with the SEC and available in the &ldquo;Investor
Relations&rdquo; section of First Horizon&rsquo;s website, http://www.firsthorizon.com, under the heading &ldquo;SEC Filings&rdquo;
and in other documents First Horizon files with the SEC, and in Capital Bank&rsquo;s Annual Report on Form 10-K for the year ended
December 31, 2016 and in its subsequent Quarterly Reports on Form 10-Q, including for the quarter ended March 31, 2017, filed with
the SEC and available in the &ldquo;Investor Relations&rdquo;</P>

<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">section of Capital Bank&rsquo;s website, https://www.capitalbank-us.com/,
under the heading &ldquo;Financials &amp; Filings&rdquo; and in other documents Capital Bank files with the SEC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Important Other Information</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In connection with the proposed transaction, First Horizon will
file with the SEC a Registration Statement on Form S-4 that will include a joint proxy statement of First Horizon and Capital Bank
and a prospectus of First Horizon, as well as other relevant documents concerning the proposed transaction. The proposed transaction
involving First Horizon and Capital Bank will be submitted to First Horizon&rsquo;s shareholders and Capital Bank&rsquo;s stockholders
for their consideration. This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities
or a solicitation of any vote or approval. SHAREHOLDERS OF FIRST HORIZON AND STOCKHOLDERS OF CAPITAL BANK ARE URGED TO READ THE
REGISTRATION STATEMENT AND THE JOINT PROXY STATEMENT/PROSPECTUS REGARDING THE TRANSACTION WHEN IT BECOMES AVAILABLE AND ANY OTHER
RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT
INFORMATION. Shareholders will be able to obtain a free copy of the definitive joint proxy statement/prospectus, as well as other
filings containing information about First Horizon and Capital Bank, without charge, at the SEC&rsquo;s website (http://www.sec.gov).
Copies of the joint proxy statement/prospectus and the filings with the SEC that will be incorporated by reference in the joint
proxy statement/prospectus can also be obtained, without charge, by directing a request to Clyde A Billings, Jr., First Horizon
National Corporation, 165 Madison, 8<SUP>th</SUP> Floor, Memphis, TN 38103, telephone (901) 523-5679, or Capital Bank Financial
Corp., Attention: Secretary, 4725 Piedmont Row Drive, Suite 110, Charlotte, NC 28210.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Participants in the Solicitation</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon, Capital Bank, and certain of their respective
directors, executive officers, and employees may be deemed to be participants in the solicitation of proxies in respect of the
proposed transaction. Information regarding First Horizon&rsquo;s directors and executive officers is available in its definitive
proxy statement, which was filed with the SEC on March 13, 2017, and certain of its Current Reports on Form 8-K. Information regarding
Capital Bank&rsquo;s directors and executive officers is available in its definitive proxy statement, which was filed with SEC
on April 28, 2017, and certain of its Current Reports on Form 8-K. Other information regarding the participants in the proxy solicitation
and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the joint proxy
statement/prospectus and other relevant materials filed with the SEC. Free copies of this document may be obtained as described
in the preceding paragraph.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><B>ITEM 9.01.</B> <B>Financial Statements and Exhibits </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 5%; font-size: 10pt">&nbsp;</td>
    <TD STYLE="width: 5%; font-size: 10pt">(d)</td>
    <TD STYLE="width: 90%; font-size: 10pt">Exhibits </td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 11pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 10%; font-size: 10pt">&nbsp;</td>
    <TD STYLE="width: 5%; font-size: 10pt">2.1</td>
    <TD STYLE="width: 85%; font-size: 10pt">Agreement and Plan of Merger, dated as of May 3, 2017, by and among First Horizon National Corporation, Capital Bank Financial Corp., and Firestone Sub, Inc.*</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</td>
    <TD STYLE="font-size: 10pt">10.1</td>
    <TD STYLE="font-size: 10pt">Form of Company Support Agreement</td></tr>
</table>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 15%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*Certain schedules to this agreement have been omitted pursuant
to Item 601(b)(2) of Regulation S-K and First Horizon agrees to furnish supplementally to the Securities and Exchange Commission
a copy of any omitted schedule upon request.</P>

<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURE</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="3"><b>First Horizon National Corporation</b></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="3">(Registrant)</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</td>
    <TD STYLE="width: 4%">&nbsp;</td>
    <TD STYLE="width: 30%">&nbsp;</td>
    <TD STYLE="width: 16%">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>Date: May 5, 2017</td>
    <TD>By:</td>
    <TD STYLE="border-bottom: black 1px solid">/s/ Clyde A. Billings, Jr.</td>
    <TD>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <td colspan="2"><i>Senior Vice President, Assistant</i></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <td colspan="2"><i>General Counsel, and Corporate Secretary </i></td></tr>
</table>

<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B><U>EXHIBIT INDEX</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 9%"><b>Exhibit No.</b></td>
    <TD STYLE="width: 91%; text-align: justify"><b>Description of Exhibit</b></td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD STYLE="text-align: justify">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>2.1</td>
    <TD STYLE="text-align: justify">Agreement and Plan of Merger, dated as of May 3, 2017, by and among First Horizon National Corporation, Capital Bank Financial Corp., and Firestone Sub, Inc.*</td></tr>
<tr style="vertical-align: top">
    <TD>10.1</td>
    <TD STYLE="text-align: justify">Form of Company Support Agreement</td></tr>
</table>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>


<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 15%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">*Certain schedules to this agreement have been omitted pursuant
to Item 601(b)(2) of Regulation S-K and First Horizon agrees to furnish supplementally to the Securities and Exchange Commission
a copy of any omitted schedule upon request.</P>



<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>c88338_ex2-1.htm
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY>


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 2.1</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 3px solid; border-bottom: Black 1px solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">AGREEMENT AND PLAN OF MERGER</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">dated May 3, 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">between</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase">First
Horizon National Corporation,</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase">Capital
Bank Financial Corp.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase">Firestone
Sub, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 1pt; margin-bottom: 1pt"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; border-bottom: Black 3px solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->


<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">Article
I</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">The Merger</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 6%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.1</FONT></TD>
    <TD STYLE="vertical-align: top; width: 86%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">The Merger</FONT></TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Effective Time</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Effects of the Merger</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Conversion of Company Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Dissenters Rights</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger Sub Common Stock</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Treatment of Company Equity Awards</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Certificate of Incorporation of Surviving Company</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Bylaws of Surviving Company</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Board of Directors</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">The Second Step Merger</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Bank Merger</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;II</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exchange of Shares</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Proration</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Election Procedures</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent to Make Shares and Cash Available</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">10</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exchange of Shares</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">10</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;III</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Representations and Warranties of Company</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Corporate Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">13</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Capitalization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">14</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">16</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">16</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Reports</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Financial Statements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">18</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">20</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">20</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Legal Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">20</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">21</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Employees and Employee Benefit Plans</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">22</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">25</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Certain Contracts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">26</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top; width: 6%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.14</FONT></TD>
    <TD STYLE="vertical-align: top; width: 86%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Agreements with Regulatory Agencies</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 8%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">27</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.15</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Environmental Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">27</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.16</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Investment Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">28</FONT></TD></TR>

<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.17</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Real Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">28</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.18</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Intellectual Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.19</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Related Party Transactions</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.20</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">State Takeover Laws</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.21</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Reorganization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.22</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Opinion</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.23</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Information</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">30</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.24</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Loan Portfolio</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">30</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.25</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Insurance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">31</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.26</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Information Security</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">31</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.27</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">No Investment Adviser Subsidiary</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">32</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3.28</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">32</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;IV</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Representations and Warranties of Parent and Merger Sub</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Corporate Organization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">33</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Capitalization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">33</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Authority; No Violation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">35</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Consents and Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">36</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Reports</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">36</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Financial Statements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">37</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Broker&rsquo;s Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">39</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">39</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Legal Proceedings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">39</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Taxes and Tax Returns</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">39</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Compliance with Applicable Law</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">40</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Certain Contracts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">41</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Agreements with Regulatory Agencies</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">41</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Information Security</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">41</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.15</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Related Party Transactions</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">41</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.16</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Reorganization</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">42</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.17</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Investment Securities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">42</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.18</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Opinion</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">42</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.19</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Information</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">42</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.20</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Loan Portfolio</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">43</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.21</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Financing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">43</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4.22</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">No Other Representations or Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">43</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 3; Options: NewSection; Value: 3 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->iii<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;V</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Covenants Relating to Conduct of Business</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 6%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5.1</FONT></TD>
    <TD STYLE="vertical-align: top; width: 86%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Conduct of Business Prior to the Effective Time</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 8%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">44</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Forbearances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">44</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Forbearances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">48</FONT></TD></TR>

<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;VI</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Additional Agreements</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Regulatory Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">49</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Access to Information</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">51</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Stockholder Approval</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">52</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Shareholder Approval</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">53</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Legal Conditions to Merger</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">54</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Stock Exchange Listing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">54</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Employee Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">54</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Indemnification; Directors&rsquo; and Officers&rsquo; Insurance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">56</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Additional Agreements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">58</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Advice of Changes</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">58</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Dividends</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">58</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Board</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">58</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Acquisition Proposals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">59</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Public Announcements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">60</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.15</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Change of Method</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">60</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.16</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Restructuring Efforts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">60</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.17</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Takeover Statutes</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">61</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.18</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exemption from Liability Under Section&nbsp;16(b)</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">61</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.19</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Litigation and Claims</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">61</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.20</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Assumption of Company Debt</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">62</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.21</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">No Control of Other Party&rsquo;s Business</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">62</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.22</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Bank Pre-Closing Dividend</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">62</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.23</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Cooperation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">62</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6.24</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Cooperation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">62</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;VII</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Conditions Precedent</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Conditions to Each Party&rsquo;s Obligation to Effect the Merger</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">63</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Conditions to Obligations of Parent and Merger Sub</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">63</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Conditions to Obligations of Company</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">64</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 4; Value: 3 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->iv<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;VIII</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Termination</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 6%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8.1</FONT></TD>
    <TD STYLE="vertical-align: top; width: 86%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Termination</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right; width: 8%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">65</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Effect of Termination</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">66</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Article&nbsp;IX</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">General Provisions</FONT></TD></TR>
<TR STYLE="font-size: 10pt">
    <TD COLSPAN="3" STYLE="vertical-align: top; text-align: center; text-transform: uppercase; font-size: 10pt">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Nonsurvival of Representations, Warranties and Agreements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">68</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Amendment</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">68</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Extension; Waiver</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">68</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">68</FONT></TD></TR>

<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Notices</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">68</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Interpretation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Counterparts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Entire Agreement</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">71</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">71</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">71</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Assignment; Third-Party Beneficiaries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">71</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Specific Performance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">72</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Severability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">72</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Delivery by Facsimile or Electronic Transmission</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">72</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 5; Value: 3 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->v<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->



<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INDEX OF DEFINED TERMS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><U>Page</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 90%; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Acquisition Proposal</FONT></TD>
    <TD STYLE="width: 10%; text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">59</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Adverse Recommendation Change</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">affiliate</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Agreement</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Bank Merger</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Bank Merger Agreement</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Bank Merger Certificates</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">BHC Act</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">business day</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Cash Component</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Cash Consideration</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Cash Conversion Number</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Cash Election</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Cash Election Number</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Cash Election Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Certificate of Merger</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Chosen Courts</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">71</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Closing</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Closing Date</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Code</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company 401(k) Plan</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">55</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Bank</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Benefit Plans</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Board</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Bylaws</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Class&nbsp;A Common Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Class&nbsp;B Non-Voting Common Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company COI</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Common Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Contract</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">27</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Disclosure Schedule</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Equity Awards</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company ERISA Affiliate</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">24</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Form 10-Q</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Indemnified Parties</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">56</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Insiders</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">61</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Leased Properties</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Meeting</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Owned Properties</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">28</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Preferred Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Qualified Plans</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Real Property</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="width: 82%; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Recommendation</FONT></TD>
    <TD STYLE="width: 18%; text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INDEX OF DEFINED TERMS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">27</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Reports</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Restricted Stock Award</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Stock Option</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Stock Plans</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Subsidiary</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Company Support Agreements</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Confidentiality Agreement</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">52</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Continuation Period</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">54</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Continuing Employees</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">54</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Derivative Contract</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">19</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">DGCL</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Dissenting Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Dissenting Stockholder</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Effective Time</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">2</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Election</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Election Deadline</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Election Period</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Enforceability Exceptions</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Environmental Laws</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">27</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">ERISA</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exception Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exchange Act</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exchange Agent</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exchange Fund</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">10</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Exchange Ratio</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">FDIC</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Federal Banking Agencies</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">26</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Federal Reserve Board</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Form of Election</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">GAAP</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Governmental Entity</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Holder</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">HSR Act</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Intellectual Property</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">IRS</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Joint Proxy Statement</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">knowledge</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Liens</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">15</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Loans</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">30</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">made available</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Material Adverse Effect</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">13</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Materially Burdensome Regulatory Condition</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">50</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger Consideration</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="width: 82%; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger Sub</FONT></TD>
    <TD STYLE="width: 18%; text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 7; Options: NewSection; Value: 7 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->vii<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INDEX OF DEFINED TERMS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt; width: 82%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger Sub Bylaws</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt; width: 18%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger Sub Certificate</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Merger Sub Common Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Mergers</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Multiemployer Plan</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Multiple Employer Plan</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">NASDAQ</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">New Certificates</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">New Plans</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">55</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Non-Election Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">NYSE</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">OFAC</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">26</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Old Certificate</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent 401(k) Plan</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">55</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Bank</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Board</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Bylaws</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Charter</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">33</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Common Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Contract</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">41</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Deferral Stock Unit Award</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Disclosure Schedule</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Form 10-K</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">32</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Meeting</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">53</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Performance Stock Unit Award</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Preferred Stock</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Regulatory Agreement</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">41</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Reports</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">37</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Restricted Stock Award</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Restricted Stock Unit Award</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Share Closing Price</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">12</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Stock Option</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">5</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Stock Options</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Stock Plans</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Parent Subsidiary</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">34</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">PBGC</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">23</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Per Share Cash Consideration</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Permitted Encumbrances</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">28</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">person</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">70</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Premium Cap</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">57</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Regulatory Agencies</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Representatives</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">59</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Requisite Company Vote</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">16</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Requisite Parent Vote</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">35</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Requisite Regulatory Approvals</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">63</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 8; Value: 3 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->viii<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">INDEX OF DEFINED TERMS</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(continued)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt; width: 82%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">S-4</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt; width: 18%"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Sarbanes-Oxley Act</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">SEC</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Second Certificate of Merger</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Second Effective Time</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Second Step Merger</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Securities Act</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">18</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Share Ratio</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Shortfall Number</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Significant Subsidiaries</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">21</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">SRO</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">17</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Stock Consideration</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Stock Election</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Stock Election Shares</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">3</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Subsidiary</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">14</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Surviving Company</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Surviving Corporation</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">1</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Takeover Statutes</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">29</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Tax</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Tax Return</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Taxes</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">22</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">TBCA</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">6</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Tennessee Articles of Merger</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Termination Date</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">66</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Termination Fee</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">67</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Volcker Rule</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">26</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Voting/Transfer Agreements</FONT></TD>
    <TD STYLE="text-align: right; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">15</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 9; Value: 7 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: LowerRoman; Name: PageNo -->ix<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif"><B>AGREEMENT
AND PLAN OF MERGER</B></FONT>, dated May 3, 2017 (this &ldquo;<U>Agreement</U>&rdquo;), between First Horizon National Corporation,
a Tennessee corporation (&ldquo;<U>Parent</U>&rdquo;), Capital Bank Financial Corp., a Delaware corporation (&ldquo;<U>Company</U>&rdquo;),
and Firestone Sub, Inc., a Delaware corporation and a direct, wholly owned Subsidiary of Parent (&ldquo;<U>Merger Sub</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RECITALS</B></P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">A. The
parties intend to effect a strategic business combination through the merger of Merger Sub with and into the Company (the &ldquo;<U>Merger</U>&rdquo;), with the Company as the surviving corporation (the &ldquo;<U>Surviving Company</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">B.
 Each of the board of directors of Parent (&ldquo;<U>Parent Board</U>&rdquo;) and the board of directors of Merger Sub unanimously has (1) determined that it is in the best interests of Parent
and Merger Sub, and the shareholders of Parent and Merger Sub, and declared it advisable, to enter into this Agreement with Company
providing for the Merger in accordance with the Delaware General Corporation Law (the &ldquo;<U>DGCL</U>&rdquo;), (2) adopted a resolution approving this Agreement and the transactions contemplated hereby in accordance
with applicable law on the terms and subject to the conditions of this Agreement and has authorized the execution and delivery
thereof and (3), in the case of Parent Board, adopted a resolution recommending that the shareholders of Parent approve the issuance
of Parent Common Stock in connection with the Merger.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">C. The
board of directors of Company (the &ldquo;<U>Company Board</U>&rdquo;)
unanimously has (1) determined that it is in the best interests of Company and the stockholders of Company, and declared it advisable,
to enter into this Agreement with Parent and Merger Sub providing for the Merger in accordance with the DGCL, (2) approved this
Agreement and the transactions contemplated hereby in accordance with the DGCL on the terms and subject to the conditions of this
Agreement and has authorized the execution and delivery thereof and (3) adopted a resolution recommending the plan of merger set
forth in this Agreement be adopted by the stockholders of Company (the &ldquo;<U>Company Recommendation</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">D. As
soon as reasonably practicable following the Merger, and as part of a single integrated transaction for purposes of the Internal
Revenue Code of 1986 (the &ldquo;<U>Code</U>&rdquo;), Parent shall cause
the Surviving Company to be merged with and into Parent (the &ldquo;<U>Second Step Merger</U>&rdquo;, and together with the Merger,
the &ldquo;<U>Mergers</U>&rdquo;), with Parent as the surviving corporation in the Second Step Merger (sometimes referred to in
such capacity as the &ldquo;<U>Surviving Corporation</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">E. For federal income tax purposes, it
is intended that the Mergers, taken together, shall qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a)
of the Code and this Agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections 354 and 361
of the Code.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">F. As
a condition to the parties&rsquo; willingness to enter into this Agreement, simultaneously with the execution and delivery of this
Agreement, certain stockholders of Company are entering into voting agreements (the &ldquo;<U>Company Support Agreements</U></FONT>&rdquo;)
pursuant to which each such stockholder is agreeing, among other things, on the terms and subject to the</P>

<!-- Field: Page; Sequence: 10; Options: NewSection; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->1<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">conditions of the applicable Company Support
Agreement, to vote his, her or its shares of Company Class A Common Stock in favor of the approval of the Merger and to take certain
other actions in furtherance thereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif"><B>NOW,
THEREFORE</B></FONT>, in consideration of the premises, and of the representations, warranties, covenants and agreements contained
in this Agreement, the parties agree as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>Article
I</B></FONT><B><BR>
<BR>
The Merger</B></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="text-underline-style: none">1.1 </FONT><U>The
Merger</U>. Upon the terms and subject to the conditions
of this Agreement, Merger Sub will merge with and into Company at the Effective Time. At the Effective Time, the separate corporate
existence of Merger Sub will terminate. Company will be the Surviving Company, and will continue its corporate existence under
the laws of the State of Delaware.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.2 <U>Closing</U>. The closing of the Merger
(the &ldquo;<U>Closing</U>&rdquo;) will take place at the offices of Sullivan &amp; Cromwell LLP, 125 Broad Street, New York,
New York, at 10:00 a.m. on the third business day (unless the parties agree to another time or date) after satisfaction or waiver
of the conditions set forth in Article VII, other than those conditions that by their nature are to be satisfied at the Closing,
but subject to the satisfaction or waiver of those conditions (the &ldquo;<U>Closing Date</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.3 <U>Effective Time</U>. Subject to the
provisions of this Agreement, in connection with the Closing, the Company and Merger Sub will duly execute and deliver a certificate
of merger (the &ldquo;<U>Certificate of Merger</U>&rdquo;) to the Delaware Secretary of State for filing under Section 251 of
the DGCL. The parties will make all other filings or recordings required under the DGCL, and the Merger will become effective
when the Certificate of Merger is filed in the office of the Delaware Secretary of State, or at such later date or time as Parent
and the Company agree and specify in the Certificate of Merger (the time the Merger becomes effective being the &ldquo;<U>Effective
Time</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.4 <U>Effects
of the Merger; Tax Consequences</U>. At and after the Effective
Time, the Merger shall have the effects set forth in the applicable provisions of the DGCL and other applicable law. It is intended
that the Mergers, taken together, shall qualify as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code,
and that this Agreement is intended to be and is adopted as &ldquo;plan of reorganization&rdquo; for purposes of Sections 354 and
361 of the Code.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.5 <U>Conversion
of Company Common Stock</U>. At the Effective Time, by virtue of
the Merger and without any action on the part of Parent, Company, Merger Sub or the holder of any of the following securities:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Subject
to Section 2.4(e), each share of Company Class A Common Stock, par value $0.01 (&ldquo;<U>Company Class A Common Stock</U>&rdquo;)
and each share of Company Class B Non-Voting Common Stock, par value $0.01 (&ldquo;<U>Company Class B Non-Voting Common Stock</U>&rdquo;
and,</P>

<!-- Field: Page; Sequence: 11; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">together
with the Company Class A Common Stock, &ldquo;<U>Company Common Stock</U></FONT>&rdquo;), in each case, issued and outstanding
immediately prior to the Effective Time, except for (1) shares of Company Common Stock owned by Company as treasury stock or otherwise
owned by Company or Parent (in each case other than shares of Company Common Stock (x) held in any Company Benefit Plans or related
trust accounts, managed accounts, mutual funds and the like, or otherwise held in a fiduciary, custodial or agency capacity or
(y) held, directly or indirectly, in respect of debts previously contracted ((x) and (y), collectively, the &ldquo;<U>Exception
Shares</U>&rdquo;)) and (2) Dissenting Shares, shall be converted, in accordance with the procedures set forth in this Agreement,
into the right to receive, without interest:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(i) For
each share of Company Common Stock with respect to which an election to receive cash (a &ldquo;<U>Cash Election</U>&rdquo;</FONT>)
has been effectively made and not revoked or deemed revoked pursuant to Section 2.2 (collectively, the &ldquo;<U>Cash Election
Shares</U>&rdquo;), an amount in cash equal to the Per Share Cash Consideration (the &ldquo;<U>Cash Consideration</U>&rdquo;);</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(ii) For
each share of Company Common Stock with respect to which an election to receive Parent Common Stock (a &ldquo;<U>Stock Election</U>&rdquo;</FONT>)
has been effectively made and not revoked or deemed revoked pursuant to Section 2.2 (collectively, the &ldquo;<U>Stock Election
Shares</U>&rdquo;), a number of validly issued, fully paid and nonassessable shares of the common stock, par value $0.625 per share,
of Parent (the &ldquo;<U>Parent Common Stock</U>&rdquo;) equal to the Exchange Ratio (the &ldquo;<U>Stock Consideration</U>&rdquo;);
and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(iii) For
each share of Company Common Stock other than shares as to which a Cash Election or a Stock Election has been effectively made
and not revoked pursuant to Section 2.2 (collectively, the &ldquo;<U>Non-Election Shares</U>&rdquo;</FONT>), the right to receive
such Stock Consideration or Cash Consideration as is determined in accordance with Section 2.1.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) For purposes of this Agreement, the
following terms shall have the following meanings:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(i) The
&ldquo;<U>Exchange Ratio</U>&rdquo;</FONT> means the quotient, rounded to the nearest one ten thousandth, of (A) the Per Share
Cash Consideration divided by (B) the Parent Share Closing Price.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(ii) The
&ldquo;<U>Per Share Cash Consideration</U>&rdquo;</FONT> means the sum, rounded to the nearest one-tenth of a cent, of (A) $7.90
plus (B) the product, rounded to the nearest one tenth of a cent, of 1.75 (the &ldquo;<U>Share Ratio</U>&rdquo;) times the Parent
Share Closing Price.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(iii) The
&ldquo;<U>Merger Consideration</U>&rdquo;</FONT> means the Cash Consideration and/or Stock Consideration described in Section 1.5(a),
as applicable.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(c) All
the shares of Company Common Stock converted into the right to receive the Merger Consideration pursuant to this Article I shall
no longer be outstanding and shall automatically be cancelled and shall cease to exist as of the Effective Time, and each certificate
(each, an &ldquo;<U>Old Certificate</U></FONT>,&rdquo; it being understood that any reference herein to &ldquo;<U>Old</U> <U>Certificate</U>&rdquo;
shall be deemed to include reference to book-entry account statements relating to the</P>

<!-- Field: Page; Sequence: 12; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">ownership
of shares of Company Common Stock) previously representing any such shares of Company Common Stock shall thereafter represent only
the right to receive (i) the applicable Merger Consideration in accordance with, and subject to, Sections 1.5(a), 2.1 and 2.2,
(ii) cash in lieu of a fractional share which the shares of Company Common Stock represented by such Old Certificate have been
converted into the right to receive pursuant to this Section 1.5 and Section 2.4(e), without any interest thereon, and (iii) any
dividends or distributions which the holder thereof has the right to receive pursuant to Section 2.4. Old Certificates previously
representing shares of Company Common Stock shall be exchanged for certificates or, at Parent&rsquo;s option, evidence of shares
in book entry form (collectively, referred to herein as &ldquo;<U>New Certificates</U></FONT>&rdquo;), representing the Stock Consideration
(together with any dividends or distributions with respect thereto and cash in lieu of fractional shares issued in consideration
therefor) or the Cash Consideration, as applicable, upon the surrender of such Old Certificates in accordance with Section 2.4,
without any interest thereon. If, between the date of this Agreement and the Effective Time, the outstanding shares of Parent Common
Stock or Company Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of
shares or securities, in any such case as a result of a reorganization, recapitalization, reclassification, stock dividend, stock
split, reverse stock split, or other similar change in capitalization, or there shall be any extraordinary dividend or distribution,
an appropriate and proportionate adjustment shall be made to each of the Per Share Cash Consideration and the Share Ratio to give
holders of Company Common Stock the same economic effect as contemplated by this Agreement prior to such event; <U>provided</U>,
that nothing in this sentence shall be construed to permit Parent or Company to take any action with respect to its securities
that is prohibited by the terms of this Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) Notwithstanding anything in this Agreement
to the contrary, at the Effective Time, all shares of Company Common Stock that are owned by Company or Parent or by any direct
or indirect Company or Parent Subsidiary (in each such case other than Exception Shares) prior to the Effective Time shall be cancelled
and shall cease to exist, and neither the Merger Consideration nor any other consideration shall be delivered in exchange therefor.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.6 <U>Dissenters Rights</U>. Notwithstanding
anything in this Agreement to the contrary, any issued and outstanding shares of Company Common Stock held by a person (a &ldquo;<U>Dissenting
Stockholder</U>&rdquo;) who has not voted in favor of, or otherwise consented to, the adoption of this Agreement and who is entitled
to and has properly demanded appraisal rights with respect thereto in accordance with Section 262 of the DGCL, has complied in
all respects with Section 262 of the DGCL and has not effectively withdrawn such demand (collectively, &ldquo;<U>Dissenting Shares</U>&rdquo;),
shall not be converted into the right to receive the Merger Consideration as described in Section 1.5(a), unless and until such
person shall have effectively withdrawn or otherwise lost or failed to perfect such person&rsquo;s right to appraisal or payment
under the DGCL, at which time such Shares shall be treated as if they had been converted into and become exchangeable for the
right to receive, as of the Effective Time, the Merger Consideration as provided in Section 1.5(a), without interest, payable
upon surrender of the Old Certificates (and related documents) in accordance with this Article I, and such Shares shall not be
deemed Dissenting Shares, and such holder thereof shall cease to have any other rights with respect to such Shares. Each holder
of Dissenting Shares shall be entitled to receive only the payment provided by Section 262 of the DGCL with respect to such Dissenting
Shares unless and until such person shall have effectively withdrawn or otherwise lost or failed to perfect such person&rsquo;s</P>

<!-- Field: Page; Sequence: 13; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">right to appraisal or payment under the
DGCL. Company shall give Parent prompt notice of receiving any demands for appraisal, withdrawals or attempted withdrawals of such
demands, and any other instruments served pursuant to applicable law with respect to appraisal rights. Company shall not, except
with the prior written consent of Parent, voluntarily make, or commit or agree to make, any payment with respect to any demands
for appraisal, offer to settle or settle any such demands or approve any withdrawal of any such demands.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.7 <U>Parent
Common Stock</U>. At and after the Effective Time, each
share of Parent Common Stock issued and outstanding immediately prior to the Effective Time shall remain issued and outstanding
and shall not be affected by the Merger.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.8 <U>Merger Sub Common Stock</U>. At and
after the Effective Time, each share of common stock of Merger Sub, par value $1.00 per share (the &ldquo;<U>Merger Sub Common
Stock</U>&rdquo;), issued and outstanding immediately prior to the Effective Time shall be converted into one share Company Class
A Common Stock of the Surviving Company.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.9 <U>Treatment
of Company Equity Awards</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) At
the Effective Time, each option granted by Company to purchase shares of Company Common Stock under a Company Stock Plan (as defined
below) that is outstanding and unexercised immediately prior to the Effective Time (a &ldquo;<U>Company Stock Option</U>&rdquo;),
shall fully vest (to the extent unvested) and shall be assumed by Parent and converted into an option (a &ldquo;<U>Parent Stock
Option</U>&rdquo;) to acquire (i) that number of whole shares of Parent Common Stock (rounded down to the nearest whole share)
equal to the product of (A) the number of shares of Company Common Stock subject to such Company Stock Option immediately prior
to the Effective Time <I>multiplied by</I> (B) the Exchange Ratio, (ii) at an exercise price per share of Parent Common Stock (rounded
up to the nearest whole cent) equal to the quotient of (A) the exercise price per share of Company Common Stock of such Company
Stock Option <I>divided by</I> (B) the Exchange Ratio. Except as otherwise provided in this Section 1.9(a), each such Parent Stock
Option assumed and converted pursuant to this Section 1.9(a) shall continue to have, and shall be subject to, the same terms and
conditions as applied to the corresponding Company Stock Option immediately prior to the Effective Time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) At
the Effective Time, each award in respect of a share of Company Common Stock subject to vesting, repurchase or other lapse restriction
granted under the Company Stock Plan that is outstanding immediately prior to the Effective Time (a &ldquo;<U>Company Restricted
Stock Award</U>&rdquo;) shall be cancelled and converted automatically into the right to receive an amount in cash (without
interest) equal to the Per Share Cash Consideration in respect of each share of Company Common Stock subject to such Company Restricted
Stock Award immediately prior to the Effective Time, less applicable tax withholdings.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) At the Effective Time, Parent shall
assume all the obligations of the Company under the Company Stock Plans and each outstanding Parent Stock Option, and the agreements
evidencing the grants thereof. Parent shall take all corporate action necessary to issue or reserve for issuance (as applicable)
a sufficient number of shares of Parent Common Stock with respect to the exercise of Parent Stock Options assumed by Parent pursuant
to Section 1.9(a). As soon as reasonably practicable after the Effective Time (but in no event later</P>

<!-- Field: Page; Sequence: 14; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">than three (3) business days following the
Closing Date), if and to the extent necessary to cause a sufficient number of shares of Parent Common Stock to be registered and
issuable under Parent Stock Options, Parent shall file a post-effective amendment to the Form S-4, a registration statement on
Form S-8 (or any successor or other appropriate form) with respect to the shares of Parent Common Stock subject to Parent Stock
Options and shall maintain the effectiveness of such registration statement or registration statements (and maintain the current
status of the prospectus or prospectuses contained therein) for so long as such Parent Stock Options remain outstanding.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) Parent shall pay the holders of Company
Restricted Stock Awards the cash payments described in Section 1.9(b) through Parent&rsquo;s payroll within five (5) business days
following the Effective Time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(e) At or prior to the Effective Time,
Company, the Company Board and its compensation committee, as applicable, shall adopt any resolutions and take any actions that
are necessary to effectuate the provisions of this Section 1.9.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(f) For purposes of this Agreement, the
following terms shall have the following meanings:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">(i) &ldquo;<U>Company
Equity Awards</U>&rdquo; means the Company Stock Options and the Company Restricted Stock Awards.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">(ii) &ldquo;<U>Company
Stock Plans</U>&rdquo; means the FNB United Corp. 2003 Stock Incentive Plan, the Company&rsquo;s 2010 Equity Incentive Plan,
the FNB United Corp. Amended and Restated 2012 Incentive Plan, and the Company&rsquo;s 2013 Omnibus Compensation Plan.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.10 <U>Certificate of Incorporation of
Surviving Company</U>. At the Effective Time, the Certificate of Incorporation of Merger Sub, as amended (the &ldquo;<U>Merger
Sub Certificate</U>&rdquo;), as in effect at the Effective Time, shall be the Certificate of Incorporation of the Surviving Company
until thereafter amended in accordance with applicable law.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.11 <U>Bylaws of Surviving Company</U>.
At the Effective Time, the Bylaws of Merger Sub (the &ldquo;<U>Merger Sub Bylaws</U>&rdquo;), as in effect immediately prior to the
Effective Time, shall be the Bylaws of the Surviving Company until thereafter amended in accordance with applicable law.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.12 <U>Board
of Directors</U>. The board of directors of the Surviving
Company shall consist of the members of the board of directors of Merger Sub immediately prior to the Effective Time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.13 <U>The
Second Step Merger</U>. On the Closing Date and as soon as reasonably practicable following the Effective Time, in accordance with the Tennessee Business
Corporation Act (the &ldquo;<U>TBCA</U>&rdquo;) and the DGCL, Parent shall cause the Surviving Company to be merged with
and into Parent in the Second Step Merger, with Parent surviving the Second Step Merger and continuing its existence under the
laws of the State of Tennessee, and the separate corporate existence of the Surviving Company ceasing as of the Second Effective
Time. In</P>


<!-- Field: Page; Sequence: 15; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">furtherance of the foregoing, Parent shall
cause to be filed with the Tennessee Secretary of State, in accordance with the TBCA, articles of merger (&ldquo;<U>Tennessee
Articles of Merger</U>&rdquo;) relating to the Second Step Merger and shall cause to be filed with the Delaware Secretary of State,
in accordance with the DGCL, a certificate of merger relating to the Second Step Merger (the &ldquo;<U>Second Certificate of Merger</U>&rdquo;).
The Second Step Merger shall become effective as of the date and time specified in the Tennessee Articles of Merger (such date
and time, the &ldquo;<U>Second Effective Time</U>&rdquo;). At and after the Second Effective Time, the Second Step Merger shall
have the effects set forth in the applicable provisions of the TBCA and the DGCL.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">1.14 <U>Bank Merger</U>. Immediately following
the Second Step Merger, or at such later time as Parent may determine in its sole discretion, Capital Bank Corporation, a North
Carolina state chartered bank and a wholly owned Subsidiary of Company (&ldquo;<U>Company Bank</U>&rdquo;) and First Tennessee
Bank National Association, a national bank and a Subsidiary of Parent (&ldquo;<U>Parent Bank</U>&rdquo;) shall be combined under
a single bank charter (the &ldquo;<U>Bank Merger</U>&rdquo;), the form and structure of which shall be determined by Parent in
its sole discretion. If requested by Parent, prior to the Effective Time, Company shall cause Company Bank, and Parent shall cause
Parent Bank, to execute an agreement and plan of merger with respect to the Bank Merger (the &ldquo;<U>Bank Merger Agreement</U>&rdquo;)
and such certificates or articles of merger and such other documents and certificates as are necessary to effectuate the Bank
Merger (&ldquo;<U>Bank Merger Certificates</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>Article
II</B></FONT><B><BR>
<BR>
Exchange of Shares</B></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="text-underline-style: none">2.1 </FONT><U>Proration.</U></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a) Notwithstanding
any other provision contained in this Agreement, the total number of shares of Company Common Stock to be entitled to receive the
Cash Consideration pursuant to Section 1.5(a) shall be equal to the quotient of (i) the Cash Component divided by (ii) the Per
Share Cash Consideration (such quotient, the &ldquo;<U>Cash Conversion Number</U></FONT>&rdquo;). All other shares of Company Common
Stock (excluding the shares of Company Common Stock to be cancelled as provided in Section 1.5(d) and Company Restricted Stock
Awards) shall be converted into the right to receive the Stock Consideration. For the avoidance of doubt, the aggregate amount
of the Cash Consideration shall equal $410,535,300 (the &ldquo;<U>Cash Component</U>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Promptly (and in any event no later
than five (5) business days) after the Effective Time, Parent shall cause the Exchange Agent to effect the allocation among holders
of Company Common Stock of rights to receive the Cash Consideration and the Stock Consideration as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(i) If
the aggregate number of shares of Company Common Stock with respect to which Cash Elections shall have been made (which, for this
purpose, shall be deemed to include the Dissenting Shares determined as of the Effective Time) (the &ldquo;<U>Cash Election Number</U></FONT>&rdquo;)
exceeds the Cash Conversion Number, then all Stock Election Shares and all Non-Election Shares shall be converted into the right
to receive the Stock Consideration, and Cash Election Shares of each holder thereof will be converted into the right to receive
the Cash Consideration in respect of that number of Cash Election Shares</P>

<!-- Field: Page; Sequence: 16; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->7<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 0pt">equal to the product obtained by
multiplying (A) the number of Cash Election Shares held by such holder by (B) a fraction, the numerator of which is the Cash Conversion
Number and the denominator of which is the Cash Election Number (with the Exchange Agent to determine, consistent with Section
2.1(a), whether fractions of Cash Election Shares shall be rounded up or down), with the remaining number of such holder&rsquo;s
Cash Election Shares being converted into the right to receive the Stock Consideration; and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(ii) If
the Cash Election Number is less than the Cash Conversion Number (the amount by which the Cash Conversion Number exceeds the Cash
Election Number being referred to herein as the &ldquo;<U>Shortfall Number</U></FONT>&rdquo;), then all Cash Election Shares shall
be converted into the right to receive the Cash Consideration and the Non-Election Shares and Stock Election Shares shall be treated
in the following manner:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 72pt">(A) If the Shortfall Number is
less than or equal to the number of Non-Election Shares, then all Stock Election Shares shall be converted into the right to receive
the Stock Consideration, and the Non-Election Shares of each holder thereof shall be converted into the right to receive the Cash
Consideration in respect of that number of Non-Election Shares equal to the product obtained by multiplying (x) the number of Non-Election
Shares held by such holder by (y) a fraction, the numerator of which is the Shortfall Number and the denominator of which is the
total number of Non-Election Shares (with the Exchange Agent to determine, consistent with Section 2.1(a), whether fractions of
Non-Election Shares shall be rounded up or down), with the remaining number of such holder&rsquo;s Non-Election Shares being converted
into the right to receive the Stock Consideration; or</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 72pt">(B) If the Shortfall Number exceeds
the number of Non-Election Shares, then all Non-Election Shares shall be converted into the right to receive the Cash Consideration,
and Stock Election Shares of each holder thereof shall be converted into the right to receive the Cash Consideration in respect
of that number of Stock Election Shares equal to the product obtained by multiplying (x) the number of Stock Election Shares held
by such holder by (y) a fraction, the numerator of which is the amount by which the Shortfall Number exceeds the total number of
Non-Election Shares, and the denominator of which is the total number of Stock Election Shares (with the Exchange Agent to determine,
consistent with Section 2.1(a), whether fractions of Stock Election Shares shall be rounded up or down), with the remaining number
of such holder&rsquo;s Stock Election Shares being converted into the right to receive the Stock Consideration.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="text-underline-style: none">2.2
</FONT><U>Election Procedures</U>. Each holder of record of shares of Company Common Stock to be converted into the right to receive
the Merger Consideration in accordance with, and subject to, Sections 1.6 and 2.1 (a &ldquo;<U>Holder</U>&rdquo;) shall have the right,
subject to the limitations set forth in this Article II, to submit an election in accordance with the following procedures:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a) Each
Holder may specify in a request made in accordance with the provisions of this Section 2.2 (herein called an &ldquo;Election</FONT>&rdquo;)
(i) the number of shares of Company</P>

<!-- Field: Page; Sequence: 17; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->8<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">Common Stock owned by such Holder with respect
to which such Holder desires to make a Stock Election and (ii) the number of shares of Company Common Stock owned by such Holder
with respect to which such Holder desires to make a Cash Election.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(b) Parent
shall prepare a form reasonably acceptable to the Company, including appropriate and customary transmittal materials in such form
as prepared by Parent and reasonably acceptable to the Company (the &ldquo;<U>Form of Election</U></FONT>&rdquo;), so as to permit
Holders to exercise their right to make an Election.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(c) Parent
(i) shall initially make available and mail the Form of Election not less than twenty (20) business days prior to the anticipated
Election Deadline to Holders of record as of the business day prior to such mailing date, and (ii) following such mailing date,
shall use all reasonable efforts to make available as promptly as possible a Form of Election to any stockholder who requests such
Form of Election prior to the Election Deadline. The time period between such mailing date and the Election Deadline is referred
to herein as the &ldquo;<U>Election Period</U></FONT>&rdquo;.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(d) Any
Election shall have been made properly only if the Exchange Agent shall have received, during the Election Period, a Form of Election
properly completed and signed (including duly executed transmittal materials included in the Form of Election) and accompanied
by any Old Certificates representing all certificated shares to which such Form of Election relates or by an appropriate customary
guarantee of delivery of such Old Certificates, as set forth in such Form of Election, from a member of any registered national
securities exchange or a commercial bank or trust company in the United States. As used herein, unless otherwise agreed in advance
by the parties, &ldquo;<U>Election Deadline</U></FONT>&rdquo; means 5:00 p.m. local time (in the city in which the principal office
of the Exchange Agent is located) on the date which the parties shall agree is as near as practicable to two (2) business days
preceding the Closing Date. The Company and Parent shall cooperate to issue a press release reasonably satisfactory to each of
them announcing the date of the Election Deadline not more than fifteen (15) business days before, and at least five (5) business
days prior to, the Election Deadline.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(e) Any Holder may, at any time during
the Election Period, change or revoke his or her Election by written notice to the Exchange Agent prior to the Election Deadline
accompanied by a properly completed and signed revised Form of Election. If any Election is not properly made with respect to any
shares of Company Common Stock (none of Parent, the Company nor the Exchange Agent being under any duty to notify any Holder of
any such defect), such Election shall be deemed to be not in effect, and the shares of Company Common Stock covered by such Election
shall, for purposes hereof, be deemed to be Non-Election Shares, unless a proper Election is thereafter timely made.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(f) Any Holder may, at any time during
the Election Period, revoke his or her Election by written notice received by the Exchange Agent prior to the Election Deadline
or by withdrawal prior to the Election Deadline of his or her Old Certificates, or of the guarantee of delivery of such Old Certificates,
previously deposited with the Exchange Agent. All Elections shall be automatically deemed revoked upon receipt by the Exchange
Agent of written notification from the parties that this Agreement has been terminated in accordance with the terms hereof.</P>

<!-- Field: Page; Sequence: 18; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->9<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(g) Subject to the terms of this Agreement
and the Form of Election, Parent, in the exercise of its reasonable, good faith discretion, shall have the right to make all determinations,
not inconsistent with the terms of this Agreement, governing (i) the validity of the Forms of Election and compliance by any Holder
with the Election procedures set forth herein, (ii) the method of issuance and delivery of New Certificates representing the whole
number of shares of Parent Common Stock into which shares of Company Common Stock are converted in the Merger and (iii) the method
of payment of cash for shares of Company Common Stock converted into the right to receive the Cash Consideration and cash in lieu
of fractional shares of Parent Common Stock.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="text-underline-style: none">2.3 </FONT><U>Parent
to Make Shares and Cash Available</U>. At or prior to the Effective Time, Parent shall deposit, or shall cause to be deposited, with a bank or trust company designated
by Parent and reasonably acceptable to Company (the &ldquo;<U>Exchange Agent</U>&rdquo;), for the benefit of the holders
of Old Certificates, for exchange in accordance with this Article II, (a) New Certificates to be issued pursuant to Section 1.5
and exchanged pursuant to Section 2.4(a) in exchange for outstanding shares of Company Common Stock, and (b) cash in an amount
sufficient to pay (i) the aggregate cash portion of the Merger Consideration and (ii) cash in lieu of any fractional shares (except
for the New Certificates, Per Share Cash Consideration, or cash in lieu of any fractional shares attributable to any Dissenting
Shares) (such cash and New Certificates described in the foregoing clauses (a) and (b), together with any dividends or distributions
with respect thereto, being hereinafter referred to as the &ldquo;<U>Exchange Fund</U>&rdquo;). The Exchange Agent shall invest any cash
included in the Exchange Fund as directed by Parent, <U>provided</U>, that no such investment or losses thereon shall affect the amount
of Merger Consideration payable to the holders of Old Certificates and any shortfall as a result of investment losses shall be
promptly replenished by Parent. Any interest and other income resulting from such investments shall be paid to Parent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="text-underline-style: none">2.4 </FONT><U>Exchange
of Shares</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a) </FONT>As
promptly as practicable after the Effective Time, but in no event later than ten (10) days thereafter, Parent shall cause the Exchange
Agent to mail or otherwise deliver to each holder of record of one or more Old Certificates representing shares of Company Common
Stock immediately prior to the Effective Time that have been converted at the Effective Time into the right to receive the applicable
Merger Consideration pursuant to Article I and that has not theretofore submitted its Old Certificates with a Form of Election,
a letter of transmittal (which shall specify that delivery shall be effected, and risk of loss and title to the Old Certificates
shall pass, only upon proper delivery of the Old Certificates to the Exchange Agent) and instructions for use in effecting the
surrender of the Old Certificates in exchange for the Merger Consideration which such holder shall have become entitled to receive
in accordance with, and subject to, Sections 1.6, 2.1 and 2.2, and any cash in lieu of fractional shares which the shares of Company
Common Stock represented by such Old Certificate or Old Certificates shall have been converted into the right to receive pursuant
to this Agreement as well as any dividends or distributions to be paid pursuant to Section 2.4(b) (or, in the case of book-entry
shares, such other transmittal instructions as applicable to effective delivery and surrender of Old Certificate in book entry
form). From and after the Effective Time and the completion of the allocation procedures set forth in Section 2.1, upon proper
surrender of an Old Certificate or Old Certificates for exchange and cancellation to the Exchange Agent, together with such properly</P>

<!-- Field: Page; Sequence: 19; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->10<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">completed
letter of transmittal or Form of Election, as applicable, duly executed (or upon proper delivery of an &ldquo;agent&rsquo;s message&rdquo;
with respect to book-entry shares), the holder of such Old Certificate or Old Certificates shall be entitled to receive in exchange
therefor, as applicable, (i) a New Certificate representing the Stock Consideration to which such holder of Company Common Stock
shall have become entitled to receive in accordance with, and subject to, Sections 1.6, 2.1 and 2.2</FONT> and (ii) a check representing
the amount of (A) Cash Consideration which such holder has the right to receive in respect of the surrendered Old Certificate or
Old Certificates in accordance with, and subject to, Sections 1.6, 2.1 and 2.2, (B) any cash in lieu of fractional shares which
such holder has the right to receive in respect of the surrendered Old Certificate or Old Certificates pursuant Section 2.4(e)
and (C) any dividends or distributions which the holder thereof has the right to receive pursuant to Section 2.4(b), and the Old
Certificate or Old Certificates so surrendered shall forthwith be cancelled. No interest will be paid or accrued on the Cash Consideration
or any cash in lieu of fractional shares payable to holders of Old Certificates. Until surrendered as contemplated by Sections
2.2 and 2.4, each Old Certificate shall be deemed at any time after the Effective Time to represent only the right to receive,
upon surrender, the applicable Merger Consideration and any cash in lieu of fractional shares or in respect of dividends or distributions
as contemplated by this Section 2.4.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0pt; text-indent: 72pt">(b) No dividends or other distributions
declared with respect to Parent Common Stock shall be paid to the holder of any unsurrendered Old Certificate until the holder
thereof shall surrender such Old Certificate in accordance with this Article II. After the surrender of an Old Certificate in accordance
with this Article II, the record holder thereof shall be entitled to receive any such dividends or other distributions, without
any interest thereon, which theretofore had become payable with respect to the Stock Consideration which the shares of Company
Common Stock represented by such Old Certificate have been converted into the right to receive (after giving effect to Section
6.11).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 13.5pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) If any New Certificate representing
shares of Parent Common Stock is to be issued in a name other than that in which the Old Certificate or Old Certificates surrendered
in exchange therefor is or are registered, it shall be a condition of the issuance thereof that the Old Certificate or Old Certificates
so surrendered shall be properly endorsed (or accompanied by an appropriate instrument of transfer) and otherwise in proper form
for transfer, and that the person requesting such exchange shall pay to the Exchange Agent in advance any transfer or other similar
Taxes required by reason of the issuance of a New Certificate representing shares of Parent Common Stock in any name other than
that of the registered holder of the Old Certificate or Old Certificates surrendered, or required for any other reason, or shall
establish to the satisfaction of the Exchange Agent that such Tax has been paid or is not payable.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) After the Effective Time, there shall
be no transfers on the stock transfer books of Company of the shares of Company Common Stock that were issued and outstanding immediately
prior to the Effective Time. If, after the Effective Time, Old Certificates representing such shares are presented for transfer
to the Exchange Agent, they shall be cancelled and exchanged for the applicable Merger Consideration, cash in lieu of fractional
shares and dividends or distributions that the holder presenting such Old Certificates is entitled to, as provided in this Article
II.</P>

<!-- Field: Page; Sequence: 20; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->11<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(e) No
New Certificates or scrip representing fractional shares of Parent Common Stock shall be issued upon the surrender for exchange
of Old Certificates, no dividend or distribution with respect to Parent Common Stock shall be payable on or with respect to any
fractional share, and such fractional share interests shall not entitle the owner thereof to vote or to any other rights of a shareholder
of Parent. In lieu of the issuance of any such fractional share, Parent shall pay to each former stockholder of Company who otherwise
would be entitled to receive such fractional share an amount in cash (rounded to the nearest cent) determined by multiplying (i)
the average of the closing sale prices of Parent Common Stock on the New York Stock Exchange (the &ldquo;<U>NYSE</U>&rdquo;) as
reported by <I>The Wall Street Journal</I> for the ten (10) full trading days ending on the day preceding the Closing Date (the
&ldquo;<U>Parent Share Closing Price</U></FONT>&rdquo;) by (ii) the fraction of a share (rounded to the nearest thousandth when
expressed in decimal form) of Parent Common Stock which such holder would otherwise be entitled to receive pursuant to Section
1.5 and subject to Section 2.1.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(f) Any portion of the Exchange Fund that
remains unclaimed by the stockholders of Company for one (1) year after the Effective Time shall be paid to the Surviving Corporation.
Any former stockholders of Company who have not theretofore exchanged their Old Certificates pursuant to this Article II shall
thereafter look only to the Surviving Corporation for payment of the Merger Consideration, cash in lieu of any fractional shares
and any unpaid dividends and distributions on the Parent Common Stock deliverable in respect of each former share of Company Common
Stock such stockholder holds as determined pursuant to this Agreement, in each case, without any interest thereon. Notwithstanding
the foregoing, none of Parent, Company, the Surviving Corporation, the Exchange Agent or any other person shall be liable to any
former holder of shares of Company Common Stock for any amount delivered in good faith to a public official pursuant to applicable
abandoned property, escheat or similar laws.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(g) Parent shall be entitled to deduct
and withhold, or cause the Exchange Agent to deduct and withhold, from the cash portion of the Merger Consideration, any cash in
lieu of fractional shares of Parent Common Stock, cash dividends or distributions payable pursuant to this Section 2.4 and any
other cash amounts otherwise payable pursuant to this Agreement to any holder of Company Common Stock or Company Equity Awards
such amounts as it is required to deduct and withhold with respect to the making of such payment under the Code or any provision
of state, local or foreign Tax law. To the extent that amounts are so withheld by Parent or the Exchange Agent, as the case may
be, and paid over to the appropriate governmental authority, the withheld amounts shall be treated for all purposes of this Agreement
as having been paid to the holder of Company Common Stock in respect of which the deduction and withholding was made by Parent
or the Exchange Agent, as the case may be.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(h) In the event any Old Certificate shall
have been lost, stolen or destroyed, upon the making of an affidavit of that fact by the person claiming such Old Certificate to
be lost, stolen or destroyed and, if required by Parent, the posting by such person of a bond in such amount as Parent may determine
is reasonably necessary as indemnity against any claim that may be made against it with respect to such Old Certificate, the Exchange
Agent will issue in exchange for such lost, stolen or destroyed Old Certificate the applicable Merger Consideration, any cash in
lieu of fractional shares and any dividends or distributions deliverable in respect thereof pursuant to this Agreement.</P>

<!-- Field: Page; Sequence: 21; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="margin: 0; font: small-caps bold 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>Article
III</B></FONT><BR>
<BR>
Representations and Warranties of Company</P>

<P STYLE="margin: 0; font: small-caps bold 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0pt"><B>&nbsp;</B></P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">Except (i) as disclosed in the disclosure schedule delivered by Company to Parent concurrently
herewith (the &ldquo;<U>Company Disclosure Schedule</U>&rdquo;); <U>provided</U>, that (a) no such item is required to be set
forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty
being deemed untrue or incorrect, (b) the mere inclusion of an item in the Company Disclosure Schedule as an exception to a representation
or warranty shall not be deemed an admission by Company that such item represents a material exception or fact, event or circumstance
or that such item is reasonably likely to result in a Material Adverse Effect and (c) any disclosures made with respect to a section
of this Article III shall be deemed to qualify (1) any other section of this Article III specifically referenced or cross-referenced
and (2) other sections of this Article III to the extent it is reasonably apparent on its face (notwithstanding the absence of
a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections or (ii) as disclosed
in Company&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2016 filed with the SEC on February 27, 2017,
Company&rsquo;s Quarterly Report on Form 10-Q for the fiscal quarter ended March 31, 2017 filed with the SEC on May 1, 2017 (the
&ldquo;<U>Company Form 10-Q</U>&rdquo;) and Company&rsquo;s Proxy Statement on Schedule 14A filed with the SEC on April 28, 2017
(but disregarding risk factor disclosures contained under the heading &ldquo;Risk Factors,&rdquo; or disclosures of risks set
forth in any &ldquo;forward-looking statements&rdquo; disclaimer or any other statements that are similarly non-specific or cautionary,
predictive or forward-looking in nature), Company hereby represents and warrants to Parent as follows:</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.1 <U>Corporate Organization</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Company is a corporation duly organized, validly existing and in good standing
under the laws of the State of Delaware and is a bank holding company duly registered under the Bank Holding Company Act of 1956
(&ldquo;<U>BHC Act</U>&rdquo;). Company has the corporate power and authority to own or lease all of its properties and assets
and to carry on its business as it is now being conducted in all material respects. Company is duly licensed or qualified to do
business in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties
and assets owned or leased by it makes such licensing or qualification necessary, except where the failure to be so licensed or
qualified would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect
to Company. As used in this Agreement, the term &ldquo;<U>Material Adverse Effect</U>&rdquo; means, with respect to Parent, Company
or the Surviving Company, as the case may be, a material adverse effect on (i) the business, properties, assets, liabilities,
results of operations or financial condition of such party and its Subsidiaries, taken as a whole (<U>provided</U>, <U>however</U>,
that, with respect to this clause (i), Material Adverse Effect shall not be deemed to include the impact of (A) changes, after
the date hereof, in U.S. generally accepted accounting principles (&ldquo;<U>GAAP</U>&rdquo;) or applicable regulatory accounting
requirements, (B) changes, after the date hereof, in laws, rules or regulations of general applicability to companies in the industries
in which such party and its Subsidiaries operate, or interpretations thereof by courts or Governmental Entities, (C) changes,
after the date hereof, in global, national or regional political conditions (including the outbreak of war or acts of terrorism)
or in economic or market (including equity, credit, and debt</P>


<!-- Field: Page; Sequence: 22; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->13<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">markets, as well as changes to interest rates) conditions affecting the financial services
industry generally and not specifically relating to such party or its Subsidiaries, (D) failure, in and of itself, to meet earnings
projections or internal financial forecasts, but not including the underlying causes thereof, (E) disclosure or consummation of
the transactions contemplated hereby (including any effect on a party&rsquo;s relationship with its customers or employees) or
actions expressly required by this Agreement in contemplation of the transactions contemplated hereby or (F) actions or omissions
taken pursuant to the written consent of Parent, in the case of Company, or Company, in the case of Parent; except, with respect
to sub-clauses (A), (B), or (C), to the extent that the effects of such change are disproportionately adverse to the business,
properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole,
as compared to other companies in the industry in which such party and its Subsidiaries operate) or (ii) the ability of such party
to timely consummate the transactions contemplated hereby. As used in this Agreement, the word &ldquo;<U>Subsidiary</U>,&rdquo;
when used with respect to any party, means any corporation, partnership, limited liability company, bank or other organization,
whether incorporated or unincorporated, which is consolidated with such party for financial reporting purposes. True and complete
copies of the Certificate of Incorporation of Company (the &ldquo;<U>Company COI</U>&rdquo;) and the Bylaws of Company (the &ldquo;<U>Company
Bylaws</U>&rdquo;), as in effect as of the date of this Agreement, have been made available by Company to Parent.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Except, in the case of clauses (ii) and (iii) only, as would not reasonably be
likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company, each Subsidiary of
Company (a &ldquo;<U>Company Subsidiary</U>&rdquo;) (i) is duly organized and validly existing under the laws of its jurisdiction
of organization, (ii) is duly qualified to do business and, where such concept is recognized under applicable law, in good standing
in all jurisdictions (whether federal, state, local or foreign) where its ownership or leasing of property or the conduct of its
business requires it to be so qualified and (iii) has all requisite corporate power and authority to own or lease its properties
and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary of Company
to pay dividends or distributions, except, in the case of a Subsidiary that is a regulated entity, for restrictions on dividends
or distributions generally applicable to all such regulated entities. The deposit accounts of each Subsidiary of Company that
is an insured depository institution are insured by the Federal Deposit Insurance Corporation (the &ldquo;<U>FDIC</U>&rdquo;)
through the Deposit Insurance Fund (as defined in Section 3(y) of the Federal Deposit Insurance Act of 1950) to the fullest extent
permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings
for the termination of such insurance are pending or, to the knowledge of Company, threatened. Section 3.1(b) of the Company Disclosure
Schedule sets forth a true and complete list of all Subsidiaries of Company as of the date hereof. A true and complete copy of
the articles or certificate of incorporation or certificate of trust and bylaws (or similar governing documents) of each Company
Subsidiary, as in effect as of the date of this Agreement, have previously been made available to Parent.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.2 <U>Capitalization</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) The authorized capital stock of Company consists of 200,000,000 shares of Company
Class A Common Stock, 200,000,000 shares of Company Class B Non-Voting Common Stock and 50,000,000 shares of preferred stock,
par value $0.01 (the &ldquo;<U>Company</U></P>


<!-- Field: Page; Sequence: 23; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->14<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif"><U>Preferred Stock</U>&rdquo;). As of April 30, 2017, no shares of capital stock or any
other securities of Company are issued, reserved for issuance or outstanding, other than (i) 35,213,068 shares of Company Class
A Common Stock issued and outstanding, which number includes 301,274 shares of Company Class A Common Stock granted in respect
of outstanding Company Restricted Stock Awards, (ii) 16,753,429 shares of Company Class B Non-Voting Common Stock issued and outstanding,
(iii) 13,039,763 shares of Company Common Stock held in treasury and (iv) 3,123,413 shares of Company Common Stock reserved for
issuance upon the exercise of outstanding Company Stock Options. There are no shares of Company Preferred Stock issued or outstanding.
All of the issued and outstanding shares of Company Common Stock have been duly authorized and validly issued and are fully paid,
nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. There are no issued
or outstanding bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which stockholders
of Company may vote. Except as set forth in Section 3.2(a) of the Company Disclosure Schedule, as of the date of this Agreement,
no trust preferred or subordinated debt securities of Company are issued or outstanding. Other than Company Stock Options issued
prior to the date of this Agreement, as of the date of this Agreement, there are no outstanding subscriptions, options, warrants,
puts, calls, rights, exchangeable or convertible securities or other commitments or agreements obligating Company to issue, transfer,
sell, purchase, redeem or otherwise acquire any such securities.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Schedule 3.2(b) of the Company Disclosure Schedule sets forth a correct and complete
listing of all outstanding Company Equity Awards as of March 31, 2017 setting forth the number of shares of Company Stock subject
to each Company Equity Award and the exercise price, if applicable, with respect to each Company Equity Award.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) There are no voting trusts, stockholder agreements, proxies or other agreements
(&ldquo;<U>Voting/Transfer Agreements</U>&rdquo;) in effect pursuant to which Company or any of the Company Subsidiaries has a
contractual obligation with respect to the voting or transfer of Company Common Stock or other equity interests of Company. Other
than the Company Equity Awards, no equity-based awards (including any cash awards where the amount of payment is determined in
whole or in part based on the price of any capital stock of Company or any of its Subsidiaries) are outstanding.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(d) Company owns, directly or indirectly, all of the issued and outstanding shares
of capital stock or other equity ownership interests of each of the Company Subsidiaries, free and clear of any liens, pledges,
charges, encumbrances and security interests whatsoever (&ldquo;<U>Liens</U>&rdquo;), and all of such shares or equity ownership
interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to Company Subsidiaries
that are insured depository institutions, as provided under any provision of applicable state law comparable to 12 U.S.C. &sect;
55) and free of preemptive rights, with no personal liability attaching to the ownership thereof. No Company Subsidiary has or
is bound by any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling
for the purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any securities
representing the right to purchase or otherwise receive any shares of capital stock or any other equity security of such Subsidiary.
Other than the Company Subsidiaries, neither the Company nor any Company Subsidiary owns, directly or indirectly, any equity or
ownership interest in any person.</P>


<!-- Field: Page; Sequence: 24; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.3 <U>Authority; No Violation</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Company has full corporate power and authority to execute and deliver this Agreement
and to consummate the transactions contemplated hereby. The execution and delivery of this Agreement and the consummation of the
Merger have been duly and validly approved by the Company Board. The Company Board has determined that the Merger, on the terms
and conditions set forth in this Agreement, is in the best interests of Company and has directed that the plan of Merger set forth
in this Agreement and the transactions contemplated hereby be submitted to Company&rsquo;s stockholders for adoption at a meeting
of such stockholders and has adopted a resolution to the foregoing effect. Except for the adoption of the plan of Merger set forth
in this Agreement by the affirmative vote of the holders of a majority of the outstanding shares of Company Class A Common Stock
(the &ldquo;<U>Requisite Company Vote</U>&rdquo;) and the adoption and approval of the Bank Merger Agreement by (i) the board
of directors of Company Bank and (ii) Company, as Company Bank&rsquo;s sole shareholder, no other corporate proceedings on the
part of Company are necessary to approve this Agreement or to consummate the transactions contemplated hereby. No approval by
the holders of Company Class B Common Stock is required in connection with the Merger or the other transactions contemplated by
this Agreement. This Agreement has been duly and validly executed and delivered by Company and (assuming due authorization, execution
and delivery by Parent) constitutes a valid and binding obligation of Company, enforceable against Company in accordance with
its terms (except in all cases as such enforceability may be limited by bankruptcy, insolvency, fraudulent transfer, moratorium,
reorganization or similar laws of general applicability relating to or affecting insured depository institutions or their parent
companies or the rights of creditors generally and subject to general principles of equity (the &ldquo;<U>Enforceability Exceptions</U>&rdquo;)).</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Subject to the receipt of the Requisite Company Vote, neither the execution and
delivery of this Agreement by Company nor the consummation by Company of the transactions contemplated hereby, nor compliance
by Company with any of the terms or provisions hereof, will (i) violate any provision of the Company COI or the Company Bylaws
(or similar organizational documents of any Company Subsidiary) or (ii) assuming that the consents, approvals and filings referred
to in Section 3.4 are duly obtained and/or made, (x) violate any law, statute, code, ordinance, rule, regulation, judgment, order,
writ, decree or injunction applicable to Company or any of its Subsidiaries or any of their respective properties or assets or
(y) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or
an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right
of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of
the respective properties or assets of Company or any of its Subsidiaries under, any of the terms, conditions or provisions of
any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Company
or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in
the case of clause (ii) above) for such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations
or creations which would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect
with respect to Company.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.4 <U>Consents and Approvals</U>. Except for
(i) the filing of applications, filings and notices, as applicable, with the NASDAQ stock market (the &ldquo;<U>NASDAQ</U>&rdquo;)
and the NYSE, </P>


<!-- Field: Page; Sequence: 25; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">(ii) the filing of applications, filings and
notices, as applicable, with the Board of Governors of the Federal Reserve System (the &ldquo;<U>Federal Reserve
Board</U>&rdquo;) under the BHC Act and approval of such applications, filings and notices, (iii) the filing of applications,
filings and notices, as applicable, in connection with the Bank Merger, including under the Bank Merger Act, and approval of
such applications, filings and notices, (iv) the filing of any required applications, filings or notices with any state
banking authority listed on Section 3.4 of the Company Disclosure Schedule or Section 4.4 of the Parent Disclosure Schedule
and approval of such applications, filings and notices, (v) the filing with the Securities and Exchange Commission (the
&ldquo;<U>SEC</U>&rdquo;) of a proxy statement in definitive form relating to the meetings of Company&rsquo;s and
Parent&rsquo;s shareholders to be held in connection with this Agreement and the transactions contemplated hereby (including
any amendments or supplements thereto, the &ldquo;<U>Joint Proxy Statement</U>&rdquo;), and of the registration statement on
Form S-4 in which the Joint Proxy Statement will be included as a prospectus, to be filed with the SEC by Parent in
connection with the transactions contemplated by this Agreement (the &ldquo;<U>S-4</U>&rdquo;) and declaration of
effectiveness of the S-4, (vi) the filing of the Certificate of Merger and the Second Certificate of Merger with the Delaware
Secretary of State pursuant to the DGCL, the filing of the Tennessee Articles of Merger with the Tennessee Secretary of State
pursuant to the TBCA and the filing of the Bank Merger Certificates, (vii) the filing of any notices or other filings under
the Hart-Scott-Rodino Antitrust Improvements Act of 1976 (the &ldquo;<U>HSR Act</U>&rdquo;), if necessary or advisable, and
(viii) such filings and approvals as are required to be made or obtained under the securities or &ldquo;Blue Sky&rdquo;
laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this Agreement and
the approval of the listing of such Parent Common Stock on the NYSE, no consents or approvals of or filings or registrations
with any court or administrative agency or commission or other governmental authority or instrumentality or SRO (each a
&ldquo;<U>Governmental Entity</U>&rdquo;) are necessary in connection with (A) the execution and delivery by Company of this
Agreement or (B) the consummation by Company of the Merger and the other transactions contemplated hereby (including the Bank
Merger). As used in this Agreement, &ldquo;SRO&rdquo; means (i) any &ldquo;self-regulatory organization&rdquo; as defined in
Section 3(a)(26) of the Securities Exchange Act of 1934 (the &ldquo;<U>Exchange Act</U>&rdquo;) and (ii) any other United
States or foreign securities exchange, futures exchange, commodities exchange or contract market. As of the date hereof,
Company is not aware of any reason why the necessary regulatory approvals and consents will not be received in order to
permit consummation of the Merger and Bank Merger on a timely basis.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.5 <U>Reports</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Company and each of its Subsidiaries have timely filed (or furnished, as applicable)
all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were
required to file (or furnish, as applicable) since January 1, 2014 with (i) any state regulatory authority, (ii) the SEC, (iii)
the Federal Reserve Board, (iv) the FDIC, (v) the Office of the Comptroller of the Currency, (vi) any foreign regulatory authority
and (vii) any SRO ((i) &ndash; (vii), collectively, &ldquo;<U>Regulatory Agencies</U>&rdquo;), including any report, registration
or statement required to be filed (or furnished, as applicable) pursuant to the laws, rules or regulations of the United States,
any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection
therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments would not
reasonably be likely to have, either individually or in the </P>


<!-- Field: Page; Sequence: 26; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->17<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">aggregate, a Material Adverse Effect with respect to Company. Except
for examinations of Company and its Subsidiaries conducted by a Regulatory Agency in the ordinary course of
business, no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of Company, investigation into
the business or operations of Company or any of its Subsidiaries since January 1, 2014, except where such proceedings or investigation
would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company.
There is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating
to any examinations or inspections of Company or any of its Subsidiaries, which would reasonably be likely to have, either individually
or in the aggregate, a Material Adverse Effect with respect to Company.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) An accurate and complete copy of each final registration statement, prospectus,
report, schedule and definitive proxy statement filed with or furnished to the SEC by Company or any of its Subsidiaries pursuant
to the Securities Act of 1933 (the &ldquo;<U>Securities Act</U>&rdquo;), or the Exchange Act, as the case may be, since January
1, 2014 (the &ldquo;<U>Company Reports</U>&rdquo;) is publicly available. No such Company Report, at the time filed, furnished
or communicated (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates
of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact
required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they
were made, not misleading, except that information filed or furnished as of a later date (but before the date of this Agreement)
shall be deemed to modify information as of an earlier date. As of their respective dates, all Company Reports filed or furnished
under the Securities Act and the Exchange Act complied as to form in all material respects with the published rules and regulations
of the SEC with respect thereto. As of the date of this Agreement, no executive officer of Company has failed in any respect to
make the certification required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002 (the &ldquo;<U>Sarbanes-Oxley
Act</U>&rdquo;). As of the date of this Agreement, there are no outstanding comments from or material unresolved issues raised
by the SEC with respect to any of the Company Reports.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.6 <U>Financial Statements</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) The financial statements of Company and its Subsidiaries included (or incorporated
by reference) in the Company Reports (including the related notes, where applicable) (i) have been prepared from, and are in accordance
with, the books and records of Company and its Subsidiaries, (ii) fairly present in all material respects the consolidated results
of operations, cash flows, changes in stockholders&rsquo; equity and consolidated financial position of Company and its Subsidiaries
for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements
to year-end audit adjustments normal in nature and amount), (iii) complied, as of their respective dates of filing with the SEC,
in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with
respect thereto, and (iv) have been prepared in accordance with GAAP consistently applied during the periods involved, except,
in each case, as indicated in such statements or in the notes thereto. The books and records of Company and its Subsidiaries have
been, since January 1, 2014, and are being, maintained in all material respects in accordance with GAAP and any other applicable
legal and accounting requirements. Crowe Horwath LLP has not resigned (or informed Company that it intends to resign) or been
dismissed </P>


<!-- Field: Page; Sequence: 27; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->18<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">as independent public accountants of Company
as a result of or in connection with any disagreements with Company on a matter of accounting principles or practices,
financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Except as would not reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Company, neither Company nor any of its Subsidiaries has any liability of
any nature whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due) required by GAAP to
be included in the consolidated balance sheet of Company, except for those liabilities that are reflected or reserved against
on the consolidated balance sheet of Company included in the Company Form 10-Q (including any notes thereto) and for liabilities
incurred in the ordinary course of business since March 31, 2017, or in connection with this Agreement and the transactions contemplated
hereby.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) The records, systems, controls, data and information of Company and its Subsidiaries
are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether
computerized or not) that are under the exclusive ownership and direct control of Company or its Subsidiaries or accountants (including
all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably
be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company. Company (i) has
implemented and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) to ensure that
material information relating to Company, including its Subsidiaries, is made known to the chief executive officer and the chief
financial officer of Company by others within those entities as appropriate to allow timely decisions regarding required disclosures
and to make the certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act, and (ii) has disclosed,
based on its most recent evaluation prior to the date hereof, to Company&rsquo;s outside auditors and the audit committee of Company&rsquo;s
Board of Directors (x) any significant deficiencies and material weaknesses in the design or operation of internal control over
financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect Company&rsquo;s
ability to record, process, summarize and report financial information, and (y) to the knowledge of Company, any fraud, whether
or not material, that involves management or other employees who have a significant role in Company&rsquo;s internal controls
over financial reporting. These disclosures were made in writing by management to Company&rsquo;s auditor and audit committee
and a copy has been previously made available to Parent. To the knowledge of Company, there is no reason to believe that Company&rsquo;s
outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations
required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act, without qualification,
when next due.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(d) Except as would not reasonably be expected, individually or in the aggregate, to
have a Material Adverse Effect on Company, all swaps, caps, floors, option agreements, futures and forward contracts and other
similar derivative transactions (each, a &ldquo;<U>Derivative Contract</U>&rdquo;), whether entered into for its own account,
or for the account of one or more of its Subsidiaries or their respective customers, were entered into (i) in accordance with
prudent business practices and all applicable laws, rules, regulations and regulatory policies and (ii) with counterparties believed
to be financially responsible at the time; and each Derivative Contract constitutes the valid and legally binding obligation of
it or one of its Subsidiaries, as the </P>


<!-- Field: Page; Sequence: 28; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->19<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">case may be, enforceable in accordance with
its terms (subject to the Enforceability Exception), and are in full force and effect. Except as would not reasonably be
expected, individually or in the aggregate, to have a Material Adverse Effect on Company, neither Company nor its
Subsidiaries, nor to its knowledge any other party thereto, is in breach of any of its obligations under any Derivative
Contract.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(e) Since January 1, 2014, (i) neither Company nor any of its Subsidiaries, nor, to
the knowledge of Company, any director, officer, auditor, accountant or representative of Company or any of its Subsidiaries,
has received or otherwise had or obtained knowledge of any complaint, allegation, assertion or claim, whether written or, to the
knowledge of Company, oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with
respect to loan loss reserves, write-downs, charge-offs and accruals) of Company or any of its Subsidiaries or their respective
internal accounting controls, including any complaint, allegation, assertion or written claim that Company or any of its Subsidiaries
has engaged in questionable accounting or auditing practices, and (ii) no attorney representing Company or any of its Subsidiaries,
whether or not employed by Company or any of its Subsidiaries, has reported evidence of a violation of securities laws, fiduciary
duties or similar violation by Company or any of its officers, directors or employees to the Company Board or any committee thereof
or, to the knowledge of Company, to any director or officer of Company.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(f) The allowance for loan losses as of March 31, 2017, was in the reasonable judgment
of management of Company or its applicable Subsidiaries, adequate under the standards established by applicable Governmental Entities.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.7 <U>Broker&rsquo;s Fees</U>. Neither Company nor any
Company Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred
any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Merger or related transactions
contemplated by this Agreement other than Sandler O&rsquo;Neill &amp; Partners, L.P. and UBS Securities LLC. Company has disclosed
to Parent as of the date hereof the aggregate fees provided for in connection with the engagement by the Company of Sandler O&rsquo;Neill
&amp; Partners, L.P. and UBS Securities LLC, related to the Merger and the other transactions contemplated hereunder.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.8 <U>Absence of Certain Changes or Events</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Since December 31, 2016, no event or events have occurred that have had or would
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Since December 31, 2016, except with respect to the transactions contemplated hereby
or as required or permitted by this Agreement, Company and its Subsidiaries have carried on their respective businesses in all
material respects in the ordinary course of business.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.9 <U>Legal Proceedings</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Neither Company nor any of its Subsidiaries is a party to any, and there are no
pending or, to the knowledge of Company, threatened, legal, administrative, arbitral or </P>


<!-- Field: Page; Sequence: 29; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->20<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">other proceedings, claims, actions
or governmental or regulatory investigations of any nature against Company or any of its Subsidiaries that would reasonably
be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company, or challenge
the validity or propriety of this Agreement.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) There is no injunction, order, judgment, decree, or regulatory restriction imposed
upon Company, any of its Subsidiaries or the assets of Company or any of its Subsidiaries (or that, upon consummation of the Mergers,
would apply to Parent or any of its affiliates) that would reasonably be expected to be material to either Company or any of its
&ldquo;<U>Significant Subsidiaries</U>&rdquo; (as such term is defined in Rule 1-02 of Regulation S-X promulgated under the Exchange
Act).</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.10 <U>Taxes and Tax Returns</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Each of Company and its Subsidiaries has duly and timely filed (taking into account
all applicable extensions) all material Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it,
and all such Tax Returns are true, correct, and complete in all material respects. Neither Company nor any of its Subsidiaries
is the beneficiary of any extension of time within which to file any material Tax Return. All material Taxes of Company and its
Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid. Each of Company and its Subsidiaries
has withheld and paid all material Taxes required to have been withheld and paid in connection with amounts paid or owing to any
employee, creditor, stockholder, independent contractor or other third party. Neither Company nor any of its Subsidiaries has
granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. The federal income
Tax Returns of Company and its Subsidiaries for all years up to and including December 31, 2012 have been examined by the Internal
Revenue Service (the &ldquo;<U>IRS</U>&rdquo;) or are Tax Returns with respect to which the applicable period for assessment under
applicable law, after giving effect to extensions or waivers, has expired. No deficiency with respect to a material amount of
Taxes has been proposed, asserted or assessed against Company or any of its Subsidiaries. There are no pending or threatened (in
writing) disputes, claims, audits, examinations or other proceedings regarding any material Taxes of Company and its Subsidiaries
or the assets of Company and its Subsidiaries. In the last six years, neither Company nor any of its Subsidiaries has been informed
in writing by any jurisdiction that the jurisdiction believes that Company or any of its Subsidiaries was required to file any
Tax Return that was not filed. Company has made available to Parent true, correct, and complete copies of any private letter ruling
requests, closing agreements or gain recognition agreements with respect to Taxes requested or executed in the last six years.
There are no Liens for material Taxes (except Taxes not yet due and payable) on any of the assets of Company or any of its Subsidiaries.
Neither Company nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement
or arrangement (other than such an agreement or arrangement exclusively between or among Company and its Subsidiaries). Neither
Company nor any of its Subsidiaries (A) has been a member of an affiliated group filing a consolidated federal income Tax Return
(other than a group the common parent of which was Company) or (B) has any liability for the Taxes of any person (other than Company
or any of its Subsidiaries) under Treasury Regulations Section 1.1502-6 (or any similar provision of state, local or foreign law),
as a transferee or successor, by contract or otherwise. Neither Company nor any of its Subsidiaries has been, within the past
two years or otherwise as part of a &ldquo;plan (or </P>


<!-- Field: Page; Sequence: 30; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->21<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">series of related transactions)&rdquo; within the meaning of Section 355(e)
of the Code of which the Mergers are also a part, a &ldquo;distributing corporation&rdquo; or a &ldquo;controlled
corporation&rdquo; (within the meaning of Section 355(a)(1)(A) of the Code) in a distribution of stock intended to qualify for
tax-free treatment under Section 355 of the Code. Neither Company nor any of its Subsidiaries has participated in a &ldquo;reportable
transaction&rdquo; within the meaning of Treasury Regulations Section 1.6011-4(b)(1). At no time during the past five years has
Company been a United States real property holding corporation within the meaning of Section 897(c)(2) of the Code.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) As used in this Agreement, the term &ldquo;<U>Tax</U>&rdquo; or &ldquo;<U>Taxes</U>&rdquo;
means all federal, state, local, and foreign income, excise, gross receipts, ad valorem, profits, gains, property, capital, sales,
transfer, use, license, payroll, employment, social security, severance, unemployment, withholding, duties, excise, windfall profits,
intangibles, franchise, backup withholding, value added, alternative or add-on minimum, estimated and other taxes, charges, fees,
levies or like assessments together with all penalties and additions to tax and interest thereon.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) As used in this Agreement, the term &ldquo;<U>Tax Return</U>&rdquo; means any return,
declaration, report, claim for refund, estimate, or information return or statement relating to Taxes, including any schedule
or attachment thereto, and including any amendment thereof, supplied or required to be supplied to a Governmental Entity.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.11 <U>Employees and Employee Benefit Plans</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Section 3.11(a) of the Company Disclosure Schedule lists all material Company Benefit
Plans. For purposes of this Agreement, &ldquo;<U>Company Benefit Plans</U>&rdquo; means all employee benefit plans (as defined
in Section 3(3) of the Employee Retirement Income Security Act of 1974 (&ldquo;<U>ERISA</U>&rdquo;)), whether or not subject to
ERISA, and all bonus, stock option, stock purchase, restricted stock, incentive, deferred compensation, retiree medical or life
insurance, supplemental retirement, severance or other benefit plans, programs or arrangements, and all retention, employment,
termination or severance plans, programs or arrangements or other contracts or agreements to or with respect to which Company
or any Subsidiary is a party or that are maintained, contributed to or sponsored by Company or any of its Subsidiaries for the
benefit of any current or former employee, officer or director of Company or any of its Subsidiaries, excluding, in each case,
any Multiemployer Plan.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Company has heretofore made available to Parent true and complete copies of each
of the material Company Benefit Plans and the following related documents, to the extent applicable: (i) the most recent summary
plan description, if any, required by ERISA with respect to any such Company Benefit Plan and all amendments or material supplements
to any such Company Benefit Plan, (ii) the annual report (Form 5500), if any, filed with the IRS for the last two plan years,
(iii) the most recently received IRS determination letter, if any, relating to any such Company Benefit Plan, and (iv) the most
recently prepared actuarial report for each such Company Benefit Plan (if applicable) for each of the last two years.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) Each Company Benefit Plan has been established, operated and administered in all
material respects in accordance with its terms and the requirements of all applicable laws, including ERISA and the Code, except
as would not result in any material </P>


<!-- Field: Page; Sequence: 31; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->22<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">liability. Neither Company nor any of its Subsidiaries has, within the prior three years,
taken any material corrective action or made a filing under any voluntary correction program of the
IRS, Department of Labor or any other Governmental Entity with respect to any Company Benefit Plan, and neither Company nor any
of its Subsidiaries has any knowledge of any material plan defect that would qualify for correction under any such program.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(d) Section 3.11(d) of the Company Disclosure Schedule identifies each Company Benefit
Plan that is intended to be qualified under Section 401(a) of the Code (the &ldquo;<U>Company Qualified Plans</U>&rdquo;). The
IRS has issued a favorable determination or opinion letter with respect to each Company Qualified Plan and the related trust,
which letter has not been revoked (nor has revocation been threatened), and, to the knowledge of Company, there are no existing
circumstances and no events have occurred that would reasonably be expected to have a material adverse effect on the qualified
status of any Company Qualified Plan or the related trust or materially increase the costs relating thereto.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(e) Each Company Benefit Plan that is a &ldquo;nonqualified deferred compensation plan&rdquo;
(as defined in Section 409A(d)(1) of the Code) and any award thereunder, in each case, that is subject to Section 409A of the
Code, has (i) since January 1, 2005, been maintained and operated, in all material respects, in good faith compliance with Section
409A of the Code and IRS Notice 2005-1 and (ii) since January 1, 2009, been, in all material respects, in documentary and operational
compliance with Section 409A of the Code.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(f) With respect to each Company Benefit Plan that is subject to Title IV or Section
302 of ERISA or Section 412, 430 or 4971 of the Code: (i) no such plan is in &ldquo;at-risk&rdquo; status for purposes of Section
430 of the Code, (ii) no reportable event within the meaning of Section 4043(c) of ERISA for which the 30-day notice requirement
has not been waived has occurred, (iii) all premiums required to be paid to the Pension Benefit Guaranty Corporation (the &ldquo;<U>PBGC</U>&rdquo;)
have been timely paid in full, (iv) no material liability (other than for premiums to the PBGC) under Title IV of ERISA has been
or is reasonably expected to be incurred by Company or any of its Subsidiaries, (v) the PBGC has not instituted proceedings to
terminate any such Company Benefit Plan, and (vi) there does not exist any accumulated funding deficiency within the meaning of
Section 412 of the Code or Section 302 of ERISA, whether or not waived.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(g) None of Company and its Subsidiaries nor any Company ERISA Affiliate has, at any
time during the last six years, contributed to or been obligated to contribute to any plan that is a &ldquo;multiemployer plan&rdquo;
within the meaning of Section 4001(a)(3) of ERISA (a &ldquo;<U>Multiemployer Plan</U>&rdquo;) or a plan that has two or more contributing
sponsors at least two of whom are not under common control, within the meaning of Section 4063 of ERISA (a &ldquo;<U>Multiple
Employer Plan</U>&rdquo;), and none of Company and its Subsidiaries nor any Company ERISA Affiliate has incurred any material
liability to a Multiemployer Plan or Multiple Employer Plan as a result of a complete or partial withdrawal (as those terms are
defined in Part I of Subtitle E of Title IV of ERISA) from a Multiemployer Plan or Multiple Employer Plan that, in each case,
has not been satisfied in full. For purposes of this Agreement, &ldquo;<U>Company ERISA Affiliate</U>&rdquo; means any trade or
business of Company or any of its Subsidiaries, whether or not incorporated, all of which together with Company would be deemed
a &ldquo;single employer&rdquo; within the meaning of Section 4001 of ERISA.</P>


<!-- Field: Page; Sequence: 32; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->23<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(h) Neither Company nor any of its Subsidiaries sponsors, has sponsored or has any
obligation with respect to any employee benefit plan that provides for any post-employment or post-retirement health or medical
or life insurance benefits for retired or former employees or beneficiaries or dependents thereof, except as required by Section
4980B of the Code.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(i) All material contributions required to be made to any Company Benefit Plan by applicable
law or by any plan document or other contractual undertaking, and all material premiums due or payable with respect to insurance
policies funding any Company Benefit Plan, for any period in the prior three years through the date hereof, have been timely made
or paid in full or, to the extent not required to be made or paid on or before the date hereof, have been fully reflected on the
books and records of Company.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(j) There are no pending or, to the knowledge of Company, threatened (in writing) claims
(other than claims for benefits in the ordinary course of business), lawsuits or arbitrations that have been asserted or instituted,
and, to the knowledge of Company, no set of circumstances exists that would reasonably be likely to give rise to a material claim
or lawsuit, against the Company Benefit Plans, any fiduciaries thereof with respect to their duties to the Company Benefit Plans
or the assets of any of the trusts under any of the Company Benefit Plans that would reasonably be likely to result in any material
liability of Company or any of its Subsidiaries to the PBGC, the IRS, the Department of Labor or any participant in a Company
Benefit Plan.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(k) None of Company and its Subsidiaries nor any Company ERISA Affiliate nor, to the
knowledge of Company, any other person, including any fiduciary, has engaged in any &ldquo;prohibited transaction&rdquo; (as defined
in Section 4975 of the Code or Section 406 of ERISA) that would reasonably be expected to subject any of the Company Benefit Plans
or their related trusts, Company, any of its Subsidiaries, any Company ERISA Affiliate or any person that Company or any of its
Subsidiaries has an obligation to indemnify to any material tax or material penalty imposed under Section 4975 of the Code or
Section 502 of ERISA.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(l) Neither the execution and delivery of this Agreement nor the consummation of the
transactions contemplated hereby will (either alone or in conjunction with any other event) result in, cause the vesting, exercisability,
funding, payment or delivery of, or increase the amount or value of, any payment, right or other benefit to any employee, officer,
director or individual independent contractor of Company or any of its Subsidiaries, or result in any limitation on the right
of Company or any of its Subsidiaries to amend, merge, terminate or receive a reversion of assets from any Company Benefit Plan
or related trust. Without limiting the generality of the foregoing, no amount paid or payable (whether in cash, in property, or
in the form of benefits) by Company or any of its Subsidiaries in connection with the transactions contemplated hereby (either
solely as a result thereof or as a result of such transactions in conjunction with any other event) will be an &ldquo;excess parachute
payment&rdquo; within the meaning of Section 280G of the Code. Neither Company nor any of its Subsidiaries maintains or contributes
to a rabbi trust or similar funding vehicle, and the transactions contemplated by this Agreement will not cause or require Company
or any of its affiliates to establish or make any contribution to a rabbi trust or similar funding vehicle.</P>


<!-- Field: Page; Sequence: 33; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->24<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(m) No Company Benefit Plan provides for the gross-up or reimbursement of Taxes under
Section 409A or 4999 of the Code, or otherwise.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(n) There are no agreements with, or pending petitions for recognition of, a labor
union or association as the exclusive bargaining agent for any of the employees of Company or any of its Subsidiaries and there
are no representation or certification proceedings or petitions seeking a representation proceeding presently pending or, to the
knowledge of Company, threatened to be brought or filed with the National Labor Relations Board or any other comparable state
or local labor relations tribunal or authority. Except as would not interfere in any material respect with the respective business
activities of the Company or any of its Subsidiaries, as of the date hereof, there are no organizing activities, labor strikes,
work stoppages, slowdowns, lockouts, material arbitrations or material grievances or other material labor disputes, other than
routine grievance matters, now pending or, to the knowledge of Company, threatened against or involving Company or any of its
Subsidiaries, and there have not been any such activities with respect to Company or any of its Subsidiaries at any time since
December 31, 2013.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(o) Neither Company nor any of its Subsidiaries is a party to, or otherwise bound by,
any consent decree with, or citation by, any Governmental Entity relating to employees or employment practices. Company and each
of its Subsidiaries are in compliance in all material respects with all applicable state, federal and local laws relating to labor,
employment, termination of employment or similar matters, including, but not limited to, laws relating to discrimination, disability,
labor relations, hours of work, payment of wages and overtime wages, pay equity, immigration, workers compensation, worker classification,
working conditions, employee scheduling, occupational safety and health, family and medical leave and employee terminations, and
neither Company nor any of its Subsidiaries has engaged in any unfair labor practices or similar prohibited practices. There are
no complaints, lawsuits, arbitrations, administrative proceedings or other proceedings of any nature pending or, to the knowledge
of Company, threatened against Company or any of its Subsidiaries brought by any current or former employee or their eligible
dependents or beneficiaries.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.12 <U>Compliance with Applicable Law</U>. Company and
each of its subsidiaries hold, and have at all times since December 31, 2013 held, all licenses, franchises, permits and authorizations
necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets
under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither
the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure
to pay any fees or assessments) would reasonably be likely to have, either individually or in the aggregate, a Material Adverse
Effect with respect to Company, and to the knowledge of Company no suspension or cancellation of any such necessary license, franchise,
permit or authorization is threatened. Company and each of its subsidiaries have complied in all material respects with and are
not in material default or violation under any law, statute, order, rule or regulation of any Governmental Entity applicable to
Company or any of its Subsidiaries. Without limiting the generality of the foregoing, except as would not reasonably be likely
to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company, none of Company or any of
its affiliates, or to the knowledge of Company, any director, officer, employee, agent or other person acting on behalf of Company
or any of its</P>


<!-- Field: Page; Sequence: 34; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->25<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">affiliates, has, directly or indirectly, (a)
used any funds of Company or any of its affiliates for unlawful contributions, unlawful gifts, unlawful entertainment or other
expenses relating to political activity, (b) made any unlawful payment to foreign or domestic governmental officials or employees
or to foreign or domestic political parties or campaigns from funds of the Company or any of its affiliates, (c) violated any
provision of the Foreign Corrupt Practices Act or any similar law or (d) made any unlawful bribe, unlawful rebate, unlawful payoff,
unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form,
whether in money, property or services, to obtain favorable treatment in securing business or to obtain special concessions for
the Company or any of its affiliates, or is currently subject to any United States sanctions administered by the Office of Foreign
Assets Control of the United States Treasury Department (&ldquo;<U>OFAC</U>&rdquo;). Company Bank has a Community Reinvestment
Act rating of &ldquo;satisfactory&rdquo; or better. Company and each of its affiliates and subsidiaries have complied in all material
respects with and are not in material default or violation under 12 U.S.C. &sect; 1851 and the regulations promulgated by the
Federal Reserve Board and the Office of the Comptroller of the Currency (together, &ldquo;<U>Federal Banking Agencies</U>&rdquo;)
in connection therewith (the &ldquo;<U>Volcker Rule</U>&rdquo;). Section 3.12 of the Company Disclosure Schedule sets forth (i)
all Company affiliates and subsidiaries (including Company) engaged in proprietary trading (as defined in the Volcker Rule) that
would be prohibited upon expiration of any temporary conformance period granted by the Federal Banking Agencies under the Volcker
Rule and (ii) all covered funds (as defined in the Volcker Rule) that Company or any of its affiliates or subsidiaries sponsors
or invests in that would be prohibited upon expiration of any temporary conformance period granted by the Federal Banking Agencies
under the Volcker Rule. Company and its applicable subsidiaries have established and maintain a system of internal controls designed
to ensure compliance by Company and its subsidiaries with the laws, regulations and regulatory guidance that is applicable to
it. For the purpose of this Section 3.12, &ldquo;<U>affiliate</U>&rdquo; and &ldquo;<U>subsidiary</U>&rdquo; shall have their
respective meanings under 12 U.S.C. &sect; 1813.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.13 <U>Certain Contracts</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Except as set forth in Section 3.13(a) of the Company Disclosure Schedule or as
filed with or incorporated into any Company Report filed prior to the date hereof, as of the date hereof, neither Company nor
any of its Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral),
other than any Company Benefit Plan, (i) that is a &ldquo;material contract&rdquo; (as such term is defined in Item 601(b)(10)
of Regulation S-K of the SEC), (ii) that contains a non-compete or client or customer non-solicit requirement or any other provision
that materially restricts the conduct of any line of business by Company or any of its Subsidiaries or upon consummation of the
Merger will restrict the ability of Parent or any of its Subsidiaries to engage in any line of business that is material to Company
and its Subsidiaries, taken as a whole, (iii) with or to a labor union or guild (including any collective bargaining agreement),
or (iv) that grants any right of first refusal, right of first offer or similar right with respect to any assets, rights or properties
of Company or its Subsidiaries, taken as a whole. Each contract, arrangement, commitment or understanding of the type described
in this Section 3.13(a), whether or not set forth in the Company Disclosure Schedule, is referred to herein as a &ldquo;<U>Company
Contract</U>,&rdquo; and neither Company nor any of its Subsidiaries knows of, or has received written, or to the knowledge of
Company, oral notice of, any violation of the above by any of the other parties thereto which would reasonably be likely to be,
either individually or in the aggregate, material to Company and its Subsidiaries, taken as a whole.</P>


<!-- Field: Page; Sequence: 35; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->26<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) In each case, except as would not reasonably be likely to have, either individually
or in the aggregate, a Material Adverse Effect with respect to Company: (i) each Company Contract is valid and binding on Company
or one of its Subsidiaries, as applicable, and in full force and effect, (ii) Company and each of its Subsidiaries has performed
all obligations required to be performed by it prior to the date hereof under each Company Contract, (iii) to the knowledge of
Company each third-party counterparty to each Company Contract has performed all obligations required to be performed by it to
date under such Company Contract, and (iv) no event or condition exists which constitutes or, after notice or lapse of time or
both, will constitute, a default on the part of Company or any of its Subsidiaries under any such Company Contract.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.14 <U>Agreements with Regulatory Agencies</U>.
Neither Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by,
or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment
letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty
by, or has been since January 1, 2014, a recipient of any supervisory letter from, or since January 1, 2014, has adopted any policies,
procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently
restricts in any material respect the conduct of its business, or the expansion of its business, or that in any material manner
relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business
(each, whether or not set forth in the Company Disclosure Schedule, a &ldquo;<U>Company Regulatory Agreement</U>&rdquo;), nor
has Company or any of its Subsidiaries been advised in writing or, to the knowledge of Company, orally, since January 1, 2014,
by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering, or requesting any
such Company Regulatory Agreement.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.15 <U>Environmental Matters</U>. Except as
would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company,
Company and its Subsidiaries are in compliance, and, since January 1, 2014 have complied, with any federal, state or local law,
regulation, order, decree, permit, authorization, common law or legal requirement relating to: (i) the protection or restoration
of the environment, health and safety as it relates to hazardous substance exposure or natural resource damages, (ii) the handling,
use, presence, disposal, release or threatened release of, or exposure to, any hazardous substance, or (iii) noise, odor, wetlands,
indoor air, pollution, contamination or any injury to persons or property from exposure to any hazardous substance (collectively,
&ldquo;<U>Environmental Laws</U>&rdquo;). There are no legal, administrative, arbitral or other judicial proceedings, claims or
actions, or, to the knowledge of Company, any private environmental investigations or remediation activities or governmental investigations
of any nature seeking to impose, or that could reasonably be likely to result in the imposition, on Company or any of its Subsidiaries
of any liability or obligation arising under any Environmental Law, pending or threatened against Company, which liability or
obligation would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect
to Company. To the knowledge of Company, there is no reasonable basis for any such proceeding, claim, action or governmental investigation
that would impose any liability or obligation that would reasonably be likely to have, either individually or in the aggregate,
a Material Adverse Effect with respect to Company. Company is not subject to any agreement, order, judgment, decree, letter agreement
or </P>


<!-- Field: Page; Sequence: 36; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->27<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">memorandum of agreement by or with any court,
governmental authority, regulatory agency or third party imposing any liability or obligation with respect to any Environmental
Law that would reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to
Company.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.16 <U>Investment Securities</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Except as would not reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Company, each of Company and its Subsidiaries has good title to all securities
owned by it (except those sold under repurchase agreements or held in any fiduciary or agency capacity), free and clear of any
Lien, except (i) as set forth in the financial statements included in the Company Reports and (ii) to the extent such securities
or commodities are pledged in the ordinary course of business to secure obligations of Company or its Subsidiaries. Such securities
are valued on the books of Company in accordance with GAAP in all material respects.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Company and its Subsidiaries employ, to the extent applicable, investment, securities,
risk management and other policies, practices and procedures that Company believes are prudent and reasonable in the context of
their respective businesses, and Company and its Subsidiaries have, since January 1, 2014, been in compliance with such policies,
practices and procedures in all material respects.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.17 <U>Real Property</U>. Except as would not
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company, Company
or a Company Subsidiary (a) has good and marketable title to all real property reflected in the latest audited balance sheet included
in the Company Reports as being owned by Company or a Company Subsidiary or acquired after the date thereof (except (x) properties
sold or otherwise disposed of since the date thereof in the ordinary course of business and (y) properties categorized as &ldquo;other
real estate owned&rdquo; in such balance sheet) (the &ldquo;<U>Company Owned Properties</U>&rdquo;), free and clear of all material
Liens, except (i) statutory Liens securing payments not yet due, (ii) Liens for real property Taxes not yet due and payable, (iii)
easements, rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets
subject thereto or affected thereby or otherwise materially impair business operations at such properties and (iv) such imperfections
or irregularities of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or
affected thereby or otherwise materially impair business operations at such properties (collectively, &ldquo;<U>Permitted Encumbrances</U>&rdquo;),
and (b) is the lessee of all leasehold estates reflected in the latest audited financial statements included in such Company Reports
or acquired after the date thereof (except for leases that have expired by their terms since the date thereof) (the &ldquo;<U>Company
Leased Properties</U>&rdquo; and, collectively with the Company Owned Properties, the &ldquo;<U>Company Real Property</U>&rdquo;),
free and clear of all material Liens of any nature whatsoever, except for Permitted Encumbrances, and is in possession of the
properties purported to be leased thereunder, and each such lease is valid without material default thereunder by the lessee or,
to the knowledge of Company, the lessor. There are no material pending or, to the knowledge of Company, threatened condemnation
proceedings against any Company Real Property.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif"></P>

<!-- Field: Page; Sequence: 37; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->28<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif"></P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.18 <U>Intellectual Property</U>. Except as
would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company,
to the knowledge of Company: (i) Company and each of its Subsidiaries owns, or is licensed to use (in each case, free and clear
of any material Liens other than any Permitted Encumbrances), all Intellectual Property necessary for the conduct of its business
as currently conducted; (ii) (A) the use of any Intellectual Property by Company and its Subsidiaries does not infringe, misappropriate
or otherwise violate the rights of any person, and (B) no person has asserted to Company in writing that Company or any of its
Subsidiaries has infringed, misappropriated or otherwise violated the Intellectual Property rights of such person; (iii) no person
is challenging, infringing on or otherwise violating any right of Company or any of its Subsidiaries with respect to any Intellectual
Property owned by Company or its Subsidiaries; and (iv) neither Company nor any Company Subsidiary has received any written notice
of any pending claim with respect to any Intellectual Property owned by Company or any Company Subsidiary. For purposes of this
Agreement, &ldquo;<U>Intellectual Property</U>&rdquo; means trademarks, service marks, trade names, Internet domain names, logos
and other indications of origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications
in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application;
patents, applications for patents (including divisions, continuations, continuations in part and renewal applications), and any
re-examinations, extensions or reissues thereof, in any jurisdiction; trade secrets, and copyrights and registrations or applications
for registration of copyrights in any jurisdiction, and any renewals or extensions thereof.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.19 <U>Related Party Transactions</U>. There are no transactions
or series of related transactions, agreements, arrangements or understandings, nor are there any currently proposed transactions
or series of related transactions, between Company or any of its Subsidiaries, on the one hand, and any current director or &ldquo;executive
officer&rdquo; (as defined in Rule 3b-7 under the Exchange Act) of Company or any of its Subsidiaries or any person who beneficially
owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or more of the outstanding Company Common Stock (or any of such
person&rsquo;s immediate family members or affiliates) (other than Subsidiaries of Company), on the other hand, of the type required
to be reported in any Company Report pursuant to Item 404 of Regulation S-K promulgated under the Exchange Act.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.20 <U>State Takeover Laws</U>. The Company
Board has approved this Agreement and the transactions contemplated hereby as required to render inapplicable to this Agreement
and the transactions contemplated hereby any applicable provisions of the takeover laws of any state, including any &ldquo;moratorium,&rdquo;
&ldquo;control share,&rdquo; &ldquo;fair price,&rdquo; &ldquo;takeover&rdquo; or &ldquo;interested stockholder&rdquo; law (any
such laws, &ldquo;<U>Takeover Statutes</U>&rdquo;).</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.21 <U>Reorganization</U>. Company has not taken any action
and is not aware of any fact or circumstance that could reasonably be expected to prevent the Mergers, taken together, from qualifying
as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.22 <U>Opinion</U>. Prior to the execution of this Agreement,
the Company Board has received an opinion (which, if initially rendered verbally, has been or will be confirmed by a written opinion,
dated the same date) from Sandler O&rsquo;Neill &amp; Partners, L.P., to the effect that, as of the date thereof, and based upon
and subject to the factors, assumptions and limitations set </P>


<!-- Field: Page; Sequence: 38; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->29<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0; font: 12pt Times New Roman, Times, Serif">forth therein, the Merger Consideration pursuant to this Agreement
is fair, from a financial point of view, to the holders of Company Common Stock. Such opinion has not been amended or rescinded
in any material respect as of the date of this Agreement.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.23 <U>Company Information</U>. The information relating
to Company and its Subsidiaries that is provided by Company or its representatives specifically for inclusion in (a) the Joint
Proxy Statement on the date it (or any amendment or supplement thereto) is first mailed to holders of Company Common Stock or
at the time of the Company Meeting, (b) the S-4, when it or any amendment thereto becomes effective under the Securities Act,
(c) the documents and financial statements of Company incorporated by reference in the Joint Proxy Statement, the S-4 or any amendment
or supplement thereto or (d) any other document filed with any other Regulatory Agency in connection herewith will not contain
any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of
the circumstances in which they are made, not misleading. The portions of the Joint Proxy Statement relating to Company and its
Subsidiaries and other portions within the reasonable control of Company and its Subsidiaries will comply in all material respects
with the provisions of the Exchange Act and the rules and regulations thereunder. Notwithstanding the foregoing, no representation
or warranty is made by Company with respect to statements made or incorporated by reference therein based on information provided
or supplied by or on behalf of Parent or its Subsidiaries for inclusion in the Joint Proxy Statement or the S-4.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.24 <U>Loan Portfolio</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) As of the date hereof, except as set forth in Section 3.24(a) of the Company Disclosure
Schedule, neither Company nor any of its Subsidiaries is a party to any written or oral (i) loan, loan agreement, note or borrowing
arrangement (including leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;)
in which Company or any Subsidiary of Company is a creditor which as of March 31, 2017 had an outstanding balance of $1,000,000
or more and under the terms of which the obligor was, as of March 31, 2017, over 90 days or more delinquent in payment of principal
or interest, or (ii) Loans with any director, executive officer or principal stockholder of Company or any of its Subsidiaries
(as such terms are defined in 12 C.F.R. Part 215). Except as such disclosure may be limited by any applicable law, rule or regulation,
Section 3.24(a) of the Company Disclosure Schedule sets forth a true, correct and complete list of all of the Loans of Company
and its Subsidiaries that, as of March 31, 2017, had an outstanding balance of $1,000,000 or more and were classified by Company
as &ldquo;Other Loans Specially Mentioned,&rdquo; &ldquo;Special Mention,&rdquo; &ldquo;Substandard,&rdquo; &ldquo;Doubtful,&rdquo;
&ldquo;Loss,&rdquo; &ldquo;Classified,&rdquo; &ldquo;Criticized,&rdquo; &ldquo;Credit Risk Assets,&rdquo; &ldquo;Watch List&rdquo;
or words of similar import, together with the principal amount of and accrued and unpaid interest on each such Loan and the aggregate
principal amount of and accrued and unpaid interest on such Loans as of such date.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Except as would not reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Company, each outstanding Loan of Company and its Subsidiaries (i) is evidenced
by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent
carried on the books and records of Company and its Subsidiaries as secured Loans, has been secured by valid Liens, which have
been perfected and (iii) is the legal, valid and binding obligation of the obligor </P>

<!-- Field: Page; Sequence: 39; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->30<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; font: 12pt Times New Roman, Times, Serif">named therein, enforceable in accordance with
its terms, subject to the Enforceability Exceptions.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) Except as would not reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Company, each outstanding Loan of Company and its Subsidiaries (including
Loans held for resale to investors) was solicited and originated, and is and has been administered and, where applicable, serviced,
and the relevant Loan files are being maintained, in all material respects, in accordance with the relevant notes or other credit
or security documents, the applicable written underwriting standards of Company and its Subsidiaries (and, in the case of Loans
held for resale to investors, the applicable underwriting standards, if any, of the applicable investors) and with all applicable
federal, state and local laws, regulations and rules.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(d) None of the agreements pursuant to which Company or any of its Subsidiaries has
sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or
interests therein solely on account of a payment default by the obligor on any such Loan (other than first payment defaults).</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(e) There are no outstanding Loans made by Company or any of its Subsidiaries to any
&ldquo;executive officer&rdquo; or other &ldquo;insider&rdquo; (as each such term is defined in Regulation O promulgated by the
Federal Reserve Board) of Company or its Subsidiaries, other than Loans that are subject to and that were made and continue to
be in compliance with Regulation O or that are exempt therefrom.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(f) Neither Company nor any of its Subsidiaries is now, nor has it ever been since
December 31, 2013, subject to any material fine, suspension, settlement or other administrative agreement or sanction by, or any
reduction in any loan purchase commitment, any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing
of mortgage or consumer Loans. None of the Company, any of its subsidiaries (as defined under BHC Act) or, to the knowledge of
the Company, any entity in which the Company or any of its subsidiaries (as defined under the BHC Act) has a 5% or greater voting
interest has in the last ten (10) years been convicted or pled guilty to any felony or misdemeanor.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.25 <U>Insurance</U>. Except as would not reasonably be
likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company, (a) Company and its
Subsidiaries are insured with reputable insurers against such risks and in such amounts as the management of Company reasonably
has determined to be prudent and consistent with industry practice, and neither Company nor any of its Subsidiaries has received
notice to the effect that any of them are in default under any material insurance policy, (b) each such policy is outstanding
and in full force and effect and, except for policies insuring against potential liabilities of officers, directors and employees
of Company and its Subsidiaries, Company or the relevant Subsidiary thereof is the sole beneficiary of such policies, and (c)
all premiums and other payments due under any such policy have been paid, and all claims thereunder have been filed in due and
timely fashion.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.26 <U>Information Security</U>. Except as would not reasonably
be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company, </P>


<!-- Field: Page; Sequence: 40; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->31<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">(i) Company and its Subsidiaries are, and
have been at all times since January 1, 2014, in compliance with all applicable laws which govern the receipt, collection,
compilation, use, storage, processing, sharing, safeguarding, security, disposal, destruction, disclosure or transfer of the
personal information of customers or other individuals and similar laws governing data privacy, and with all of
Company&rsquo;s and its Subsidiaries&rsquo; policies regarding privacy and data security and (ii) to the knowledge of
Company, since January 1, 2014, no third party has gained unauthorized access to any information technology networks
controlled by Company or any of its Subsidiaries. Company and its Subsidiaries have implemented and maintained commercially
reasonable measures and procedures designed to reasonably mitigate the risks of cybersecurity breaches and attacks.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.27 <U>No Investment Adviser Subsidiary</U>. Neither Company
nor any Company Subsidiary serves in a capacity described in Section 9(a) or 9(b) of the Investment Company Act of 1940, nor acts
as an &ldquo;investment adviser&rdquo; required to register as such under the Investment Advisers Act of 1940.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">3.28 <U>No Other Representations or Warranties</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Except for the representations and warranties made by Company in this Article III,
neither Company nor any other person makes any express or implied representation or warranty with respect to Company, its Subsidiaries,
or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, and Company
hereby disclaims any such other representations or warranties.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Company acknowledges and agrees that neither Parent nor any other person has made
or is making any express or implied representation or warranty other than those contained in Article IV.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; font: small-caps bold 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>Article
IV</B></FONT><BR>
<BR>
Representations and Warranties of Parent and Merger Sub</P>

<P STYLE="margin: 0; font: small-caps bold 12pt Times New Roman, Times, Serif; text-align: center; text-indent: 0pt"><B>&nbsp;</B></P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">Except (i) as disclosed in the disclosure schedule delivered by Parent and Merger Sub
to Company concurrently herewith (the &ldquo;<U>Parent Disclosure Schedule</U>&rdquo;); <U>provided</U>, that (a) no such item
is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation
or warranty being deemed untrue or incorrect, (b) the mere inclusion of an item in the Parent Disclosure Schedule as an exception
to a representation or warranty shall not be deemed an admission by Parent that such item represents a material exception or fact,
event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect, and (c) any disclosures made
with respect to a section of this Article IV shall be deemed to qualify (1) any other section of this Article IV specifically
referenced or cross-referenced and (2) other sections of this Article IV to the extent it is reasonably apparent on its face (notwithstanding
the absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections
or (ii) as disclosed in Parent&rsquo;s Annual Report on Form 10-K for the fiscal year ended December 31, 2016 filed with the SEC
on February 27, 2017 (the &ldquo;<U>Parent Form 10-K</U>&rdquo;) and Parent&rsquo;s Proxy Statement on Schedule 14A filed with
the SEC on March 23, 2017 (but disregarding risk factor disclosures </P>


<!-- Field: Page; Sequence: 41; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->32<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">contained under the heading &ldquo;Risk Factors,&rdquo; or
disclosures of risks set forth in any &ldquo;forward-looking statements&rdquo; disclaimer or any other statements that are similarly
non-specific or cautionary, predictive or forward-looking in nature), Parent and Merger Sub hereby represent
and warrant to Company as follows:</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.1 <U>Corporate Organization</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Parent is a corporation duly organized, validly existing and in good standing under
the laws of the State of Tennessee and is a bank holding company duly registered under the BHC Act that has elected to be treated
as a financial holding company under the BHC Act. Merger Sub is a corporation duly formed, validly existing and in good standing
under the laws of the State of Delaware. Each of Parent and Merger Sub has the corporate power and authority to own or lease all
of its properties and assets and to carry on its business as it is now being conducted in all material respects. Each of Parent
and Merger Sub is duly licensed or qualified to do business in each jurisdiction in which the nature of the business conducted
by it or the character or location of the properties and assets owned or leased by it makes such licensing or qualification necessary,
except where the failure to be so licensed or qualified would not reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Parent. True and complete copies of the Restated Charter of Parent, as amended
(&ldquo;<U>Parent Charter</U>&rdquo;), and Bylaws of Parent (&ldquo;<U>Parent Bylaws</U>&rdquo;), as in effect as of the date
of this Agreement, have been made available by Parent to Company.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Except, in the case of clauses (ii) and (iii) of this Section 4.1(b) only, as would
not reasonably be likely to have, individually or in the aggregate, a Material Adverse Effect with respect to Parent, each Significant
Subsidiary of Parent (a &ldquo;<U>Parent Subsidiary</U>&rdquo;) (i) is duly organized and validly existing under the laws of its
jurisdiction of organization, (ii) is duly qualified to do business and, where such concept is recognized under applicable law,
in good standing in all jurisdictions (whether federal, state, local or foreign) where its ownership or leasing of property or
the conduct of its business requires it to be so qualified and (iii) has all requisite corporate power and authority to own or
lease its properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any
Parent Subsidiary to pay dividends or distributions, except, in the case of a Parent Subsidiary that is a regulated entity, for
restrictions on dividends or distributions generally applicable to all such regulated entities. The deposit accounts of each Parent
Subsidiary that is an insured depository institution are insured by the FDIC through the Deposit Insurance Fund to the fullest
extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and
no proceedings for the termination of such insurance are pending or, to the knowledge of Parent, threatened.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.2 <U>Capitalization</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) The authorized capital stock of Parent consists
of 400,000,000 shares of Parent Common Stock and 5,000,000 shares of preferred stock, without par value (&ldquo;<U>Parent Preferred
Stock</U>&rdquo;). As of March 31, 2017, no shares of capital stock or other voting securities of Parent are issued, reserved
for issuance or outstanding, other than (i) 233,883,250 shares of Parent Common Stock issued and outstanding, including 1,045,362
shares of Parent Common Stock granted in respect of outstanding awards of restricted Parent Common Stock under a</P>


<!-- Field: Page; Sequence: 42; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->33<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">Parent Stock Plan (as defined below) (a &ldquo;<U>Parent
Restricted Stock Award</U>&rdquo;), (ii) no shares of Parent Common Stock held in treasury, (iii) 6,167,646 shares of Parent Common
Stock reserved for issuance upon the exercise of outstanding stock options to purchase shares of Parent
Common Stock granted under a Parent Stock Plan (&ldquo;<U>Parent Stock Options</U>&rdquo;), (iv) 1,735,746 shares of Parent Common
Stock reserved for issuance upon the settlement of outstanding restricted stock units in respect of shares of Parent Common Stock
granted under a Parent Stock Plan (&ldquo;<U>Parent Restricted Stock Unit Award</U>&rdquo;), (v) 377,200 shares of Parent Common
Stock reserved for issuance upon the settlement of outstanding deferral stock units in respect of shares of Parent Common Stock
granted under a Parent Stock Plan (&ldquo;<U>Parent Deferral Stock Unit Award</U>&rdquo;), (vi) 1,712,891 shares of Parent Common
Stock reserved for issuance upon the settlement of outstanding performance stock units in respect of shares of Parent Common Stock
granted under a Parent Stock Plan (&ldquo;<U>Parent Performance Stock Unit Award</U>&rdquo;), (vii) 10,571,508 shares of Parent
Common Stock reserved for issuance pursuant to future grants under the Parent Stock Plans, and (viii) 1,000 shares of Parent Preferred
Stock issued and outstanding. As used herein, the &ldquo;<U>Parent Stock Plans</U>&rdquo; shall mean all employee and director
equity incentive plans of Parent in effect as of the date of this Agreement and agreements for equity awards in respect of Parent
Common Stock granted by Parent under the inducement grant exception. All of the issued and outstanding shares of Parent Common
Stock and Merger Sub Common Stock have been duly authorized and validly issued and are fully paid, nonassessable and free of preemptive
rights, and, with respect to the shares of Parent Common Stock, with no personal liability for the acts or debts of the Parent,
except that the holder thereof may become personally liable by reason of the shareholder&rsquo;s own acts or conduct. There are
no issued or outstanding bonds, debentures, notes or other indebtedness that have the right to vote on any matters on which shareholders
of Parent or of Merger Sub may vote. Except as set forth in Section 4.2(a) of the Parent Disclosure Schedule, as of the date of
this Agreement, no trust preferred or subordinated debt securities of Parent or Merger Sub are issued or outstanding. Other than
Parent Stock Options and Parent Restricted Stock Unit Awards, in each case, issued prior to the date of this Agreement, as of
the date of this Agreement, there are no outstanding subscriptions, options, warrants, puts, calls, rights, exchangeable or convertible
securities or other commitments or agreements obligating Parent or Merger Sub to issue, transfer, sell, purchase, redeem or otherwise
acquire any such securities.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) There are no Voting/Transfer Agreements in effect pursuant to which Parent or any
of its Subsidiaries has a contractual or other obligation to the voting or transfer of the Parent Common Stock or other equity
interests of Parent.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) All of the issued and outstanding capital stock of Merger Sub is, and at the Effective
Time will be, owned by Parent. Merger Sub has not conducted any business other than (i) incident to its formation for the sole
purpose of carrying out the transactions contemplated by this Agreement and (ii) in relation to this Agreement, the Merger and
the other transactions contemplated hereby.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(d) Parent owns, directly or indirectly, all of the issued and outstanding shares of
capital stock or other equity ownership interests of each Parent Subsidiary, free and clear of any Liens, and all of such shares
or equity ownership interests are duly authorized and validly issued and are fully paid, nonassessable (except, with respect to
Parent Subsidiaries that are insured depository institutions, as provided under any provision of applicable state law </P>


<!-- Field: Page; Sequence: 43; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->34<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">comparable to 12 U.S.C. &sect; 55) and free
of preemptive rights, with no personal liability attaching to the ownership thereof. No Parent Subsidiary has or is bound by
any outstanding subscriptions, options, warrants, calls, rights, commitments or agreements of any character calling for the
purchase or issuance of any shares of capital stock or any other equity security of such Subsidiary or any
securities representing the right to purchase or otherwise receive any shares of capital stock or any other equity security
of such Subsidiary.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.3 <U>Authority; No Violation</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Each of Parent and Merger Sub has full corporate power and authority to execute
and deliver this Agreement and to consummate the transactions contemplated hereby. The execution and delivery of this Agreement
and the consummation of the Mergers have been duly and validly approved by the Parent Board and the board of directors of Merger
Sub. The Parent Board has determined that the Mergers, on the terms and conditions set forth in this Agreement, are in the best
interests of Parent and its shareholders, and has directed that the issuance of Parent Common Stock in connection with the Merger
be submitted to its shareholders for approval at a duly held meeting of such shareholders and has adopted resolutions to the foregoing
effect. The board of directors of Merger Sub has determined that the Mergers, on the terms and conditions set forth in this Agreement,
are in the best interests of Merger Sub and its sole shareholder and has adopted a resolution to the foregoing effect. Parent,
as Merger Sub&rsquo;s sole shareholder, has approved this Agreement and the transactions contemplated hereby at a duly held meeting
or by unanimous written consent. Except for (i) the approval of the issuance of Parent Common Stock pursuant to this Agreement
by a majority of the votes cast by holders of outstanding Parent Common Stock at the Parent Meeting (the &ldquo;<U>Requisite Parent
Vote</U>&rdquo;), (ii) the adoption and approval of the Bank Merger Agreement by the board of directors of Parent Bank and Parent,
as Parent Bank&rsquo;s sole shareholder and (iii) the adoption of resolutions to give effect to the provisions of Section 6.12
in connection with the Closing, no other corporate proceedings on the part of Parent or Merger Sub are necessary to approve this
Agreement or to consummate the transactions contemplated hereby. This Agreement has been duly and validly executed and delivered
by each of Parent and Merger Sub and (assuming due authorization, execution and delivery by Company) constitutes a valid and binding
obligation of each of Parent and Merger Sub, enforceable against each of Parent and Merger Sub in accordance with its terms (except
in all cases as such enforceability may be limited by the Enforceability Exceptions). Subject to the receipt of the Requisite
Parent Vote, the shares of Parent Common Stock to be issued in the Merger have been validly authorized and, when issued, will
be validly issued, fully paid and nonassessable, and no current or past shareholder of Parent will have any preemptive right or
similar rights in respect thereof.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Subject to the receipt of the Requisite Parent Vote, neither the execution and
delivery of this Agreement by Parent or Merger Sub, nor the consummation by Parent or Merger Sub of the transactions contemplated
hereby, nor compliance by Parent or Merger Sub with any of the terms or provisions hereof, will (i) violate any provision of the
Parent Charter, the Parent Bylaws, the Merger Sub Articles, or the Merger Sub Bylaws, or (ii) assuming that the consents, approvals
and filings referred to in Section 4.4 are duly obtained and/or made, (x) violate any law, statute, code, ordinance, rule, regulation,
judgment, order, writ, decree or injunction applicable to Parent, any of its Subsidiaries or any of their respective properties
or assets or (y) violate, conflict with, result in a breach of any provision of or the loss of any benefit </P>


<!-- Field: Page; Sequence: 44; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->35<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">under, constitute a default (or an event
which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of
termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of
the respective properties or assets of Parent or any of its Subsidiaries under, any of the terms, conditions or provisions of
any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which
Parent or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound,
except (in the case of clause (ii) above) for such violations, conflicts, breaches, defaults, terminations, cancellations,
accelerations or creations which would not reasonably be likely to have, either individually or in the aggregate, a Material
Adverse Effect with respect to Parent.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.4 <U>Consents and Approvals</U>. Except for (i) the filing
of applications, filings and notices, as applicable, with the NYSE and the NASDAQ, (ii) the filing of applications, filings and
notices, as applicable, with the Federal Reserve Board under the BHC Act and approval of such applications, filings and notices,
(iii) the filing of applications, filings and notices, as applicable, in connection with the Bank Merger, including under the
Bank Merger Act, and approval of such applications, filings and notices, (iv) the filing of any required applications, filings
or notices with any state banking authority listed on Section 3.4 of the Company Disclosure Schedule or Section 4.4 of the Parent
Disclosure Schedule and approval of such applications, filings and notices, (v) the filing with the SEC of the Joint Proxy Statement
and the S-4 in which the Joint Proxy Statement will be included as a prospectus, and declaration of effectiveness of the S-4,
(vi) the filing of the Certificate of Merger and the Second Certificate of Merger with the Delaware Secretary of State pursuant
to the DGCL, the filing of the Tennessee Articles of Merger with the Tennessee Secretary of State pursuant to the TBCA, and the
filing of the Bank Merger Certificates, (vii) the filing of any notices or other filings under the HSR Act, if necessary or advisable,
and (viii) such filings and approvals as are required to be made or obtained under the securities or &ldquo;Blue Sky&rdquo; laws
of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this Agreement and the approval
of the listing of such Parent Common Stock on the NYSE, no consents or approvals of or filings or registrations with any Governmental
Entity are necessary in connection with (A) the execution and delivery by Parent of this Agreement or (B) the consummation by
Parent of the Merger and the other transactions contemplated hereby (including the Bank Merger). No consents or approvals of or
filings or registrations with any Governmental Entity are necessary in connection with the execution and delivery by Merger Sub
of this Agreement. As of the date hereof, Parent is not aware of any reason why the necessary regulatory approvals and consents
will not be received in order to permit consummation of the Merger and Bank Merger on a timely basis.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.5 <U>Reports</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Parent and each of its Subsidiaries have timely filed or furnished, as applicable,
all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were
required to file (or furnish, as applicable) since January 1, 2014 with any Regulatory Agencies, including any report, registration
or statement required to be filed (or furnished, as applicable) pursuant to the laws, rules or regulations of the United States,
any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection
therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments would not
reasonably be likely to </P>


<!-- Field: Page; Sequence: 45; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->36<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">have, either individually or in the
aggregate, a Material Adverse Effect with respect to Parent. Except for examinations of Parent and its Subsidiaries conducted
by a Regulatory Agency in the ordinary course of business, no Regulatory Agency has initiated or has pending any
proceeding or, to the knowledge of Parent, investigation into the business or operations of Parent or any of its Subsidiaries
since January 1, 2014 except where such proceedings or investigation would not reasonably be likely to have, either
individually or in the aggregate, a Material Adverse Effect with respect to Parent. There is no unresolved violation,
criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or
inspections of Parent or any of its Subsidiaries, which would reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Parent.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) An accurate and complete copy of each final registration statement, prospectus,
report, schedule and definitive proxy statement filed with or furnished to the SEC by Parent or any of its Subsidiaries pursuant
to the Securities Act or the Exchange Act, as the case may be, since January 1, 2014 (the &ldquo;<U>Parent Reports</U>&rdquo;)
is publicly available. No such Parent Report, at the time filed, furnished or communicated (and, in the case of registration statements
and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue
statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make
the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or
furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date.
As of their respective dates, all Parent Reports filed or furnished under the Securities Act and the Exchange Act complied as
to form in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of this
Agreement, no executive officer of Parent has failed in any respect to make the certifications required of him or her under Section
302 or 906 of the Sarbanes-Oxley Act. As of the date of this Agreement, there are no outstanding comments from or material unresolved
issues raised by the SEC with respect to any of the Parent Reports.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.6 <U>Financial Statements</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) The financial statements of Parent and its Subsidiaries included (or incorporated
by reference) in the Parent Reports (including the related notes, where applicable) (i) have been prepared from, and are in accordance
with, the books and records of Parent and its Subsidiaries, (ii) fairly present in all material respects the consolidated results
of operations, cash flows, changes in shareholders&rsquo; equity and consolidated financial position of Parent and its Subsidiaries
for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements
to year-end audit adjustments normal in nature and amount), (iii) complied, as of their respective dates of filing with the SEC,
in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with
respect thereto, and (iv) have been prepared in accordance with GAAP consistently applied during the periods involved, except,
in each case, as indicated in such statements or in the notes thereto. The books and records of Parent and its Subsidiaries have
been, since January 1, 2014, and are being, maintained in all material respects in accordance with GAAP and any other applicable
legal and accounting requirements. KPMG LLP has not resigned (or informed Parent that it intends to resign) or been dismissed
as independent public accountants of </P>

<!-- Field: Page; Sequence: 46; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->37<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; font: 12pt Times New Roman, Times, Serif">Parent as a result of or in connection with any disagreements with Parent on a matter of
accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

<P STYLE="margin: 0; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Except as would not reasonably be likely to have, either individually or in the
aggregate, a Material Adverse Effect with respect to Parent, neither Parent nor any of its Subsidiaries has any liability of any
nature whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due) required by GAAP to be
included in the consolidated balance sheet of Company, except for those liabilities that are reflected or reserved against on
the consolidated balance sheet of Parent included in the Parent Form 10-K (including any notes thereto) and for liabilities incurred
in the ordinary course of business since December 31, 2016, or in connection with this Agreement and the transactions contemplated
hereby.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(c) The records, systems, controls, data and information of Parent and its Subsidiaries
are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether
computerized or not) that are under the exclusive ownership and direct control of Parent or its Subsidiaries or accountants (including
all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably
be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent. Parent (i) has implemented
and maintains disclosure controls and procedures (as defined in Rule 13a-15(e) of the Exchange Act) to ensure that material information
relating to Parent, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer of
Parent by others within those entities as appropriate to allow timely decisions regarding required disclosures and to make the
certifications required by the Exchange Act and Sections 302 and 906 of the Sarbanes-Oxley Act, and (ii) has disclosed, based
on its most recent evaluation prior to the date hereof, to Parent&rsquo;s outside auditors and the audit committee of Parent&rsquo;s
Board of Directors (x) any significant deficiencies and material weaknesses in the design or operation of internal control over
financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect Parent&rsquo;s
ability to record, process, summarize and report financial information, and (y) to the knowledge of Parent, any fraud, whether
or not material, that involves management or other employees who have a significant role in Parent&rsquo;s internal controls over
financial reporting. These disclosures were made in writing by management to Parent&rsquo;s auditors and audit committee and a
copy has been previously made available to Company. To the knowledge of Parent, there is no reason to believe that Parent&rsquo;s
outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations
required pursuant to the rules and regulations adopted pursuant to Section 404 of the Sarbanes-Oxley Act, without qualification,
when next due.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(d) Since January 1, 2014, (i) neither Parent nor any of its Subsidiaries, nor, to
the knowledge of Parent, any director, officer, auditor, accountant or representative of Parent or any of its Subsidiaries, has
received or otherwise had or obtained knowledge of any complaint, allegation, assertion or claim, whether written or, to the knowledge
of Parent, oral, regarding the accounting or auditing practices, procedures, methodologies or methods (including with respect
to loan loss reserves, write-downs, charge-offs and accruals) of Parent or any of its Subsidiaries or their respective internal
accounting controls, including any complaint, allegation, assertion or written claim that Parent or any of its Subsidiaries has
engaged in questionable accounting or auditing practices, and (ii) no attorney representing Parent or any of its Subsidiaries,
whether or </P>

<!-- Field: Page; Sequence: 47; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->38<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; font: 12pt Times New Roman, Times, Serif">not employed by Parent or any of its Subsidiaries, has
reported evidence of a violation of securities laws, fiduciary duties or similar violation by Parent or any of its officers,
directors, or employees to the Parent Board or any committee thereof or, to the knowledge of Parent, to any director or
officer of Parent.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.7 <U>Broker&rsquo;s Fees</U>. Neither Parent nor any
Parent Subsidiary nor any of their respective officers or directors has employed any broker, finder or financial advisor or incurred
any liability for any broker&rsquo;s fees, commissions or finder&rsquo;s fees in connection with the Merger or related transactions
contemplated by this Agreement, other than Barclays Capital Inc. and Morgan Stanley &amp; Co. LLC.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.8 <U>Absence of Certain Changes or Events</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif"></P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Since December 31, 2016, no event or events have occurred that have had or would
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) Since December 31, 2016, except with respect to the transactions contemplated hereby
or as required or permitted by this Agreement, Parent and its Subsidiaries have carried on their respective businesses in all
material respects in the ordinary course of business.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.9 <U>Legal Proceedings</U>.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(a) Neither Parent nor any of its Subsidiaries is a party to any, and there are no
pending or, to the knowledge of Parent, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental
or regulatory investigations of any nature against Parent or any of its Subsidiaries that would reasonably be likely to have,
either individually or in the aggregate, a Material Adverse Effect with respect to Parent, or challenge the validity or propriety
of this Agreement.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">(b) There is no injunction, order, judgment, decree, or regulatory restriction imposed
upon Parent, any of its Subsidiaries or the assets of Parent or any of its Subsidiaries (or that, upon consummation of the Merger,
would apply to Parent or any of its affiliates) that would reasonably be expected to be material to either Parent or any of its
Significant Subsidiaries, taken as a whole.</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.10 <U>Taxes and Tax Returns</U>. Each of Parent and its
Subsidiaries has duly and timely filed (taking into account all applicable extensions) all material Tax Returns in all jurisdictions
in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct, and complete in all material
respects. All material Taxes of Parent and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully
and timely paid. Each of Parent and its Subsidiaries has withheld and paid all material Taxes required to have been withheld and
paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent contractor or other third party.
The federal income Tax Returns of Parent and its Subsidiaries for all years up to and including December 31, 2012 have been examined
by the IRS or are Tax Returns with respect to which the applicable period for assessment under applicable law, after giving effect
to extensions or waivers, has expired. No </P>

<!-- Field: Page; Sequence: 48; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->39<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin: 0; font: 12pt Times New Roman, Times, Serif">deficiency with respect to a material amount of Taxes has been
proposed, asserted or assessed against Parent or any of its Subsidiaries. There are no pending or threatened (in writing) disputes,
claims, audits, examinations or other proceedings regarding any material Taxes of Parent and its Subsidiaries or the assets of
Parent and its Subsidiaries.</P>

<P STYLE="margin: 0; text-indent: 0pt; font: 12pt Times New Roman, Times, Serif">&nbsp;</P>

<P STYLE="margin: 0; text-indent: 72pt; font: 12pt Times New Roman, Times, Serif">4.11 <U>Compliance with Applicable Law</U>.
Parent and each of its Subsidiaries hold, and have at all times since December 31, 2013 held, all licenses, franchises, permits
and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties,
rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith),
except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization
(nor the failure to pay any fees or assessments) would reasonably be likely to have, either individually or in the aggregate,
a Material Adverse Effect with respect to Parent, and to the knowledge of Parent, no suspension or cancellation of any such necessary
license, franchise, permit or authorization is threatened. Parent and each of its Subsidiaries have complied in all material respects
with and are not in material default or violation under any law, statute, order, rule or regulation of any Governmental Entity
applicable to Parent or any of its Subsidiaries. Without limiting the generality of the foregoing, except as would not reasonably
be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent, none of Parent or
any of its affiliates, or to the knowledge of Parent, any director, officer, employee, agent or other person acting on behalf
of Parent or any of its affiliates, has, directly or indirectly, (a) used any funds of Parent or any of its affiliates for unlawful
contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (b) made any unlawful
payment to foreign or domestic governmental officials or employees or to foreign or domestic political parties or campaigns from
funds of Parent or any of its affiliates, (c) violated any provision of the Foreign Corrupt Practices Act or any similar law or
(d) made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful
payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment
in securing business or to obtain special concessions for the Company or any of its affiliates, or is currently subject to any
United States sanctions administered by the OFAC. Parent Bank has a Community Reinvestment Act rating of &ldquo;satisfactory&rdquo;
or better. Parent and each of its affiliates and subsidiaries have complied in all material respects with and are not in material
default or violation under the Volcker Rule. Section 4.11 of the Parent Disclosure Schedule sets forth (i) all Parent affiliates
and subsidiaries (including Parent) engaged in proprietary trading (as defined in the Volcker Rule) that would be prohibited upon
expiration of any temporary conformance period granted by the Federal Banking Agencies under the Volcker Rule and (ii) all covered
funds (as defined in the Volcker Rule) that Parent or any of its affiliates or subsidiaries sponsors or invests in that would
be prohibited upon expiration of any temporary conformance period granted by the Federal Banking Agencies under the Volcker Rule.
Parent and its applicable subsidiaries have established and maintain a system of internal controls designed to ensure compliance
by Parent and its subsidiaries with the laws, regulations and regulatory guidance that is applicable to it. For the purpose of
the preceding two sentences, &ldquo;<U>affiliate</U>&rdquo; and &ldquo;<U>subsidiary</U>&rdquo; shall have their respective meanings
under 12 U.S.C. &sect; 1813. Except as would not reasonably be likely to have, either individually or in the aggregate, a Material
Adverse Effect with respect to Parent, Parent and its Subsidiaries are in compliance, and, since January 1, 2014 have complied,
with all Environmental Laws.</P>


<!-- Field: Page; Sequence: 49; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->40<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.12 <U>Certain Contracts</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a)
Each contract, arrangement, commitment or understanding (whether written or oral) which is a &ldquo;material contract&rdquo; (as
such term is defined in Item 601(b)(10) of Regulation S-K of the SEC) to which Parent or any of its Subsidiaries is a party or
by which Parent or any of its Subsidiaries is bound as of the date hereof has been filed as an exhibit to the most recent Annual
Report on Form 10-K filed by Parent, or a Quarterly Report on Form 10-Q or Current Report on Form 8-K subsequent thereto (each,
a &ldquo;<U>Parent Contract</U></FONT>&rdquo;), and neither Parent nor any of its Subsidiaries knows of, or has received notice
of, any violation of any Parent Contract by any of the other parties thereto which would reasonably be likely to have, either
individually or in the aggregate, a Material Adverse Effect with respect to Parent.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) In each case, except as would not
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent, (i) each
Parent Contract is valid and binding on Parent or one of its Subsidiaries, as applicable, and in full force and effect, (ii) Parent
and each of its Subsidiaries have performed all obligations required to be performed by it prior to the date hereof under each
Parent Contract, (iii) to the knowledge of Parent, each third-party counterparty to each Parent Contract has performed all obligations
required to be performed by it to date under such Parent Contract, and (iv) no event or condition exists which constitutes or,
after notice or lapse of time or both, will constitute, a default on the part of Parent or any of its Subsidiaries under any such
Parent Contract.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.13 <U>Agreements with Regulatory Agencies</U>.
Neither Parent nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by,
or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment
letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty
by, or has been since January 1, 2014, a recipient of any supervisory letter from, or since January 1, 2014, has adopted any policies,
procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently
restricts in any material respect the conduct of its business, or the expansion of its business, or that in any material manner
relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business
(each, whether or not set forth in the Parent Disclosure Schedule, a &ldquo;<U>Parent Regulatory Agreement</U>&rdquo;), nor has
Parent or any of its Subsidiaries been advised, in writing or, to the knowledge of Parent, orally, since January 1, 2014, by any
Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Parent
Regulatory Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.14 <U>Information Security</U>. Except
as would not reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to
Parent, to the knowledge of Parent, since January 1, 2014, no third party has gained unauthorized access to any information technology
networks controlled by Parent or any of its Subsidiaries.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.15 <U>Related Party Transactions</U>.
There are no transactions or series of related transactions, agreements, arrangements or understandings, nor are there any currently
proposed transactions or series of related transactions, between Parent or any of its Subsidiaries, on the one hand, and any current
director or &ldquo;executive officer&rdquo; (as defined in Rule 3b-7 under the </P>

<!-- Field: Page; Sequence: 50; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->41<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Exchange Act) of Parent or any of its Subsidiaries
or any person who beneficially owns (as defined in Rules 13d-3 and 13d-5 of the Exchange Act) 5% or more of the outstanding Parent
Common Stock (or any of such person&rsquo;s immediate family members or affiliates) (other than Subsidiaries of Parent), on the
other hand, of the type required to be reported in any Parent Report pursuant to Item 404 of Regulation S-K promulgated under
the Exchange Act.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.16 <U>Reorganization</U>. Parent has not
taken any action and is not aware of any fact or circumstance that could reasonably be expected to prevent the Mergers, taken
together, from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.17 <U>Investment Securities</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Except as would not reasonably be
likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent, each of Parent and
its Subsidiaries has good title to all securities owned by it (except those sold under repurchase agreements or held in any fiduciary
or agency capacity), free and clear of any Lien, except (i) as set forth in the financial statements included in the Parent Reports
and (ii) to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of
Parent or its Subsidiaries. Such securities are valued on the books of Parent in accordance with GAAP in all material respects.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Parent and its Subsidiaries employ,
to the extent applicable, investment, securities, risk management and other policies, practices and procedures that Parent believes
are prudent and reasonable in the context of their respective businesses, and Parent and its Subsidiaries have, since January
1, 2014, been in compliance with such policies, practices and procedures in all material respects.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.18 <U>Opinion</U>. Prior to the execution
of this Agreement, Parent has received opinions (which, if initially rendered verbally, have been or will be confirmed by written
opinions, dated the same date) of Barclays Capital Inc. and Morgan Stanley &amp; Co. LLC to the effect that as of the date thereof
and based upon and subject to the factors, assumptions, and limitations set forth therein, the Merger Consideration payable pursuant
to this Agreement is fair from a financial point of view to Parent. Such opinions have not been amended or rescinded in any material
respect as of the date of this Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.19 <U>Parent Information</U>. The information
relating to Parent and its Subsidiaries that is provided by Parent or its representatives specifically for inclusion in (a) the
Joint Proxy Statement, on the date it (or any amendment or supplement thereto) is first mailed to holders of Company Common Stock
or at the time of the Company Meeting, (b) the S-4, when it or any amendment thereto becomes effective under the Securities Act,
(c) the documents and financial statements of Parent incorporated by reference in the Joint Proxy Statement, the S-4 or any amendment
or supplement thereto or (d) any other document filed with any other Regulatory Agency in connection herewith, will not contain
any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in light of
the circumstances in which they are made, not misleading. The portions of the Joint Proxy Statement relating to Parent and its
Subsidiaries and other portions within the reasonable control of Parent and its Subsidiaries will comply in all material respects
with the provisions of the Exchange Act and the </P>

<!-- Field: Page; Sequence: 51; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->42<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">rules and regulations thereunder. Notwithstanding the foregoing, no representation
or warranty is made by Parent with respect to statements made or incorporated by reference therein based on information provided
or supplied by or on behalf of Company or its Subsidiaries for inclusion in the Joint Proxy Statement or the S-4.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.20 <U>Loan Portfolio</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Except as would not reasonably be
likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent, each outstanding Loan
of Parent and its Subsidiaries (i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine
and what they purport to be, (ii) to the extent carried on the books and records of Parent and its Subsidiaries as secured Loans,
has been secured by valid Liens, which have been perfected and (iii) is the legal, valid and binding obligation of the obligor
named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Except as would not reasonably be
likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent, each outstanding Loan
of Parent and its Subsidiaries (including Loans held for resale to investors) was solicited and originated, and is and has been
administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all material respects, in accordance
with the relevant notes or other credit or security documents, the applicable written underwriting standards of Parent and its
Subsidiaries (and, in the case of Loans held for resale to investors, the applicable underwriting standards, if any, of the applicable
investors) and with all applicable federal, state and local laws, regulations and rules.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) None of the agreements pursuant to
which Parent or any of its Subsidiaries has sold Loans or pools of Loans or participations in Loans or pools of Loans contains
any obligation to repurchase such Loans or interests therein solely on account of a payment default by the obligor on any such
Loan (other than first payment defaults).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) There are no outstanding Loans made
by Parent or any of its Subsidiaries to any &ldquo;executive officer&rdquo; or other &ldquo;insider&rdquo; (as each such term
is defined in Regulation O promulgated by the Federal Reserve Board) of Parent or its Subsidiaries, other than Loans that are
subject to and that were made and continue to be in compliance with Regulation O or that are exempt therefrom.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(e) Neither Parent nor any of its Subsidiaries
is now, nor has it ever been since December 31, 2013, subject to any material fine, suspension, settlement or other administrative
agreement or sanction by, any Governmental Entity or Regulatory Agency relating to the origination, sale or servicing of mortgage
or consumer Loans.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.21 <U>Financing</U>. Parent has, or will
have available to it prior to the Closing Date, all funds necessary to satisfy its obligations hereunder.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">4.22 <U>No Other Representations or
Warranties</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Except for the representations and
warranties made by Parent and Merger Sub in this Article IV, neither Parent nor Merger Sub nor any other person makes any express
or </P>

<!-- Field: Page; Sequence: 52; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->43<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">implied representation or warranty with respect to Parent, its Subsidiaries, Merger Sub, or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and Parent and Merger Sub hereby disclaim any such other
representations or warranties.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Parent and Merger Sub acknowledge
and agree that neither Company nor any other person has made or is making any express or implied representation or warranty other
than those contained in Article III.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>Article
V</B></FONT></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B></B></FONT><B>Covenants Relating to Conduct of Business</B></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">5.1 <U>Conduct of Business Prior to the
Effective Time</U>. During the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement,
except as expressly contemplated or permitted by this Agreement (including as set forth in the Company Disclosure Schedule), required
by law or as consented to in writing by Parent (such consent not to be unreasonably withheld, conditioned or delayed), (a) Company
shall, and shall cause each of its Subsidiaries to, (i) conduct its business in the ordinary course of business in all material
respects and (ii) use reasonable best efforts to maintain and preserve intact its business organization and advantageous business
relationships and (iii) operate, in all material respects, in accordance with the policies and procedures applicable to it, and
(b) each of Parent and Company shall and shall cause its respective Subsidiaries to take no action that would reasonably be likely
to adversely affect or delay the ability to obtain any necessary approvals of any Regulatory Agency or other Governmental Entity
required for the transactions contemplated hereby or to perform its respective covenants and agreements under this Agreement or
to consummate the transactions contemplated hereby on a timely basis.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">5.2 <U>Company Forbearances</U>. During
the period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as expressly
set forth in the Company Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required by applicable
law or binding regulatory guidance, Company shall not, and shall not permit any of its Subsidiaries to without the prior written
consent of Parent (such consent not to be unreasonably withheld, conditioned or delayed):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) in each case, other than in the ordinary
course of business, incur any indebtedness for borrowed money (other than indebtedness of Company or any of its wholly owned Subsidiaries
to Company or any of its Subsidiaries), assume, guarantee, endorse or otherwise as an accommodation become responsible for the
obligations of any other person (other than any Subsidiary of Company);</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) (i) adjust, split, combine or
reclassify any capital stock;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">(ii) make, declare or pay any
dividend, or make any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its
capital stock or any securities or obligations convertible (whether currently convertible or convertible only after the passage
of time or the occurrence of certain events) into or </P>

<!-- Field: Page; Sequence: 53; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->44<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">exchangeable for any shares of its capital stock (except (A) regular quarterly
cash dividends by Company at a rate not in excess of $0.12 per share of Company Common Stock (except that if Parent increases
the rate of its regular quarterly dividends on Parent Common Stock paid by it during any fiscal quarter after the date hereof
relative to that paid by it during the fiscal quarter immediately preceding the date hereof, Company shall be permitted to increase
the rate of dividends on Company Common Stock paid by it during the same fiscal quarter by the same proportion (or if not possible
in the same quarter, in the next fiscal quarter with an appropriate &ldquo;catch-up&rdquo; adjustment to account for the amounts
that would have been paid in the prior quarter), subject in all respects to any receipt of regulatory approval required in connection
with such dividend increase), and any associated dividend equivalents for Company Equity Awards, (B) quarterly dividends payable
on the Company Preferred Stock, (C) dividends paid by any of the Subsidiaries of Company to Company or any of its wholly owned
Subsidiaries, or (D) the acceptance of shares of Company Common Stock as payment for the exercise price of Company Stock Options
or for withholding taxes incurred in connection with the exercise of Company Stock Options or the vesting or settlement of Company
Equity Awards and dividend equivalents thereon, if any, in each case, in accordance with past practice and the terms of the applicable
award agreements);</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">(iii) grant any stock options,
stock appreciation rights, performance shares, restricted stock units, restricted shares or other equity-based awards or interests,
or grant any individual, corporation or other entity any right to acquire any shares of its capital stock; or</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">(iv) issue, sell or otherwise
permit to become outstanding any additional shares of capital stock or securities convertible or exchangeable into, or exercisable
for, any shares of its capital stock or any options, warrants, or other rights of any kind to acquire any shares of capital stock,
except for the issuance of shares (x) upon the exercise of Company Stock Options or the vesting or settlement of Company Equity
Awards (and dividend equivalents thereon, if any) outstanding as of the date hereof or granted on or after the date hereof to
the extent permitted under this Agreement or (y) upon conversion of shares of Company Class B Non-Voting Common Stock outstanding
as of the date hereof;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) sell, transfer, mortgage, encumber
or otherwise dispose of any of its material properties or assets to any individual, corporation or other entity other than a wholly
owned Subsidiary, or cancel, release or assign any material indebtedness to any such person or any claims held by any person,
in each case other than in the ordinary course of business;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) except for transactions in the ordinary
course of business (including by way of foreclosure or acquisitions of control in a fiduciary or similar capacity or in satisfaction
of debts previously contracted in good faith), make any material investment either by purchase of stock or securities, contributions
to capital, property transfers, or purchase of any property or assets of any other individual, corporation or other entity, other
than in a wholly owned Subsidiary of Company;</P>

<!-- Field: Page; Sequence: 54; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->45<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(e) (i) terminate, materially amend,
or waive any material provision of, any Company Contract, or make any material change in any instrument or agreement governing
the terms of any of its securities, other than normal renewals in the ordinary course of business or (ii) enter into any contract
that would constitute a Company Contract if it were in effect on the date of this Agreement;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(f) except as required under applicable
law or the terms of any Company Benefit Plan existing as of the date hereof, (i) enter into, adopt or terminate any Company Benefit
Plan (including any plans, programs, policies, agreements or arrangements that would be considered a Company Benefit Plan if in
effect as of the date hereof), (ii) amend any Company Benefit Plan (including any plans, programs, policies, agreements or arrangements
adopted or entered into that would be considered a Company Benefit Plan if in effect as of the date hereof), other than amendments
in the ordinary course of business that do not materially increase the cost or expense of maintaining such plan, program, policy
or arrangements, (iii) increase the compensation payable to any current or former employee, officer, director or individual independent
contractor, except for annual base salary or wage merit increases for officers and employees in the ordinary course of business
that do not exceed 3% of the aggregate cost of all officer and employee annual base salaries and wage rates in effect as of the
date hereof, (iv) pay or award, or commit to pay or award, any bonuses or incentive compensation, (v) accelerate the vesting of
any equity-based awards or other compensation, (vi) enter into any collective bargaining agreement or similar agreement or arrangement,
(vii) fund any rabbi trust or similar arrangement, (viii) terminate the employment or services of any officer, employee or whose
annual base salary is greater than $100,000, other than for cause, or (ix) hire any officer or employee whose annual base salary
or base wage is greater than $100,000;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(g) settle any material claim, suit,
action or proceeding (1) in an amount and for consideration in excess of $1,000,000 individually or $2,000,000 in the aggregate
or (2) in a manner that would impose any material restriction on the business of it or any of its Subsidiaries or of Parent or
any of its Subsidiaries;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(h) take any action or knowingly fail
to take any action where such action or failure to act could reasonably be expected to prevent the Mergers, taken together, from
qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i) amend the Company COI, the Company
Bylaws, or comparable governing documents of its Significant Subsidiaries;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(j) merge or consolidate itself or any
of its Significant Subsidiaries with any other person, or restructure, reorganize or completely or partially liquidate or dissolve
it or any of its Significant Subsidiaries;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(k) materially restructure or materially
change its investment securities or derivatives portfolio or its interest rate exposure, through purchases, sales or otherwise,
or the manner in which the portfolio is classified or reported, except as may be required by GAAP or by applicable laws, regulations,
guidelines or policies imposed by any Governmental Entity or requested by a Governmental Entity;</P>

<!-- Field: Page; Sequence: 55; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->46<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(l) implement or adopt any change in
its accounting principles, practices or methods, other than as may be required by GAAP or by applicable laws, regulations, guidelines
or policies imposed by any Governmental Entity;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(m) (i) enter into any material new line
of business or change in any material respect its policies, procedures or practices with respect to lending, investment, underwriting,
collateral eligibility, risk and asset liability management, interest rate, fee pricing, hedging, securitization, servicing or
other banking and operating policies, procedures and practices (including any change in the maximum ratio or similar limits as
a percentage of its capital exposure applicable with respect to its loan portfolio or any segment thereof), except as required
by such policies or applicable law, regulation or policies imposed by any Governmental Entity or (ii) make any loans or extensions
of credit outside of the ordinary course of business or inconsistent with, or in excess of the limitations contained in, Company&rsquo;s
loan policy; <U>provided</U>, that any consent from Parent sought pursuant to this clause (m)(ii) shall not be unreasonably withheld
and shall be given within two (2) business days after the relevant loan package is provided to Parent; <U>provided</U>, <U>further</U>,
that, if Parent does not respond to any such request for consent within two (2) business days, such non-response shall be deemed
to constitute consent pursuant to this clause (m)(ii);</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(n) make, or commit to make, any capital
expenditures in excess of $1,000,000 in the aggregate, other than as disclosed in Company&rsquo;s capital expenditure budget set
forth in Section 5.2(n) of the Company Disclosure Schedules;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(o) other than in the ordinary course
of business make, change or revoke any material Tax election, change an annual Tax accounting period, adopt or change any material
Tax accounting method, file any amended Tax Return, enter into any closing agreement with respect to Taxes, or settle any material
Tax claim, audit, assessment or dispute or surrender any right to claim a refund of a material amount of Taxes;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(p) (i) make application for the opening
or relocation of, or open or relocate, any branch office, loan production office or other significant office or operations facility
of it or its Subsidiaries, (ii) make application for the closing of or close any branch or (iii) purchase any new real property
(other than other real estate owned (OREO) properties in the ordinary course of business) in an amount in excess of $1,000,000
for any individual property, or enter into, amend or renew any material lease with respect to real property requiring aggregate
payments under any individual lease in excess of $1,000,000;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(q) knowingly take any action that is
intended to or would reasonably be likely to adversely affect or materially delay the ability of Company or its Subsidiaries to
obtain any necessary approvals of any Governmental Entity required for the transactions contemplated hereby or the Requisite Company
Vote or to perform its covenants and agreements under this Agreement or to consummate the transactions contemplated hereby; or</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(r) agree to take, make any commitment
to take, or adopt any resolutions of its Board of Directors or similar governing body in support of, any of the actions prohibited
by this Section 5.2.</P>

<!-- Field: Page; Sequence: 56; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->47<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">5.3 <U>Parent Forbearances</U>. During the
period from the date of this Agreement to the Effective Time or earlier termination of this Agreement, except as expressly set
forth in the Parent Disclosure Schedule, as expressly contemplated or permitted by this Agreement or as required by applicable
law or binding regulatory guidance, Parent shall not, and shall not permit any of its Subsidiaries to, without the prior written
consent of Company (such consent not to be unreasonably withheld, conditioned or delayed):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) amend the Parent Charter or the Parent
Bylaws in a manner that would materially and adversely affect the holders of Company Common Stock, or adversely affect the holders
of Company Common Stock relative to other holders of Parent Common Stock;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) adjust, split, combine or reclassify
any capital stock of Parent or make, declare or pay any extraordinary dividend on any capital stock of Parent;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) incur any indebtedness for borrowed
money (other than indebtedness of Parent or any of its wholly owned Subsidiaries to Parent or any of its Subsidiaries) that would
reasonably be expected to prevent Parent or its Subsidiaries from assuming Company&rsquo;s or its Subsidiaries&rsquo; outstanding
indebtedness;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) sell, transfer, mortgage, encumber
or otherwise dispose of any of its material properties or assets to any individual, corporation or other entity other than a wholly
owned Subsidiary, in each case other than in the ordinary course of business or in a transaction that, together with such other
transactions, is not reasonably likely to cause the Closing to be materially delayed or the receipt of the Requisite Regulatory
Approvals to be prevented or materially delayed;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(e) make any material investment either
by purchase of stock or securities, contributions to capital, property transfers, or purchase of any property or assets of any
other individual, corporation or other entity, other than in a wholly owned Subsidiary of Parent, except for transactions in the
ordinary course of business or in a transaction that, together with such other transactions, is not reasonably likely to cause
the Closing to be materially delayed or the receipt of the Requisite Regulatory Approvals to be prevented or materially delayed;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(f) merge or consolidate itself or any
of its Significant Subsidiaries with any other person (i) where it or its Significant Subsidiary, as applicable, is not the surviving
person or (ii) if the merger or consolidation is reasonably likely to cause the Closing to be materially delayed or the receipt
of the Requisite Regulatory Approvals to be prevented or materially delayed, or restructure, reorganize or completely or partially
liquidate or dissolve it or any of its Significant Subsidiaries;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(g) take any action or knowingly fail
to take any action where such action or failure to act could reasonably be expected to prevent the Mergers, taken together, from
qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section 368(a) of the Code;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(h) knowingly take any action that is
intended to or would reasonably be likely to adversely affect or materially delay the ability of Parent or its Subsidiaries to
obtain any necessary approvals of any Governmental Entity required for the transactions contemplated </P>

<!-- Field: Page; Sequence: 57; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->48<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">hereby or the Requisite Parent
Vote or to perform its covenants and agreements under this Agreement or to consummate the transactions contemplated hereby; or</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i) agree to take, make any commitment
to take, or adopt any resolutions of its Board of Directors or similar governing body in support of, any of the actions prohibited
by this Section 5.3.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;VI</B></FONT></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="text-transform: uppercase"><B></B></FONT><B>Additional
Agreements</B></P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.1 <U>Regulatory Matters</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Parent and Company shall promptly
prepare and file with the SEC, no later than sixty (60) days after of the date of this Agreement, the Joint Proxy Statement and
Parent shall promptly prepare and file with the SEC the S-4, in which the Joint Proxy Statement will be included as a prospectus.
Each of Parent and Company shall use their reasonable best efforts to have the S-4 declared effective under the Securities Act
as promptly as practicable after such filing and to keep the S-4 effective for so long as necessary to consummate the transactions
contemplated by this Agreement, and Parent and Company shall thereafter mail or deliver the Joint Proxy Statement to their respective
shareholders/stockholders. Parent shall also use its reasonable best efforts to obtain all necessary state securities law or &ldquo;Blue
Sky&rdquo; permits and approvals required to carry out the transactions contemplated by this Agreement as promptly as practicable,
and Company shall furnish all information concerning Company and the holders of Company Common Stock as may be reasonably requested
in connection with any such action.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) The parties hereto shall cooperate
with each other and use their reasonable best efforts to promptly prepare and file all necessary documentation, to effect all
applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals and authorizations
of all third parties and Governmental Entities which are necessary or advisable to consummate the transactions contemplated by
this Agreement (including the Merger and the Bank Merger), and to comply with the terms and conditions of all such permits, consents,
approvals and authorizations of all such third parties and Governmental Entities. Without limiting the generality of the foregoing,
as soon as practicable and in any event within forty-five (45) days after the date of this Agreement, Parent and Company shall,
and shall cause their respective Subsidiaries to, each prepare and file any applications, notices and filings required in order
to obtain the Requisite Regulatory Approvals. Parent and Company shall each use, and shall each cause their applicable Subsidiaries
to use, reasonable best efforts to obtain each such Requisite Regulatory Approval and any approvals required for the Bank Merger
as promptly as reasonably practicable. The parties shall cooperate with each other in connection therewith (including the furnishing
of any information and any reasonable undertaking or commitments that may be required to obtain the Requisite Regulatory Approvals)
and shall respond as promptly as practicable to the requests of Governmental Entities for documents and information. Parent and
Company shall have the right to review in advance, and, to the extent practicable, each will consult the other on, in each case
subject to applicable laws relating to the exchange of information, all the information relating to Company or Parent, as the
case may be, and any of their respective Subsidiaries, which appears in any filing made with, or written materials </P>

<!-- Field: Page; Sequence: 58; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->49<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">submitted to, any third party or any Governmental Entity in
connection with the transactions contemplated by this Agreement. In exercising the foregoing right, each of the parties hereto
shall act reasonably and as promptly as practicable. Each party will provide the other with copies of any applications and all
correspondence relating thereto prior to filing and with sufficient opportunity to comment, other than any portions of material
filed in connection therewith that contain competitively sensitive business or other proprietary information filed under a claim
of confidentiality (except any competitively sensitive business or other proprietary information (but not any confidential supervisory
information) of Company that is necessary for Parent to prepare and file any applications, notices and filings required in order
to obtain the Requisite Regulatory Approvals; <U>provided</U>, that Parent shall request confidential treatment of any such information,
permit Company to control the defense of any challenge to such confidential treatment request and will not release any such information
publicly pursuant to Freedom of Information Act requests or similar rules without Company&rsquo;s consent). The parties hereto
agree that they will consult with each other with respect to the obtaining of all permits, consents, approvals and authorizations
of all third parties and Governmental Entities necessary or advisable to consummate the transactions contemplated by this Agreement
and each party will keep the other apprised of the status of matters relating to completion of the transactions contemplated herein.
Each party shall consult with the other in advance of any meeting or conference with any Governmental Entity in connection with
the transactions contemplated by this Agreement and to the extent permitted by such Governmental Entity, give the other party
and/or its counsel the opportunity to attend and participate in any such meetings and conferences.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(c)
In furtherance and not in limitation of the foregoing, each of Parent and Company shall use its reasonable best efforts to (i)
avoid the entry of, or to have vacated, lifted, reversed or overturned any decree, judgment, injunction or other order, whether
temporary, preliminary or permanent, that would restrain, prevent or delay the Closing, and (ii) avoid or eliminate each and every
impediment so as to enable the Closing to occur as soon as possible, including proposing, negotiating, committing to and effecting,
by consent decree, hold separate order, or otherwise, the sale, divestiture or disposition of businesses or assets of Parent,
Company and their respective Subsidiaries. Notwithstanding anything in this Agreement to the contrary, nothing contained in this
Agreement shall require Parent or any of its Subsidiaries to take, or agree to take, any actions specified in this Section 6.1
or otherwise or to agree to any conditions in respect of any approvals required hereunder that would reasonably be likely to have
a material adverse effect with respect to Parent and its Subsidiaries, taken as a whole, after giving effect to the Merger (a
&ldquo;<U>Materially Burdensome Regulatory Condition</U></FONT>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) Parent and Company shall, upon request,
furnish each other with all information concerning themselves, their Subsidiaries, directors, officers and shareholders/stockholders
and such other matters as may be reasonably necessary or advisable in connection with the Joint Proxy Statement, the S-4 or any
other statement, filing, notice or application made by or on behalf of Parent, Company or any of their respective Subsidiaries
to any Governmental Entity in connection with the Merger, the Bank Merger and the other transactions contemplated by this Agreement.
Each of Parent and Company agrees, as to itself and its Subsidiaries, that none of the information supplied or to be supplied
by it specifically for inclusion or incorporation by reference in (i) the S-4 will, at the time the S-4 and each amendment or
supplement thereto, if any, becomes effective under the Securities Act, contain any untrue statement of a material fact or omit
to state any material fact required to be stated</P>

<!-- Field: Page; Sequence: 59; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->50<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0"> therein or necessary to make the statements therein not misleading, (ii) the
Joint Proxy Statement and any amendment or supplement thereto will, at the date of mailing to the respective stockholders/shareholders
of Company or Parent and at the time of the Parent Meeting and the Company Meeting, contain any untrue statement of a material
fact or omit to state any material fact required to be stated therein or necessary to make the statements therein, in the light
of the circumstances under which such statement was made, not misleading, and (iii) any applications, notices and filings required
in order to obtain the Requisite Regulatory Approvals will, at the time each is filed, contain any untrue statement of a material
fact or omit to state any material fact required to be stated therein or necessary to make the statements therein not misleading.
Each of Parent and Company further agrees that if it becomes aware that any information furnished by it would cause any of the
statements in the S-4 or the Joint Proxy Statement to be false or misleading with respect to any material fact, or to omit to
state any material fact necessary to make the statements therein not false or misleading, to promptly inform the other party thereof
and to take appropriate steps to correct the S-4 or the Joint Proxy Statement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(e) Parent and Company shall promptly
advise each other upon receiving any communication from any Governmental Entity whose consent or approval is required for consummation
of the transactions contemplated by this Agreement that causes such party to believe that there is a reasonable likelihood that
any Requisite Regulatory Approval will not be obtained or that the receipt of any such approval will be materially delayed.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(f) Without limiting the generality of
this Section 6.1, Company shall, and shall cause its Subsidiaries to, reasonably cooperate with Parent and its Subsidiaries (including
the furnishing of information and by making employees reasonably available) as is reasonably requested by Parent in order to comply
with the requirements of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act stress testing program applicable
to Parent and its Subsidiaries.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.2 <U>Access to Information</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Upon reasonable notice and subject
to applicable laws, each of Parent and Company, for the purposes of verifying the representations and warranties of the other
and preparing for the Merger and the other matters contemplated by this Agreement, shall, and shall cause each of their respective
Subsidiaries to, afford to the officers, employees, accountants, counsel, advisors and other representatives of the other party,
access, during normal business hours during the period prior to the Effective Time, to all its properties, books, contracts, personnel,
information technology systems, and records, and each shall reasonably cooperate with the other party in preparing to execute
after the Effective Time conversion or consolidation of systems and business operations generally (including by entering into
customary confidentiality, non-disclosure and similar agreements with such service providers and/or the other party), and, during
such period, during normal business hours and in a manner so as not to interfere with normal business operations, each of Parent
and Company shall, and shall cause its respective Subsidiaries to, make available to the other party such information concerning
its business, properties and personnel as such party may reasonably request. Each party shall use commercially reasonable efforts
to minimize any interference with the other party&rsquo;s regular business operations during any such access. Neither Parent nor
Company nor any of their respective Subsidiaries shall be required to provide access to or to disclose information where </P>

<!-- Field: Page; Sequence: 60; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->51<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">such
access or disclosure would violate or prejudice the rights of Parent&rsquo;s or Company&rsquo;s, as the case may be, customers,
jeopardize the attorney-client privilege of the institution in possession or control of such information (after giving due consideration
to the existence of any common interest, joint defense or similar agreement between the parties) or contravene any law, rule,
regulation, order, judgment, decree, fiduciary duty or binding agreement entered into prior to the date of this Agreement. The
parties hereto will make appropriate substitute disclosure arrangements under circumstances in which the restrictions of the preceding
sentence apply.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(b)
Each of Parent and Company shall hold all information furnished by or on behalf of the other party or any of such party&rsquo;s
Subsidiaries or representatives pursuant to Section 6.2(a) in confidence to the extent required by, and in accordance with, the
provisions of the confidentiality agreement, dated February 23, 2017, between Parent and Company (the &ldquo;<U>Confidentiality
Agreement</U></FONT>&rdquo;).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) No investigation by either of the
parties or their respective representatives shall affect or be deemed to modify or waive the representations and warranties of
the other set forth herein. Nothing contained in this Agreement shall give either party, directly or indirectly, the right to
control or direct the operations of the other party prior to the Effective Time. Prior to the Effective Time, each party shall
exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over its and its Subsidiaries&rsquo;
respective operations.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.3 <U>Company Stockholder Approval</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a)
Company shall take, in accordance with applicable law and the Company COI and Company Bylaws, all actions necessary to convene
a special meeting of its stockholders (the &ldquo;<U>Company Meeting</U></FONT>&rdquo;) to be held as soon as reasonably practicable
after the S-4 is declared effective for the purpose of obtaining the Requisite Company Vote required in connection with this Agreement
and the Merger. Except to the extent specifically contemplated in Section 6.3(b) in the case of an Adverse Recommendation Change,
each of Company and the Company Board shall use its reasonable best efforts to obtain from the stockholders of Company the Requisite
Company Vote, including by communicating to its stockholders its recommendation (and including such recommendation in the Joint
Proxy Statement) that they adopt and approve the plan of Merger set forth in this Agreement and the transactions contemplated
hereby. Company shall engage a proxy solicitor reasonably acceptable to Parent to assist in the solicitation of proxies from stockholders
relating to the Requisite Company Vote.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(b)
The Company Board (and each committee thereof) shall not: (1) withhold, withdraw, qualify or modify (or publicly propose, resolve
or declare its intent to withhold, withdraw, qualify or modify) the Company Recommendation; (2) recommend or declare advisable
an Acquisition Proposal; or (3) fail to include the Company Recommendation in the Joint Proxy Statement (any action described
in sub-clauses (1)-(3) above, an &ldquo;<U>Adverse Recommendation Change</U></FONT>&rdquo;). However, subject to Section 8.1 and
Section 8.2, if at any time after the date of this Agreement and prior to the time the Requisite Company Vote is obtained, the
Company receives an Acquisition Proposal that did not result from a material breach of the other terms of this Agreement, and
the Company Board, after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisors,
determines in good faith that failure to effect an Adverse Recommendation Change in connection with an Acquisition </P>

<!-- Field: Page; Sequence: 61; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->52<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Proposal would more likely than not result in a violation of
its fiduciary duties under applicable law, then in submitting this Agreement to its stockholders, the Company Board may make an
Adverse Recommendation Change (although the resolutions approving this Agreement as of the date hereof may not be rescinded or
amended), in which event the Company Board may communicate the basis for its Adverse Recommendation Change to its stockholders
in the Joint Proxy Statement or an appropriate amendment or supplement thereto; <U>provided</U>, that the Company Board may not
take any actions under this sentence unless (i) it gives Parent at least three (3) business days&rsquo; prior written notice of
its intention to take such action and a reasonable description of the event or circumstances giving rise to its determination
to take such action (including, in the event such action is taken by the Company Board in response to an Acquisition Proposal,
the latest material terms and conditions and the identity of the third party in any such Acquisition Proposal, or any amendment
or modification thereof, or describe in reasonable detail such other event or circumstances) and (ii) at the end of such notice
period, the Company Board takes into account any amendment or modification to this Agreement proposed by Parent and after receiving
the advice of its outside counsel and, with respect to financial matters, its financial advisors, determines in good faith that
it would more likely than not result in a violation of its fiduciary duties under applicable law to continue to recommend this
Agreement. Any material amendment to any Acquisition Proposal will be deemed to be a new Acquisition Proposal for purposes of
this Section 6.3 and will require a new notice period as referred to in this Section 6.3.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) Company shall adjourn or postpone
the Company Meeting to solicit additional proxies if, as of the time for which such meeting is originally scheduled, there are
insufficient shares of Company Common Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct
the business of such meeting, or if on the date of such meeting, Company has not received proxies representing a sufficient number
of shares necessary to obtain the Requisite Company Vote. Notwithstanding anything in this Agreement to the contrary, unless this
Agreement has been terminated in accordance with its terms, the Company Meeting shall be convened and this Agreement shall be
submitted to the stockholders of Company at the Company Meeting, for the purpose of voting on the adoption of this Agreement and
the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve Company of such obligation. Company
shall only be required to adjourn or postpone the Company Meeting two (2) times pursuant to the first sentence of this Section
6.3(c).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.4 <U>Parent Shareholder Approval</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a)
The Parent Board has resolved to recommend to Parent&rsquo;s shareholders that they approve the issuance of Parent Common Stock
in connection with the Merger, and will submit to its shareholders the proposed issuance of the Parent Common Stock and any other
matters required to be approved by its shareholders in order to carry out the intentions of this Agreement. Parent shall duly
take, in accordance with applicable law, the Parent Charter, and the Parent Bylaws, all action necessary to call, give notice
of, convene and hold a meeting of its shareholders, as promptly as reasonably practicable after the S-4 is declared effective
for the purpose of obtaining the Requisite Parent Vote (the &ldquo;<U>Parent Meeting</U></FONT>&rdquo;). The Parent Board will
use its reasonable best efforts to obtain from its shareholders the Requisite Parent Vote, including by communicating to its shareholders
its recommendation (and including such recommendation in the Joint Proxy Statement). Parent shall engage a proxy solicitor reasonably</P>

<!-- Field: Page; Sequence: 62; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->53<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">
acceptable to Company to assist in the solicitation of proxies from shareholders relating to the Requisite Parent Vote. Company
and Parent shall cooperate to schedule and convene the Company Meeting and the Parent Meeting on the same date.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Parent shall adjourn or postpone
the Parent Meeting to solicit additional proxies, if, as of the time for which such meeting is originally scheduled there are
insufficient shares of Parent Common Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct
the business of such meeting, or if on the date of such meeting, Parent has not received proxies representing a sufficient number
of shares necessary to obtain the Requisite Parent Vote. Notwithstanding anything in this Agreement to the contrary, unless this
Agreement has been terminated in accordance with its terms, the Parent Meeting shall be convened and this Agreement shall be submitted
to the shareholders of Parent at the Parent Meeting, for the purpose of voting on the adoption of this Agreement and the other
matters contemplated hereby, and nothing contained herein shall be deemed to relieve Parent of such obligation. Parent shall only
be required to adjourn or postpone the Parent Meeting two (2) times pursuant to the first sentence of this Section 6.4(b).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.5 <U>Legal Conditions to Merger</U>. Subject
in all respects to Section 6.1 of this Agreement, each of Parent and Company shall, and shall cause its Subsidiaries to, use their
reasonable best efforts, in each case as promptly as practicable, (a) to take, or cause to be taken, all actions necessary, proper
or advisable to comply promptly with all legal requirements that may be imposed on such party or its Subsidiaries with respect
to the Merger and the Bank Merger and, subject to the conditions set forth in Article VII hereof, to consummate the transactions
contemplated by this Agreement, and (b) to obtain (and to cooperate with the other party to obtain) any material consent, authorization,
order or approval of, or any exemption by, any Governmental Entity and any other third party that is required to be obtained by
Company or Parent or any of their respective Subsidiaries in connection with the Merger, the Bank Merger and the other transactions
contemplated by this Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.6 <U>Stock Exchange Listing</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) Parent shall cause the shares of
Parent Common Stock to be issued in the Merger to be approved for listing on the NYSE, subject to official notice of issuance
prior to the Effective Time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Company shall cause the shares of
Class A Common Stock of Company to be delisted from the NASDAQ prior to the Effective Time.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.7 <U>Employee Matters</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a)
During the period commencing at the Effective Time and ending on the first (1st) anniversary of the Effective Time (the &ldquo;<U>Continuation
Period</U></FONT>&rdquo;), Parent shall provide the employees of Company and its Subsidiaries as of the Effective Time (the &ldquo;<U>Continuing
Employees</U>&rdquo;), for so long as they are employed following the Effective Time, with the following: (i) an annual base salary
or wages and target annual cash incentive opportunities, as applicable, that are, in each case, no less than the annual base salary
or wages and target annual cash incentive opportunities, as applicable, in effect for each such Continuing Employee immediately</P>

<!-- Field: Page; Sequence: 63; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->54<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">
prior to the Effective Time and (ii) employee benefits that are substantially comparable in the aggregate to those provided to
similarly situated employees of Parent and its Subsidiaries (excluding any severance benefits, frozen benefit plans of Parent
and its Subsidiaries or benefit plans that exclusively provide benefits to grandfathered employees of Parent and its Subsidiaries).
Without limiting the immediately preceding sentence, Parent shall, or shall cause the Surviving Corporation or one of its Subsidiaries
to, provide to each Continuing Employee whose employment terminates during the Continuation Period with severance benefits no
less than the severance benefits set forth in Section 6.7(a) of the Company Disclosure Schedule, determined (A) by taking into
account such Continuing Employee&rsquo;s service with Company and its Subsidiaries (and their predecessor entities) prior to the
Closing Date and with Parent and its Subsidiaries on and after the Closing Date, and (B) without taking into account any reduction
after the Closing in the compensation paid to such Continuing Employee.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(b)
With respect to any employee benefit plans of Parent or its Subsidiaries in which any Continuing Employees become eligible
to participate on or after the Effective Time (the &ldquo;<U>New Plans</U></FONT>&rdquo;), Parent and its Subsidiaries shall
use commercially reasonable efforts to: (i) waive all pre-existing conditions, exclusions and waiting periods with respect to
participation and coverage requirements applicable to such employees and their eligible dependents under any New Plans,
except to the extent such pre-existing conditions, exclusions or waiting periods would apply under the analogous Company
Benefit Plan, (ii) provide each such Continuing Employee and his or her eligible dependents with credit for any co-payments
or coinsurance and deductibles paid prior to the Effective Time under a Company Benefit Plan that provides health care
benefits (including medical, dental and vision), to the same extent that such credit was given under the analogous Company
Benefit Plan prior to the Effective Time, in satisfying any applicable deductible, co-payment, coinsurance or maximum
out-of-pocket requirements under any New Plans, and (iii) recognize all service of such Continuing Employees with Company and
its Subsidiaries for all purposes in any New Plan to the same extent that such service was taken into account under the
analogous Company Benefit Plan prior to the Effective Time; <U>provided</U> that the foregoing service recognition shall not
apply (A) to the extent it would result in duplication of benefits for the same period of service, (B) for purposes of
benefit accrual under any defined benefit pension plan, or (C) for purposes of any benefit plan that is a frozen plan or
provides grandfathered benefits.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(c)
If requested by Parent in writing at least twenty (20) business days prior to the Effective Time, Company shall cause any 401(k)
plan sponsored or maintained by Company (the &ldquo;<U>Company 401(k) Plan</U></FONT>&rdquo;) to be terminated effective as of
the day immediately prior to the Effective Time and contingent upon the occurrence of the Closing. In the event that Parent requests
that any Company 401(k) Plan be terminated, the Continuing Employees shall be eligible to participate, effective as of the Effective
Time, in a 401(k) plan sponsored or maintained by Parent or one of its Subsidiaries (a &ldquo;<U>Parent 401(k) Plan</U>&rdquo;).
Company and Parent shall take any and all actions as may be required, including amendments to the Company 401(k) Plan and/or Parent
401(k) Plan to permit the Continuing Employees who are then actively employed to make rollover contributions to the Parent 401(k)
Plan of &ldquo;eligible rollover distributions&rdquo; (with the meaning of Section 401(a)(31) of the Code) in the form of cash,
notes (in the case of loans), Parent Common Stock or a combination thereof in an amount equal to the full account balance distributed
to such Continuing Employee from a Company 401(k) Plan. Company shall provide Parent with evidence that the Company 401(k) Plan
has been terminated</P>

<!-- Field: Page; Sequence: 64; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->55<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">or amended, as applicable, in accordance with this Section
6.7(c); <U>provided</U> that, prior to amending or terminating the Company 401(k) Plan, Company shall provide the form and substance
of any applicable resolutions or amendments to Parent for review and comment (and shall consider in good faith any such comments).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) On and after the date hereof, any
broad-based employee notices or communication materials with respect to employment, compensation or benefits matters addressed
in this Agreement or related, directly or indirectly, to the transactions contemplated by this Agreement shall be subject to the
prior prompt review and comment of the other party, and the party seeking to distribute any such notice or communication shall
consider in good faith revising such notice or communication to reflect any comments or advice that the other party timely provides.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(e) Nothing
</FONT>in this Agreement shall confer upon any employee, officer, director or consultant of Company or any of its Subsidiaries
or affiliates any right to continue in the employ or service of the Surviving Company, Company, Parent, or any Subsidiary or affiliate
thereof, or shall interfere with or restrict in any way the rights of the Surviving Company, Company, Parent or any Subsidiary
or affiliate thereof to discharge or terminate the services of any employee, officer, director or consultant of Company or any
of its Subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in this Agreement shall
be deemed to (i) establish, amend, or modify any Company Benefit Plan, New Plan or any other benefit or employment plan, program,
agreement or arrangement, or (ii) alter or limit the ability of Parent or any of its Subsidiaries or affiliates to amend, modify
or terminate any particular Company Benefit Plan, New Plan or any other benefit or employment plan, program, agreement or arrangement
after the Effective Time. Without limiting the generality of the final sentence of Section 9.11, nothing in this Agreement, express
or implied, is intended to or shall confer upon any person, including any current or former employee, officer, director or consultant
of Company or any of its Subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason
of this Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.8 <U>Indemnification; Directors&rsquo;
and Officers&rsquo; Insurance</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a)
From and after the Effective Time, each of Parent and the Surviving Company shall indemnify and hold harmless, to the fullest
extent permitted by applicable law, each present and former director, officer or employee of Company and its Subsidiaries or fiduciaries
of Company or any of its Subsidiaries under Company Benefit Plans (in each case, when acting in such capacity) (collectively,
the &ldquo;<U>Company Indemnified Parties</U></FONT>&rdquo;) against any costs or expenses (including reasonable attorneys&rsquo;
fees), judgments, fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action, suit,
proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the Effective
Time, arising in whole or in part out of, or pertaining to, (i) the fact that such person is or was a director, officer, employee
or fiduciary of Company or any of its Subsidiaries or under any Company Benefit Plans or (ii) matters, acts or omissions existing
or occurring at or prior to the Effective Time, including matters, acts or omissions occurring in connection with the consideration
and approval of this Agreement and the consummation of the transactions contemplated by this Agreement; and Parent and the Surviving
Company shall also advance expenses as incurred by such Company Indemnified Party to the fullest extent permitted by </P>

<!-- Field: Page; Sequence: 65; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->56<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">applicable law; <U>provided</U>, that the Company Indemnified
Party to whom expenses are advanced provides an undertaking (in a reasonable and customary form) to repay such advances if it
is ultimately determined that such Company Indemnified Party is not entitled to indemnification.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(b)
For a period of six (6) years after the Effective Time, Parent shall maintain in effect the current policies of directors&rsquo;
and officers&rsquo; liability insurance maintained by Company or its Subsidiaries and any similar policies covering fiduciaries
under the Company Benefit Plans (<U>provided</U>, that Parent may substitute therefor policies with a substantially comparable
insurer of at least the same coverage and amounts containing terms and conditions which are no less advantageous to the insured)
with respect to claims against the present and former officers and directors of Company or any of its Subsidiaries arising from
facts or events which occurred at or before the Effective Time (including the transactions contemplated by this Agreement); <U>provided</U>,
<U>however</U>, that Parent shall not be obligated to expend, on an annual basis, an amount in excess of 300% of the current annual
premium paid as of the date hereof by Company for such insurance (the &ldquo;<U>Premium Cap</U></FONT>&rdquo;), and if such premiums
for such insurance would at any time exceed the Premium Cap, then Parent shall cause to be maintained policies of insurance that,
in Parent&rsquo;s good faith determination, provide the maximum coverage available at an annual premium equal to the Premium Cap.
In lieu of the foregoing, Company, in consultation with, but only upon the consent of Parent, may (and at the request of Parent,
Company shall use its reasonable best efforts to) obtain at or prior to the Effective Time a six-year &ldquo;tail&rdquo; policy
under Company&rsquo;s existing directors&rsquo; and officers&rsquo; insurance policy and similar policy covering fiduciaries under
the Company Benefit Plans providing equivalent coverage to that described in the preceding sentence if and to the extent that
the same may be obtained for an amount that, in the aggregate, does not exceed, on an annual basis, the Premium Cap. If a &ldquo;tail
policy&rdquo; is purchased as provided above, Parent shall maintain in full force and effect and not cancel such &ldquo;tail policy&rdquo;.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) The provisions of this Section 6.8
shall survive the Effective Time and are intended to be for the benefit of, and shall be enforceable by, each Company Indemnified
Party and his or her heirs and representatives. If Parent, the Surviving Company or any of their respective successors or assigns
consolidates with or merges into any other entity and is not the continuing or surviving entity of such consolidation or merger,
transfers all or substantially all of its assets or deposits to any other entity or engages in any similar transaction, then in
each case, Parent or the Surviving Company, as applicable, will cause proper provision to be made so that the successors and assigns
of Parent or the Surviving Company will expressly assume the obligations set forth in this Section 6.8. For the avoidance of doubt,
to the extent required by any agreement previously entered into by Company in connection with a merger, acquisition or other business
combination, the provisions of this Section 6.8 shall apply to directors, officers, employees and fiduciaries of predecessor entities
previously acquired by Company or any of its Subsidiaries.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) The obligations of the Surviving
Company, Parent and Company under this Section 6.8 shall not be terminated or modified in a manner so as to adversely affect any
Company Indemnified Party or any other person entitled to the benefit of this Section 6.8 without the prior written consent of
the affected Company Indemnified Party.</P>

<!-- Field: Page; Sequence: 66; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->57<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.9 <U>Additional Agreements</U>. In case
at any time after the Effective Time any further action is necessary or desirable to carry out the purposes of this Agreement
or to vest Parent or the Surviving Company with full title to all properties, assets, rights, approvals, immunities and franchises
of any of the parties to the Mergers, the proper officers and directors of each party to this Agreement and their respective Subsidiaries
shall take, or cause to be taken, all such necessary action as may be reasonably requested by the other party who makes any such
request.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.10 <U>Advice of Changes</U>. Parent and
Company shall each promptly advise the other party of any fact, change, event or circumstance known to it (i) that has had or
is reasonably likely to have, either individually or in the aggregate, a Material Adverse Effect on it or (ii) which it believes
would or would be reasonably likely to cause or constitute a material breach of any of its representations, warranties or covenants
contained herein or that reasonably could be expected to give rise, either individually or in the aggregate, to the failure of
a condition in Article VII; <U>provided</U>, that any failure to give notice in accordance with the foregoing with respect to
any breach shall not be deemed to constitute a violation of this Section 6.10 or the failure of any condition set forth in Section
7.2 or 7.3 to be satisfied, or otherwise constitute a breach of this Agreement by the party failing to give such notice, in each
case unless the underlying breach would independently result in a failure of the conditions set forth in Section 7.2 or 7.3 to
be satisfied.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.11 <U>Dividends</U>. After the date of
this Agreement, each of Parent and Company shall coordinate with the other the declaration of any dividends in respect of Parent
Common Stock and Company Common Stock and the record dates and payment dates relating thereto, it being the intention of the parties
hereto that holders of Company Common Stock shall not receive two dividends, or fail to receive one dividend, in any quarter with
respect to their shares of Company Common Stock and any shares of Parent Common Stock any such holder receives in exchange therefor
in the Merger. In furtherance of the foregoing, (i) starting with the third quarter of 2017, the Company Board shall cause its
regular quarterly dividend record dates and payment dates for Company Common Stock to be similar to the regular quarterly dividend
record dates and payment dates for Parent Common Stock (i.e., Company shall move its dividend record and payment dates for the
third quarter of 2017 to approximately June 9 and July 3, respectively) and (ii) the Parent Board shall thereafter and until the
Effective Time or the termination of this Agreement, only pay dividends on the Parent Common Stock on substantially the same record
and payment date schedules as have been utilized in the past.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.12 <U>Parent Board</U>. Parent shall take
all appropriate action so that, as of the Effective Time, the number of directors constituting the Parent Board shall be increased
by two (2) members, one (1) of whom shall be Mr. R. Eugene Taylor (the current Chairman and Chief Executive Officer of Company)
and one (1) of whom shall be selected by agreement between Company and Parent prior to the Closing from the other members of the
Company Board, in each case, subject to such individuals completing Parent&rsquo;s director and officer questionnaire form, together
with such supporting documentation or other information that Parent may reasonably request.</P>

<!-- Field: Page; Sequence: 67; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->58<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.13 <U>Acquisition Proposals</U>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(a)
Company shall not, and shall cause its Subsidiaries and its and their officers, directors, agents, advisors and representatives
(collectively, &ldquo;<U>Representatives</U></FONT>&rdquo;) not to, directly or indirectly, (i) initiate, solicit, knowingly encourage
or knowingly facilitate inquiries or proposals with respect to, (ii) engage or participate in any negotiations with any person
concerning or (iii) provide any confidential or nonpublic information or data to, or have or participate in any discussions with,
any person relating to, any Acquisition Proposal; <U>provided</U>, that, after the date hereof and prior to the receipt of the
Requisite Company Vote, in the event Company receives an unsolicited <I>bona fide</I> written Acquisition Proposal, it may, and
may permit its Subsidiaries and its and its Subsidiaries&rsquo; Representatives to, furnish or cause to be furnished nonpublic
information or data and participate in such negotiations or discussions to the extent that its Board of Directors concludes in
good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial advisors)
that failure to take such actions would more likely than not result in a violation of its fiduciary duties under applicable law;
<U>provided</U>, <U>further</U>, that, prior to providing any nonpublic information permitted to be provided pursuant to the foregoing
proviso, Company shall have provided such information to Parent, and shall have entered into a confidentiality agreement with
such third party on terms no less favorable to it than the Confidentiality Agreement, which confidentiality agreement shall not
provide such person with any exclusive right to negotiate with Company. Company will, and will cause its Representatives to, immediately
cease and cause to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with
any person other than Parent with respect to any Acquisition Proposal. Company will promptly (and in any event within one (1)
business day) advise Parent following receipt of any Acquisition Proposal or any inquiry which could reasonably be expected to
lead to an Acquisition Proposal, and the substance thereof (including the material terms and conditions of and the identity of
the person making such Acquisition Proposal), and will keep Parent promptly (and in any event within one (1) business day) advised
of any related substantive developments, discussions and negotiations on a current basis, including any amendments to or revisions
of the terms of such inquiry or Acquisition Proposal. Company shall (1) withdraw and terminate access that was granted to any
person (other than the parties to this Agreement and their respective affiliates and representatives) to any &ldquo;data room&rdquo;
(virtual or physical) that was established in connection with a transaction involving Company and (2) use its reasonable best
efforts, subject to applicable law and the fiduciary duties of the Company Board, to enforce any existing confidentiality or (to
the extent separate from a confidentiality agreement) standstill agreements to which it or any of its Subsidiaries is a party
in accordance with the terms thereof and, in accordance therewith, cause any person (other than a party to this Agreement, its
affiliates and representatives) to return or destroy non-public information regarding Company or any of its affiliates in connection
with a potential transaction involving Company. During the term of this Agreement, Company shall not, and shall cause its Subsidiaries
and its and their officers, directors, agents, advisors and representatives not to on its behalf, enter into any binding acquisition
agreement, merger agreement, or other definitive transaction agreement (other than a confidentiality agreement referred to and
entered into in accordance with this Section <FONT STYLE="color: black">6.13(a)</FONT>) relating to any Acquisition Proposal.
As used in this Agreement, &ldquo;<U>Acquisition Proposal</U>&rdquo; shall mean, other than the transactions contemplated by this
Agreement, any offer or proposal relating to, or any third party indication of interest in, (i) any acquisition or purchase, direct
or indirect, of 25% or more of the consolidated assets of Company and its Subsidiaries or 25% or more of any class of equity or
</P>

<!-- Field: Page; Sequence: 68; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->59<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">voting securities of Company or its Subsidiaries whose assets, either individually or in the aggregate, constitute more than 25%
of the consolidated assets of Company, (ii) any tender offer or exchange offer that, if consummated, would result in such third
party beneficially owning more than 25% of any class of equity or voting securities of Company or its Subsidiaries whose assets,
either individually or in the aggregate, constitute more than 25% of the consolidated assets of Company, or (iii) a merger, consolidation,
share exchange or other business combination, reorganization involving Company or its Subsidiaries whose assets, either individually
or in the aggregate, constitute more than 25% of the consolidated assets of Company, except, in each case, any sale of whole loans
and securitizations in the ordinary course of business and any <I>bona fide</I> internal reorganization.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Nothing contained in this Agreement
shall prevent Company or its Board of Directors from complying with Rule 14d-9 and Rule 14e-2 under the Exchange Act or otherwise
complying with its disclosure obligations under applicable law with regard to an Acquisition Proposal; <U>provided</U>, that such
Rules will in no way eliminate or modify the effect that any action pursuant to such Rules would otherwise have under this Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.14 <U>Public Announcements</U>. Company
and Parent shall each use their reasonable best efforts (a) to develop a joint communications plan, (b) to ensure that all press
releases and other public statements with respect to the transactions contemplated hereby shall be consistent with such joint
communications plan, and (c) except in respect of any announcement required by (i) applicable law or regulation, (ii) a request
by a Governmental Entity, (iii) communications that are substantially similar to communications previously approved pursuant to
this Section 6.14, (iv) communications permitted by Section 6.3 or Section 6.13 or (v) an obligation pursuant to any listing agreement
with or rules of any securities exchange, Company and Parent agree to consult with each other and to obtain the advance approval
of the other party (which approval shall not be unreasonably withheld, conditioned or delayed) before issuing any press release
or, to the extent practical, otherwise making any public statement with respect to this Agreement or the transactions contemplated
hereby.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.15 <U>Change of Method</U>. Parent may
at any time change the method of effecting the Mergers if and to the extent requested by Parent, and Company agrees to enter into
such amendments to this Agreement as Parent may reasonably request in order to give effect to such restructuring; <U>provided</U>,
<U>however</U>, that no such change or amendment shall (i) alter or change the amount or kind of the Merger Consideration provided
for in this Agreement, (ii) adversely affect the Tax treatment of the Mergers with respect to Company&rsquo;s stockholders or
(iii) be reasonably likely to cause the Closing to be materially delayed or the receipt of the Requisite Regulatory Approvals
to be prevented or materially delayed.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.16 <U>Restructuring Efforts</U>. If either
Company or Parent shall have failed to obtain the Requisite Company Vote or the Requisite Parent Vote at the duly convened Company
Meeting or Parent Meeting, as applicable, or any adjournment or postponement thereof, each of the parties shall in good faith
use its reasonable best efforts to negotiate a restructuring of the transaction contemplated by this Agreement (<U>provided</U>,
<U>however</U>, that no party shall have any obligation to agree to (i) alter or change any material term of this Agreement, including
the amount or kind of the Merger Consideration, in a manner adverse to such party or its stockholders/shareholders or (ii) adversely
affect the Tax treatment of the Mergers with respect </P>

<!-- Field: Page; Sequence: 69; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->60<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">to Company&rsquo;s stockholders) and/or resubmit this Agreement or the transactions
contemplated hereby (or as restructured pursuant to this Section 6.16) to its stockholders/shareholders for approval or adoption.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.17 <U>Takeover Statutes</U>. Neither Company
nor Parent shall take any action that would cause any Takeover Statute to become applicable to this Agreement, the Merger, or
any of the other transactions contemplated hereby, and each of Parent and Company shall take all necessary steps to exempt (or
ensure the continued exemption of) the Merger and the other transactions contemplated hereby from any applicable Takeover Statute
now or hereafter in effect. If any Takeover Statute may become, or may purport to be, applicable to the transactions contemplated
hereby, each of Parent and Company will grant such approvals and take such actions as are necessary so that the transactions contemplated
by this Agreement may be consummated as promptly as practicable on the terms contemplated hereby and otherwise act to eliminate
or minimize the effects of any Takeover Statute on any of the transactions contemplated by this Agreement, including, if necessary,
challenging the validity or applicability of any such Takeover Statute.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.18 <U>Exemption from Liability Under Section
16(b)</U>. Company and Parent agree that, in order to most effectively compensate and retain those officers and directors of Company
subject to the reporting requirements of Section 16(a) of the Exchange Act (the &ldquo;<U>Company Insiders</U>&rdquo;), both prior
to and after the Effective Time, it is desirable that Company Insiders not be subject to a risk of liability under Section 16(b)
of the Exchange Act to the fullest extent permitted by applicable law in connection with the conversion of shares of Company Common
Stock and Company Equity Awards in the Merger, and for that compensatory and retentive purpose agree to the provisions of this
Section 6.18. The Boards of Directors of Parent and of Company, or a committee of non-employee directors thereof (as such term
is defined for purposes of Rule 16b-3(d) under the Exchange Act), shall reasonably promptly after the date of this Agreement,
and in any event prior to (i) the Effective Time, take all such steps as may be necessary or appropriate to cause (x) any dispositions
of Company Common Stock or Company Equity Awards and (y) any acquisitions of Parent Common Stock, in each case pursuant to the
transactions contemplated by this Agreement and by any Company Insiders who, immediately following the Merger, will be officers
or directors of Parent or of the Surviving Company subject to the reporting requirements of Section 16(a) of the Exchange Act,
to be exempt from liability pursuant to Rule 16b-3 under the Exchange Act to the fullest extent permitted by applicable law.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.19 <U>Litigation and Claims</U>. Each
of Parent and Company shall promptly notify the other party in writing of any action, arbitration, audit, hearing, investigation,
litigation, suit, subpoena or summons issued, commenced, brought, conducted or heard by or before, or otherwise involving, any
Governmental Entity or arbitrator pending or, to the knowledge of Parent or Company, as applicable, threatened against Parent,
Company or any of their respective Subsidiaries that (a) questions or would reasonably be expected to question the validity of
this Agreement or the other agreements contemplated hereby or thereby or any actions taken or to be taken by Parent, Company,
or their respective Subsidiaries with respect hereto or thereto, or (b) seeks to enjoin or otherwise restrain the transactions
contemplated hereby or thereby. Company shall give Parent the opportunity to participate at its own expense in the defense or
settlement of any stockholder litigation against Company and/or its directors or affiliates relating to the transactions contemplated
by this Agreement, and no such settlement shall be agreed without </P>

<!-- Field: Page; Sequence: 70; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->61<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Parent&rsquo;s prior written consent (such consent not to be
unreasonably withheld, conditioned or delayed).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.20 <U>Assumption of Company Debt</U>.
Parent agrees to execute and deliver, or cause to be executed and delivered, by or on behalf of Parent, the Surviving Company
or Parent Bank (as the case may be), at or prior to the Second Effective Time or at or prior to the effective time for the Bank
Merger for any debt of Company Bank, one or more supplemental indentures, guarantees, and other instruments required for the due
assumption of Company&rsquo;s or Company Bank&rsquo;s outstanding debt, guarantees, securities, and other agreements to the extent
required by the terms of such debt, guarantees, securities, and other agreements.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.21 <U>No Control of Other Party&rsquo;s
Business</U>. Nothing contained in this Agreement shall give Parent, directly or indirectly, the right to control or direct the
operations of Company or its Subsidiaries prior to the Effective Time, and nothing contained in this Agreement shall give Company,
directly or indirectly, the right to control or direct the operations of Parent or its Subsidiaries prior to the Effective Time.
Prior to the Effective Time, each of Parent and Company shall exercise, consistent with the terms and conditions of this Agreement,
complete control and supervision over its and its Subsidiaries&rsquo; respective operations.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.22 <U>Company Bank Pre-Closing Dividend</U>.
Company shall use its reasonable best efforts to cause Company Bank to prepare and file any applications, notices and filings
required by Company&rsquo;s or Company Bank&rsquo;s federal or state regulatory agencies to permit Company Bank to make a distribution
of cash in an amount requested by Parent (which amount may not exceed the amount of the aggregate Cash Consideration) to Company
immediately prior to the Effective Time. If Parent so requests no later than twenty (20) business days prior to the anticipated
Closing Date, Company shall use its reasonable best efforts to cause Company Bank to make a distribution of cash in an amount
requested by Parent (which amount may not exceed the lesser of (x) the amount of cash Company Bank may, in Company&rsquo;s reasonable
determination, distribute to Company based on its available cash on hand and (y) the amount, if any, previously approved by Company&rsquo;s
and Company Bank&rsquo;s federal or state regulatory agencies) to Company immediately prior to the Effective Time. In no event
shall the making of such distribution or the receipt of any regulatory approval contemplated by this Section 6.22 be a condition
to or delay the Closing.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.23 <U>Company Cooperation</U>. Company
shall cooperate by executing and delivering representations contained in certificates of officers of Company, reasonably satisfactory
in form and substance to Company&rsquo;s and Parent&rsquo;s counsel, in connection with (i) any tax opinion or description of
the U.S. federal income tax consequences of the Mergers contained or set forth in the Form S-4 and (ii) the tax opinions referenced
in Section 7.2(c) or Section 7.3(c).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">6.24 <U>Parent Cooperation</U>. Parent shall
cooperate by executing and delivering representations contained in certificates of officers of Parent and Merger Sub, reasonably
satisfactory in form and substance to Company&rsquo;s and Parent&rsquo;s counsel, in connection with (i) any tax opinion or description
of the U.S. federal income tax consequences of the Mergers contained or set forth in the Form S-4 and (ii) the tax opinions referenced
in Section 7.2(c) or Section 7.3(c).</P>

<!-- Field: Page; Sequence: 71; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->62<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&nbsp;VII</B></FONT><BR>
<BR>
Conditions Precedent</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7.1
<U>Conditions to Each Party&rsquo;s Obligation to Effect the Merger</U></FONT>. The respective obligations of the parties
to effect the Merger shall be subject to the satisfaction at or prior to the Effective Time of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) <U>Stockholder/Shareholder Approval</U>.
Each of the Requisite Company Vote and the Requisite Parent Vote shall have been obtained.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) <U>Stock Exchange Listing</U>. The shares
of Parent Common Stock that shall be issuable pursuant to this Agreement shall have been authorized for listing on the NYSE subject
to official notice of issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) <U>S-4</U>. The S-4 shall have become
effective under the Securities Act and no stop order suspending the effectiveness of the S-4 shall have been issued and no proceedings
for that purpose shall have been initiated or threatened by the SEC and not withdrawn.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) <U>No Injunctions or Restraints; Illegality</U>.
No order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraint or prohibition
preventing the consummation of the Merger or the Bank Merger shall be in effect. No statute, rule, regulation, order, injunction
or decree shall have been enacted, entered, promulgated or enforced by any Governmental Entity which prohibits or makes illegal
consummation of the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(e)
<U>Regulatory Approvals</U>. All regulatory authorizations, consents, orders or approvals (x) from the Federal Banking Agencies,
(y) required under the HSR Act, if any, and (z) set forth in Sections 3.4 and 4.4 which are necessary to consummate the transaction
contemplated by this Agreement, including the Mergers and the Bank Merger, or those the failure of which to be obtained would
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent or the
Surviving Company, shall have been obtained and shall remain in full force and effect and all statutory waiting periods in respect
thereof shall have expired (such approvals and the expiration of such waiting periods being referred to herein as the &ldquo;<U>Requisite
Regulatory Approvals</U></FONT>&rdquo;); and (ii) no such Requisite Regulatory Approval shall contain or impose any Materially
Burdensome Regulatory Condition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7.2
<U>Conditions to Obligations of </U></FONT><U>Parent and Merger Sub</U>. The obligation of Parent and Merger Sub to effect the
Merger is also subject to the satisfaction, or waiver by Parent, at or prior to the Effective Time, of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) <U>Representations and Warranties</U>.
The representations and warranties of Company set forth in (i) Sections 3.2(a), 3.7 and 3.8(a) (in each case after giving effect
to the lead-in to Article&nbsp;III) shall be true and correct (other than, in the case of Section&nbsp;3.2(a), such failures to
be true and correct as are insignificant) in each case as of the date of this Agreement and (except to the extent such representations
and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, and (ii) in Sections
3.1(a), 3.1(b) (with respect to Significant Subsidiaries only) and 3.3(a) (in each case, after giving effect to the</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"></P>

<!-- Field: Page; Sequence: 72; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->63<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">lead-in to Article&nbsp;III) shall be true
and correct in all material respects as of the date of this Agreement and (except to the extent such representations and warranties
speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date. All other representations and
warranties of Company set forth in this Agreement (read without giving effect to any qualification as to materiality or Material
Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to Article&nbsp;III)
shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and
warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <U>provided</U>,
<U>however</U>, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct
unless the failure or failures of such representations and warranties to be so true and correct, and without giving effect to
any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Company or the
Surviving Company. Parent shall have received a certificate signed on behalf of Company by the Chief Executive Officer and the
Chief Financial Officer of Company to the foregoing effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) <U>Performance of Obligations of Company</U>.
Company shall have performed in all material respects the obligations required to be performed by it under this Agreement at or
prior to the Closing Date, and Parent shall have received a certificate signed on behalf of Company by the Chief Executive Officer
and the Chief Financial Officer of Company to such effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) <U>Federal Tax Opinion</U>. Parent shall
have received the opinion of Sullivan &amp; Cromwell LLP (or other counsel to Parent reasonably acceptable to Company), in form
and substance reasonably satisfactory to Parent, dated as of the Closing Date, to the effect that, on the basis of facts, representations
and assumptions set forth or referred to in such opinion, the Mergers, taken together, will qualify as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a) of the Code. In rendering such opinion, counsel may require and rely upon representations
contained in certificates of officers of Parent, Company, and Merger Sub, reasonably satisfactory in form and substance to such
counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">7.3
<U>Conditions to Obligations of </U></FONT><U>Company</U>. The obligation of Company to effect the Merger is also subject to the
satisfaction or waiver by Company at or prior to the Effective Time of the following conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) <U>Representations and Warranties</U>.
The representations and warranties of Parent set forth in (i) Sections 4.2(a), 4.7 and 4.8(a) (in each case, after giving effect
to the lead-in to Article&nbsp;IV) shall be true and correct (other than, in the case of Section&nbsp;4.2(a), such failures to
be true and correct as are insignificant) in each case as of the date of this Agreement and (except to the extent such representations
and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, and (ii) Sections
4.1(a), 4.1(b) (with respect to Significant Subsidiaries only), 4.2(c) and 4.3(a) (in each case, after giving effect to the lead-in
to Article&nbsp;IV) shall be true and correct in all material respects as of the date of this Agreement and (except to the extent
such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing
Date. All other representations and warranties of Parent set forth in this Agreement (read without giving effect to</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"></P>

<!-- Field: Page; Sequence: 73; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->64<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">any qualification as to materiality or Material
Adverse Effect set forth in such representations or warranties but, in each case, after giving effect to the lead-in to Article&nbsp;IV)
shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and
warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <U>provided</U>,
<U>however</U>, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct
unless the failure or failures of such representations and warranties to be so true and correct, and without giving effect to
any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would
reasonably be likely to have, either individually or in the aggregate, a Material Adverse Effect with respect to Parent. Company
shall have received a certificate signed on behalf of Parent by the Chief Executive Officer and the Chief Financial Officer of
Parent to the foregoing effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) <U>Performance of Obligations of Parent</U>.
Parent shall have performed in all material respects the obligations required to be performed by it under this Agreement at or
prior to the Closing Date, and Company shall have received a certificate signed on behalf of Parent by the Chief Executive Officer
and the Chief Financial Officer of Parent to such effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(c) <U>Federal Tax Opinion</U>. Company
shall have received the opinion of Wachtell, Lipton, Rosen and Katz (or other counsel to Company reasonably acceptable to Parent),
in form and substance reasonably satisfactory to Company, dated as of the Closing Date, to the effect that, on the basis of facts,
representations and assumptions set forth or referred to in such opinion, the Mergers, taken together, will qualify as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a) of the Code. In rendering such opinion, counsel may require and rely upon representations
contained in certificates of officers of Parent, Merger Sub, and Company, reasonably satisfactory in form and substance to such
counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&nbsp;VIII</B></FONT><BR>
<BR>
Termination</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8.1
<U>Termination</U></FONT>. This Agreement may be terminated at any time prior to the Effective Time, whether before or after adoption
of this Agreement by the stockholders of Company:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) by mutual consent of Parent and Company
in a written instrument;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) by either Parent or Company if any Governmental
Entity that must grant a Requisite Regulatory Approval has denied approval of the Merger or the Bank Merger and such denial has
become final and nonappealable or any Governmental Entity of competent jurisdiction shall have issued a final nonappealable order,
injunction or decree permanently enjoining or otherwise prohibiting or making illegal the consummation of the Merger or the Bank
Merger, unless the failure to obtain a Requisite Regulatory Approval shall be due to the failure of the party seeking to terminate
this Agreement to perform or observe the covenants and agreements of such party set forth herein;</P>

<!-- Field: Page; Sequence: 74; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->65<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(c)
by either Parent or Company if the Merger shall not have been consummated on or before the first anniversary of the date of this
Agreement (the &ldquo;<U>Termination Date</U></FONT>&rdquo;), unless the failure of the Closing to occur by such date shall be
due to the failure of the party seeking to terminate this Agreement to perform or observe the covenants and agreements of such
party set forth herein;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(d) by either Parent or Company (<U>provided</U>,
that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained
herein) if there shall have been a breach of any of the covenants or agreements or any of the representations or warranties (or
any such representation or warranty shall cease to be true) set forth in this Agreement on the part of Company, in the case of
a termination by Parent, or Parent, in the case of a termination by Company, which breach or failure to be true, either individually
or in the aggregate with all other breaches by such party (or failures of such representations or warranties to be true), would
constitute, if occurring or continuing on the Closing Date, the failure of a condition set forth in Section&nbsp;7.2 or Section&nbsp;7.3,
as the case may be, and which is not cured within the earlier of the Termination Date and forty-five (45) days following written
notice to Company, in the case of a termination by Parent, or Parent, in the case of a termination by Company, or by its nature
or timing cannot be cured during such period; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(e)
by Parent, if (i) prior to such time as the Requisite Company Vote is obtained, Company or the Company Board (A) effects an Adverse
Recommendation Change or (B)&nbsp;materially breaches its obligations under Section&nbsp;6.3 or Section&nbsp;6.13; or (ii) a tender
offer or exchange offer for 20% or more of the outstanding shares of Company Common Stock is commenced (other than by Parent or
a Subsidiary thereof), and the Company Board recommends that the stockholders of Company tender their shares in such tender or
exchange offer or otherwise fails to recommend that such stockholders reject such tender offer or exchange offer within the ten
(10) business day period specified in Rule 14e-2(a) under the Exchange Act</FONT>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">The party desiring to terminate this Agreement pursuant to
clause (b), (c), (d), or (e) of this Section&nbsp;8.1 shall give written notice of such termination to the other party in accordance
with Section&nbsp;9.5, specifying the provision or provisions hereof pursuant to which such termination is effected.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">8.2
<U>Effect of Termination</U></FONT>. </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) In the event of termination of this
Agreement by either Parent or Company as provided in Section&nbsp;8.1, this Agreement shall forthwith become void and have no
effect, and none of Parent, Company, any of their respective Subsidiaries or any of the officers or directors of any of them shall
have any liability of any nature whatsoever hereunder, or in connection with the transactions contemplated hereby, except that
(i) Section&nbsp;3.7, Section&nbsp;4.7, Section&nbsp;6.2(b) and this Section&nbsp;8.2 and Article&nbsp;IX (and any relevant definitions)
shall survive any termination of this Agreement, and (ii) notwithstanding anything to the contrary contained in this Agreement,
neither Parent nor Company shall be relieved or released from any liabilities or damages arising out of its fraud or willful and
material breach of any provision of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(i)
In the event that after the date of this Agreement and prior to the termination of this Agreement, a <I>bona fide </I></FONT>Acquisition
Proposal shall have been made</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt"></P>

<!-- Field: Page; Sequence: 75; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->66<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; ">known to senior management of Company or shall have
been made directly to its stockholders generally or any person shall have publicly announced (and not withdrawn) a <I>bona fide
</I>Acquisition Proposal with respect to Company and (A) thereafter this Agreement is terminated by either Parent or Company pursuant
to Section&nbsp;8.1(c) without the Requisite Company Vote having been obtained or (B) thereafter this Agreement is terminated
by Parent pursuant to Section&nbsp;8.1(d), and (C) prior to the date that is twelve (12) months after the date of such termination,
Company enters into a definitive agreement or consummates a transaction with respect to an Acquisition Proposal (whether or not
the same Acquisition Proposal as that referred to above), then, if such transaction is consummated, Company shall, on the earlier
of the date it entered into such definitive agreement or the date of consummation of such transaction, pay Parent, by wire transfer
of same day funds, a fee equal to $85,000,000 (the &ldquo;<U>Termination Fee</U>&rdquo;); <U>provided</U>, that for purposes of
this Section&nbsp;8.2(a)(i), all references in the definition of Acquisition Proposal to &ldquo;25%&rdquo; shall instead refer
to &ldquo;50%&rdquo;.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">(ii) In the event that this Agreement
is terminated by Parent pursuant to Section&nbsp;8.1(e), then Company shall pay Parent, by wire transfer of same day funds, the
Termination Fee as promptly as reasonably practicable after the date of termination (and in any event, within three (3) business
days thereafter).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) Notwithstanding anything in this Agreement
to the contrary, but without limiting the right of any party to recover liabilities or damages, the maximum aggregate amount of
fees payable by Company under this Section&nbsp;8.2 shall be equal to the Termination Fee. In no event shall Company be required
to pay the Termination Fee on more than one occasion.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(c)
Each of Parent and Company acknowledges that the agreements contained in this Section&nbsp;8.2 are an integral part of the transactions
contemplated by this Agreement, and that, without these agreements, the other party would not enter into this Agreement; accordingly,
if Company fails promptly to pay the amount due pursuant to this Section&nbsp;8.2, and, in order to obtain such payment, Parent
commences a suit which results in a judgment against Company for the Termination Fee or any portion thereof, Company shall pay
the costs and expenses of Parent (including reasonable attorneys&rsquo; fees and expenses) in connection with such suit. In addition,
if Company fails to pay the amounts payable pursuant to this Section&nbsp;8.2, then Company shall pay interest on such overdue
amounts (for the period commencing as of the date that such overdue amount was originally required to be paid and ending on the
date that such overdue amount is actually paid in full) at a rate per annum equal to the &ldquo;prime rate&rdquo; (as announced
by JPMorgan Chase &amp; Co. or any successor thereto) in effect on the date on which such payment was required to be made for
the period commencing as of the date that such overdue amount was originally required to be paid.</FONT> The amounts payable by
Company pursuant to Section&nbsp;8.2(a)(i) constitute liquidated damages and not a penalty, and, except in the case of fraud or
willful and material breach, shall be the sole monetary remedy of Parent in the event of a termination of this Agreement specified
in such section.</P>
<!-- Field: Page; Sequence: 76; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->67<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif; text-transform: uppercase"><B>Article&nbsp;IX</B></FONT></p>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>


<P STYLE="font: small-caps bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif"><B>General
P</B></FONT>rovisions</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.1
<U>Nonsurvival of Representations, Warranties and Agreements</U></FONT>. None of the representations, warranties, covenants and
agreements in this Agreement or in any instrument delivered pursuant to this Agreement (other than the Confidentiality Agreement,
which shall survive in accordance with its terms) shall survive the Effective Time, except for Section&nbsp;6.8 and for those
other covenants and agreements contained herein and therein which by their terms apply or are to be performed in whole or in part
after the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.2
<U>Amendment</U></FONT>. Subject to compliance with applicable law, this Agreement may be amended by the parties hereto, by action
taken or authorized by their respective Boards of Directors, at any time before or after approval of the matters presented in
connection with the Merger by the stockholders of Company; <U>provided</U>, <U>however</U>, that after the adoption of this Agreement
by the stockholders/shareholders of Company or Parent, there may not be, without further approval of such stockholders/shareholders,
any amendment of this Agreement that requires further approval under applicable law. This Agreement may not be amended, modified
or supplemented in any manner, whether by course of conduct or otherwise, except by an instrument in writing specifically designated
as an amendment hereto, signed on behalf of each of the parties in interest at the time of the amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.3
<U>Extension; Waiver</U></FONT>. At any time prior to the Effective Time, the parties hereto, may, to the extent legally allowed,
(a) extend the time for the performance of any of the obligations or other acts of the other parties hereto, (b) waive any inaccuracies
in the representations and warranties contained herein or in any document delivered pursuant hereto, and (c) waive compliance
with any of the agreements or satisfaction of any conditions contained herein; <U>provided</U>, <U>however</U>, that after adoption
of this Agreement by the stockholders/shareholders of Company or Parent, there may not be, without further approval of such stockholders/shareholders,
any extension or waiver of this Agreement or any portion thereof that requires further approval under applicable law. Any agreement
on the part of a party hereto to any such extension or waiver shall be valid only if set forth in a written instrument signed
on behalf of such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant,
agreement or condition shall not operate as a waiver of, or estoppel with respect to, any subsequent or other failure.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.4
<U>Expenses</U></FONT>. Except (i) with respect to costs and expenses of printing and mailing the Joint Proxy Statement and all
filing and other fees paid to the SEC in connection with the Merger, which shall be borne equally by Parent and Company, (ii)
with respect to costs and expenses of all filing and other fees in connection with any filing under the HSR Act, which shall be
borne by Parent and (iii) as otherwise provided in Section&nbsp;8.2, all fees and expenses incurred in connection with this Agreement
and the transactions contemplated hereby shall be paid by the party incurring such fees or expenses, whether or not the Merger
is consummated.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.5
<U>Notices</U></FONT>. All notices and other communications hereunder shall be in writing and shall be deemed duly given (a) on
the date of delivery if delivered personally, or if by facsimile or email, upon confirmation (whether written or oral) of receipt,
(b) on the first (1st)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"></P>

<!-- Field: Page; Sequence: 77; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->68<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">business day following the date of dispatch
if delivered utilizing a next-day service by a recognized next-day courier or (c)&nbsp;on the earlier of confirmed receipt or
the fifth (5th) business day following the date of mailing if delivered by registered or certified mail, return receipt requested,
postage prepaid. All notices hereunder shall be delivered to the addresses set forth below, or pursuant to such other instructions
as may be designated in writing by the party to receive such notice:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">If to Company, to:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 30%">&nbsp;</TD>
    <TD STYLE="width: 8%">&nbsp;</TD>
    <TD STYLE="width: 62%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Capital Bank Financial Corp.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">4725 Piedmont Row Drive Suite 110 </FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Charlotte, NC&nbsp;&nbsp;28210</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD NOWRAP><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Attention: &nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Christopher G. Marshall</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Facsimile: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">704-554-6909</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">E-mail: &nbsp;&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">cmarshall@cbfcorp.com</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Wachtell, Lipton, Rosen &amp; Katz</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">51 West 52nd Street</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">New York, NY&nbsp;&nbsp;10019</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Attention: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">David E. Shapiro</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Mark F. Veblen</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Facsimile: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">212-403-2000</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">E-mail:  </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">deshapiro @wlrk.com / mfveblen@wlrk.com</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">and</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">If to Parent or Merger Sub, to:</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">First Horizon National Corporation</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">165 Madison Ave. 23<SUP>rd</SUP> Floor</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Memphis, TN 38103</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Attention: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">William C. Losch III</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Facsimile: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">901-523-4651</FONT></TD></TR>

<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">E-mail:  </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">wclosch@firsthorizon.com</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif"><I>With a copy (which shall not constitute notice) to:</I></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Sullivan&nbsp;&amp; Cromwell LLP</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">125 Broad Street</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">New York, NY 10004</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Attention: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">H. Rodgin Cohen</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">&nbsp;</FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Mitchell S. Eitel</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Facsimile: </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">212-291-9028 / 212-291-9046</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">E-mail:  </FONT></TD>
    <TD><FONT STYLE="font: 12pt Times New Roman, Times, Serif">cohenhr@sullcrom.com / eitelm@sullcrom.com</FONT></TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 78; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->69<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.6
<U>Interpretation</U></FONT><U>.</U> The parties have participated jointly in negotiating and drafting this Agreement. In the
event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly
by the parties, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship
of any provision of this Agreement. When a reference is made in this Agreement to Articles, Sections, Exhibits or Schedules, such
reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated. The table
of contents and headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning
or interpretation of this Agreement. Whenever the words &ldquo;include,&rdquo; &ldquo;includes&rdquo; or &ldquo;including&rdquo;
are used in this Agreement, they shall be deemed to be followed by the words &ldquo;without limitation&rdquo;. References to &ldquo;the
date hereof&rdquo; shall mean the date of this Agreement. Whenever the words &ldquo;in the ordinary course of business&rdquo;
are used in this Agreement, they shall be deemed to be followed by the words &ldquo;consistent with past practice&rdquo;. References
to &ldquo;the date hereof&rdquo; shall mean the date of this Agreement As used in this Agreement, the &ldquo;<U>knowledge</U>&rdquo;
of Company means the actual knowledge, after reasonable investigation, of any of the officers of Company listed on Section&nbsp;9.6
of the Company Disclosure Schedule, and the &ldquo;<U>knowledge</U>&rdquo; of Parent means the actual knowledge, after reasonable
investigation, of any of the officers of Parent listed on Section&nbsp;9.6 of the Parent Disclosure Schedule. As used herein,
(i) &ldquo;<U>business day</U>&rdquo; means any day other than a Saturday, a Sunday or a day on which Federal Reserve Bank of
New York is closed for business, (ii) the term &ldquo;<U>person</U>&rdquo; means any individual, corporation (including not&#45;for&#45;profit),
general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental
Entity or other entity of any kind or nature, (iii) the term &ldquo;<U>affiliate</U>&rdquo; shall have the same meaning as set
forth in the BHC Act and (iv) the term &ldquo;<U>made available</U>&rdquo; means any document or other information that was (a)
provided by one party or its representatives to the other party and its representatives prior to the time of the execution and
delivery of this Agreement or (b) included in the virtual data room of a party at least twenty-four (24) hours prior to the time
of the execution and delivery of this Agreement. The Company Disclosure Schedule and the Parent Disclosure Schedule, as well as
all other schedules and all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement.
All references to &ldquo;dollars&rdquo; or &ldquo;$&rdquo; in this Agreement are to United States dollars. Any reference to state
and federal laws and regulations shall be read to include any amendments thereto from time to time (and, in the case of statutes,
include any rules and regulations promulgated under the statute) and references to any section of any statute or regulation include
any successor to such section. This Agreement shall not be interpreted or construed to require any person to take any action,
or fail to take any action, if to do so would violate any applicable law. No disclosure, representation or warranty shall be required
to be made (or any other action taken) pursuant to this Agreement that would involve the disclosure of confidential supervisory
information of a Governmental Entity by any party hereto to the extent prohibited by applicable law, and, to the extent legally
permissible, appropriate substitute disclosures or actions shall be made or taken under circumstances in which the limitations
of this sentence apply. This Agreement is the product of negotiation by the parties, having the assistance of counsel and other
advisers. The parties intend that this Agreement not be construed more strictly with regard to one party than with regard to the
other.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.7
<U>Counterparts</U></FONT><U>.</U> This Agreement may be executed in two or more counterparts (including by facsimile or other
electronic means), all of which shall be considered one and the same agreement and shall become effective when counterparts have
been signed by</P>

<!-- Field: Page; Sequence: 79; Value: 1 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->70<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">each of the parties and delivered to the other parties, it
being understood that all parties need not sign the same counterpart.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.8
<U>Entire Agreement</U></FONT>. This Agreement (including the documents and the instruments referred to herein) together with
the Confidentiality Agreement constitutes the entire agreement among the parties and supersedes all prior agreements and understandings,
both written and oral, among the parties with respect to the subject matter hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">9.9 <U>Governing Law; Jurisdiction</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) The execution, interpretation, and performance
of this Agreement shall be governed by the laws of the State of Delaware without giving effect to any conflict of laws provision
or rule (whether of the State of Delaware or any other jurisdiction) that would cause the application of the law of any other
jurisdiction other than the State Delaware.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">(b)
Each party agrees that it will bring any action or proceeding in respect of any claim arising out of or related to this Agreement
or the transactions contemplated hereby exclusively in any federal or state court of competent jurisdiction located in the state
of Delaware (the &ldquo;<U>Chosen Courts</U></FONT>&rdquo;), and, solely in connection with claims arising under this Agreement
or the transactions that are the subject of this Agreement, (i) irrevocably submits to the exclusive jurisdiction of the Chosen
Courts, (ii) waives any objection to laying venue in any such action or proceeding in the Chosen Courts, (iii) waives any objection
that the Chosen Courts are an inconvenient forum or do not have jurisdiction over any party and (iv)&nbsp;agrees that service
of process upon such party in any such action or proceeding will be effective if notice is given in accordance with Section&nbsp;9.5.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.10
<U>Waiver of Jury Tria</U>l</FONT>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT
IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES,
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION
OR OTHER PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS
AGREEMENT. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT: (I) NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED,
EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY SUIT, ACTION OR OTHER PROCEEDING, SEEK TO ENFORCE
THE FOREGOING WAIVER, (II) EACH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (III) EACH PARTY MAKES THIS
WAIVER VOLUNTARILY, AND (IV) EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS
AND CERTIFICATIONS IN THIS SECTION 9.10.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.11
<U>Assignment; Third-Party Beneficiaries</U></FONT>. Neither this Agreement nor any of the rights, interests or obligations shall
be assigned by any of the parties hereto (whether by operation of law or otherwise) without the prior written consent of the other
party. Any</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"></P>

<!-- Field: Page; Sequence: 80; Options: NewSection; Value: 71 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->71<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0">purported assignment in contravention hereof
shall be null and void. Subject to the preceding sentence, this Agreement will be binding upon, inure to the benefit of and be
enforceable by the parties and their respective successors and assigns. Except as otherwise specifically provided in Section&nbsp;6.8,
which is intended to benefit each Company Indemnified Party and his or her heir and representatives, this Agreement (including
the documents and instruments referred to herein) is not intended to and does not confer upon any person other than the parties
hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth herein.
The representations and warranties in this Agreement are the product of negotiations among the parties hereto and are for the
sole benefit of the parties. Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto
in accordance herewith without notice or liability to any other person. In some instances, the representations and warranties
in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless
of the knowledge of any of the parties hereto. Consequently, persons other than the parties may not rely upon the representations
and warranties in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as
of any other date. Except as provided in Section&nbsp;6.8, notwithstanding any other provision in this Agreement to the contrary,
no consent, approval or agreement of any third-party beneficiary will be required to amend, modify or waive any provision of this
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.12
<U>Specific Performance</U></FONT>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement
were not performed in accordance with its specific terms or were otherwise breached. Accordingly, the parties shall be entitled
to specific performance of the terms of this Agreement, including an injunction or injunctions to prevent breaches of this Agreement
or to enforce specifically the performance of the terms and provisions hereof (including the parties&rsquo; obligation to consummate
the Merger), in addition to any other remedy to which they are entitled at law or in equity. Each of the parties hereby further
waives (a) any defense in any action for specific performance that a remedy at law would be adequate and (b) any requirement under
any law to post security or a bond as a prerequisite to obtaining equitable relief.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.13
<U>Severability</U></FONT>. Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted
in such manner as to be effective and valid under applicable law, but if any provision or portion of any provision of this Agreement
is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule in any jurisdiction, such invalidity,
illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and this
Agreement shall be reformed, construed and enforced in such jurisdiction such that the invalid, illegal or unenforceable provision
or portion thereof shall be interpreted to be only so broad as is enforceable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">9.14 <U>Delivery
by Facsimile or Electronic Transmission</U></FONT>. This Agreement and any signed agreement or instrument entered into in
connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means
of a facsimile machine or by e&#45;mail delivery of a &ldquo;.pdf&rdquo; format data file, shall be treated in all manner and
respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it
were the original signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall
raise the use of a facsimile machine or e&#45;mail</P>

<!-- Field: Page; Sequence: 81; Value: 71 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->72<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">delivery of a &ldquo;.pdf&rdquo; format data file to deliver
a signature to this Agreement or any amendment hereto, or to any agreement or instrument entered into pursuant to or in connection
with this Agreement or the fact that any signature or agreement or instrument was transmitted or communicated through the use
of a facsimile machine or e&#45;mail delivery of a &ldquo;.pdf&rdquo; format data file as a defense to the formation of a contract
and each party hereto forever waives any such defense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><I>[Signature Page Follows]</I></P>

<!-- Field: Page; Sequence: 82; Value: 71 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->73<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif"><B>IN
WITNESS WHEREOF</B></FONT>, the parties hereto have caused this Agreement to be executed by their respective officers thereunto
duly authorized as of the date first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">First Horizon National
    Corporation, a Tennessee Corporation</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt; width: 47%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt; width: 3%">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt; width: 40%">&nbsp;</TD>
    <TD STYLE="width: 10%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">By:&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt; border-bottom: Black 1px solid"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">/s/
    D. Bryan Jordan</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Name: D. Bryan
    Jordan</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Title: Chairman
    of the Board, President, and Chief Executive Officer</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Capital Bank Financial
    Corp., a Delaware Corporation</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">By:&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt; border-bottom: Black 1px solid"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">/s/
    R. Eugene Taylor</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Name: R. Eugene
    Taylor</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Title: Chairman
    of the Board and Chief Executive Officer</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: bottom"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Firestone Sub, Inc.,
    a Delaware Corporation</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">By:&nbsp;</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt; border-bottom: Black 1px solid"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">/s/
    Brian M. Mellone</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Name: Brian M.
    Mellone</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-indent: 0pt"><FONT STYLE="font: 12pt Times New Roman, Times, Serif">Title:
    President</FONT></TD>
    <TD>&nbsp;</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">[<I>Signature Page to Agreement and Plan
of Merger</I>]</P>
<!-- Field: Page; Sequence: 83 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>c88338_ex10-1.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY>



<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Exhibit 10.1</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: right">&nbsp;</P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center"><U>FORM
OF COMPANY SUPPORT AGREEMENT</U></P>

<P STYLE="font: bold 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">May 3, 2017</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon National Corporation<BR>
165 Madison Ave. 23<SUP>rd</SUP> Floor<BR>
Memphis, TN 38103</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">Ladies and Gentlemen:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The undersigned, being a stockholder of
Capital Bank Financial Corp., a Delaware corporation (the &ldquo;<I>Company</I>&rdquo;), hereby acknowledges that the Company,
First Horizon National Corporation, a Tennessee corporation (&ldquo;<I>Parent</I>&rdquo;) and Firestone Sub, Inc., a Delaware
corporation (&ldquo;<I>Merger Sub</I>&rdquo;), are concurrently entering into an Agreement and Plan of Merger, dated as of an
even date herewith (as amended or modified from time to time, the &ldquo;<I>Merger Agreement</I>&rdquo;), pursuant to which Merger
Sub will be merged with and into the Company (the &ldquo;<I>Merger</I>&rdquo;), and subsequently, the Company will be merged with
and into Parent. A copy of the Merger Agreement has been provided to the undersigned. Capitalized terms used but not defined herein
are to be deemed to have the meanings assigned to them in the Merger Agreement. [If this agreement is being provided on behalf
of a trust, the term &ldquo;undersigned&rdquo; shall include both the trust and the trustee.]</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The undersigned further acknowledges that
the undersigned will benefit directly and substantially from the consummation of the Merger. As an inducement to and condition
of Parent&rsquo;s willingness to enter into the Merger Agreement, the undersigned hereby agrees, represents and warrants as follows:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">1. <I>Owned Shares</I>. The undersigned
owns (of record or beneficially) and has the full power and authority to vote the number of shares of Company Class A Common Stock
set forth on the signature page hereof (the &ldquo;<I>Owned Voting Shares</I>&rdquo;) and owns (of record or beneficially) the
number of shares of Company Class B Non-Voting Common Stock set forth on the signature page hereof (together with the Owned Voting
Shares, the &ldquo;<I>Owned Shares</I>&rdquo;). For all purposes of this agreement, the Owned Voting Shares and Owned Shares will
include any shares of Company Class A Common Stock, and the Owned Shares will include any Company Class B Non-Voting Common Stock,
as to which the undersigned acquires beneficial ownership after the date hereof.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">2. <I>Agreement to Vote Owned Shares</I>.
The undersigned agrees that at the Company Meeting or any other meeting or action of the stockholders of the Company, including
a written consent solicitation, with respect to which the undersigned is entitled to vote its Owned Voting Shares, the undersigned
will (a) vote all the Owned Voting Shares (or otherwise provide a proxy or consent) in favor of approval, and will not initiate
any proxy solicitation or undertake any other efforts not to support approval, of the Merger Agreement, the Merger and any other
matters required to be approved or adopted in order to effect the Merger and the transactions contemplated by the Merger Agreement,
and (b) not vote the Owned Voting Shares (or otherwise provide a proxy or consent) in favor of approval of any Acquisition Proposal
or any action that is intended to, or would reasonably be expected to, materially impede, interfere with or delay or</P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">otherwise materially and adversely affect
the Merger or the transactions contemplated by the Merger Agreement. Notwithstanding anything herein to the contrary, this Section
2 shall not require the undersigned to vote any of its Owned Voting Shares to amend the Merger Agreement or take any action that
could result in the amendment, modification or waiver of a provision therein, in any such case, in a manner that (i) alters or
changes the form of consideration to be paid in the Merger, (ii) adversely affects the tax consequences to the undersigned with
respect to the consideration to be received in the Merger, (iii) decreases the consideration to be paid in the Merger, (iv) extends
the Termination Date or imposes any additional conditions or obligations that would reasonably be expected to delay the consummation
of the Merger beyond the Termination Date or (v) would otherwise be reasonably be expected to be materially adverse to the undersigned.
[Notwithstanding anything to the contrary herein, the parties acknowledge that this agreement is entered into by the undersigned
solely in his or her capacity as legal title and beneficial holder of the Owned Shares and that nothing in this agreement shall
prevent any person from discharging his or her fiduciary duties as a member of the Company Board or as an officer of the Company.]<SUP>1</SUP></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">3. <I>Transfer of Owned Shares</I>. Prior
to the Effective Time, the undersigned agrees that the undersigned will not without the prior written consent of Parent (which
consent shall not be unreasonably withheld, delayed or conditioned), (1) directly or indirectly, sell, hypothecate, gift, bequeath,
transfer, assign, lend, pledge or in any way whatsoever otherwise encumber or dispose of (whether for or without consideration,
whether voluntarily or involuntarily or by operation of law), or enter into any contract, option, commitment, derivative or other
arrangement or understanding with respect to any of the foregoing (each, a &ldquo;<I>Transfer</I>&rdquo;) of, any of the Owned
Shares, unless the proposed transferee executes and delivers an agreement pursuant to which such proposed transferee agrees to
comply with the requirements of this agreement and the undersigned provides prior written notice to Parent of any such proposed
Transfer, <I>provided</I>, <I>however</I>, that the undersigned may without the obligation to obtain any agreement from any proposed
transferee or provide any notice to Parent [(a) dispose of or surrender Owned Shares to the Company in connection with the vesting,
settlement or exercise of the Company Restricted Stock Awards, the Company Equity Awards or warrants to purchase shares of Company
Common Stock for the payment of taxes thereon or, in respect of the Company Equity Awards, the payment of the exercise price thereon,
(b) dispose of Owned Shares in a broker-assisted cashless exercise of the Company Equity Awards expiring during the term of this
agreement up to the amount necessary to pay the exercise price in respect thereof and any related taxes or (c) after the Requisite
Company Vote is obtained, Transfer (x) up to 25% of the Owned Shares that are shares of Company Class A Common Stock owned by
the undersigned as of the date hereof and (y) up to 100% of the Owned Shares that are shares of Company Class A Common Stock obtained
through the exercise of Company Stock Options, in each case in Transfers that are exempt from registration and are in compliance
with the volume limitations set forth in Rule 144]<SUP>2</SUP> [after the Requisite Company Vote is obtained, Transfer up to 25%
of the Owned Shares owned by the undersigned at the time the Requisite Company Vote is obtained in Transfers that are exempt from
registration and are in compliance with the volume limitations set forth in Rule</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="left" STYLE="margin: 0"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 15%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<P STYLE="font: 3pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt; padding-bottom: 5pt"><SUP>1</SUP></TD>
    <TD STYLE="padding-bottom: 5pt">Applicable to Mr. Taylor only.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><SUP>2</SUP></TD>
    <TD>Applicable to Mr. Taylor only.</TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">144]<SUP>3</SUP>, or (2) take any action
or omit to take any action which would prohibit, prevent or preclude the undersigned from performing its obligations under this
agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">4. <I>Further Assurances</I>. The undersigned,
solely in his, her or its capacity as a stockholder of the Company, will take all reasonable actions and make all reasonable efforts,
and will execute and deliver all such further documents, certificates and instruments, necessary or advisable in order to consummate
the transactions contemplated hereby and by the Merger Agreement, including, without limitation, the agreement of the undersigned
to vote the Owned Voting Shares in accordance with Section 2 hereof. The undersigned acknowledges and agrees that in the event
that the Company Board submits any matter for a vote at the Company Meeting without recommendation, or withdraws its recommendation
in accordance with Section 6.3 of the Merger Agreement, all obligations in this agreement, including the agreement of the undersigned
to vote the Owned Voting Shares in accordance with the first sentence of Section 2 hereof, shall remain in full force and effect.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">5. <I>No Solicitation</I>. The undersigned,
solely in his, her or its capacity as a stockholder of the Company, agrees that the undersigned shall not, and shall direct the
undersigned&rsquo;s, agents and representatives (including, without limitation, any investment banker, attorney or accountant
retained by the undersigned) not to, knowingly initiate, maintain, solicit or encourage, directly or indirectly, any inquiries
or the making of any Acquisition Proposal or engage in any negotiations concerning, or provide any confidential information or
data to, make inquiries of or have any discussions with, any person (other than Parent or the Company or Parent&rsquo;s or the
Company&rsquo;s Representatives acting in their capacity as such) relating to an Acquisition Proposal, or otherwise knowingly
facilitate any effort or attempt to make or implement an Acquisition Proposal. Notwithstanding the foregoing, the undersigned
and its agents and representatives may take the actions listed in this Section 5 to the extent the Company&rsquo;s Representatives
would be permitted to take such actions pursuant to Section 6.13 of the Merger Agreement, and for the avoidance of doubt, may
participate in discussions or negotiations with any person regarding an Acquisition Proposal if at such time the Company is permitted
to do so with respect to such Acquisition Proposal pursuant to the Merger Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">6. <I>Waiver of Certain Rights and Claims</I>.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(a) To the extent applicable, effective
as of the Effective Time, the undersigned irrevocably agrees to waive and does hereby waive (1) any and all rights to which the
undersigned has been, is or may be entitled under the [Registration Rights Agreement, dated as of December 22, 2009, by and between
North American Financial Holdings, Inc., FBR Capital Markets &amp; Co., Crestview-NAFH, LLC and the other parties thereto, as
amended]<SUP>4</SUP>[Letter Agreement, by and between Oak Hill Capital Partners III, L.P., Oak Hill Capital Management Partners
III, L.P. and Capital Bank Financial Corp., dated November 22, 2015]<SUP>5</SUP> (the &ldquo;Registration Rights Agreement&rdquo;)
and (2) any and all claims (whether at law, at equity, through arbitration or otherwise) against the Company, Parent, the Surviving
Company,</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin: 0 0 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1px solid; width: 15%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->



<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 36pt; padding-bottom: 5pt"><SUP>3</SUP></TD>
    <TD STYLE="padding-bottom: 5pt">Applicable to Crestview and Oak Hill.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 5pt"><SUP>4</SUP></TD>
    <TD STYLE="padding-bottom: 5pt">Applicable to Mr. Taylor and Crestview.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD><SUP>5</SUP></TD>
    <TD>Applicable to Oak Hill.</TD></TR>
</TABLE>

<!-- Field: Page; Sequence: 3; Value: 2 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">the Surviving Corporation and their respective
affiliates and each of their respective officers, employees and directors to the extent relating to, in connection with or arising
from the Registration Rights Agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(b) The undersigned hereby agrees not to
commence or participate in, and to take all actions necessary to opt out of any class in any class action with respect to, any
claim, derivative or otherwise relating to the negotiation, execution or delivery of this agreement or the Merger Agreement or
the consummation of the Merger, including any claim alleging a breach of any fiduciary duty of the Company Board in connection
with the entry into and performance of the Merger Agreement, the Merger or the other transactions contemplated by the Merger Agreement,
or challenging the validity of or seeking to enjoin the operation of any provision of this agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">7. <I>Specific Performance</I>. The undersigned
agrees that irreparable damage would occur in the event that any of the provisions of this agreement were not performed by the
undersigned in accordance with their specific terms or were otherwise breached. Accordingly, the undersigned agrees that Parent
will be entitled to seek an injunction or injunctions to prevent breaches hereof by the undersigned and to enforce specifically
the terms and provisions hereof in any court of the United States or any state having jurisdiction, this being in addition to
any other remedy to which Parent is entitled at law or in equity, and that the undersigned waives the posting of any bond or security
in connection with any proceeding related thereto.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">8. <I>Termination of this Agreement</I>.
This agreement will terminate automatically upon earliest to occur of (a) the Effective Time, (b) the written agreement between
Parent and the undersigned to terminate this agreement and (c) the termination of the Merger Agreement by either or both of the
Company or Parent pursuant to Section 8.1 of the Merger Agreement. Upon such termination, no party shall have any further obligations
or liabilities hereunder; <I>provided</I>,<I> however</I>, (i) such termination will not relieve any party from liability for
any willful breach of this agreement prior to such termination and (ii) the provisions of this Section 8 and Section 12 through
Section 17 shall survive any termination of this agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">9. <I>Certain Representations and Warranties.
</I>The undersigned hereby represents and warrants to Parent that the undersigned has the right, power and authority to execute
and deliver this agreement; such execution and delivery, and the performance by the undersigned of each of its obligations under
this agreement, does not and will not violate, result in a breach of, or require any consent, approval, or notice under, any trust
instrument, organizational document, contract or agreement of any type or law; and this agreement has been duly executed and delivered
by the undersigned and constitutes a legal, valid and binding agreement of the undersigned, enforceable in accordance with its
terms (except to the extent that enforceability hereof may be limited by applicable bankruptcy, insolvency, reorganization, moratorium
or similar laws or equitable principles or doctrines).</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">10. <I>Appraisal Rights.</I> The undersigned
hereby waives and agrees not to exercise any rights of appraisal or rights to dissent from the transactions contemplated by the
Merger Agreement that he, she or it may have with respect to the Owned Shares under applicable law.</P>

<!-- Field: Page; Sequence: 4; Value: 2 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->4<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">11. <I>Disclosure</I>. Parent hereby consents
to and authorizes the undersigned and its agents and representatives to, to the extent the undersigned or such agents and representatives
determine it to be necessary or advisable under applicable law, publish and disclose in all documents and schedules filed with
the SEC (including any amendment to the undersigned&rsquo;s or any of its Affiliates&rsquo; Schedule 13D) and all documents and
schedules filed with any other Governmental Entity any press release or other disclosure document or filing in connection with
the Merger or any of the transactions contemplated by the Merger Agreement or this agreement, a copy of this agreement, the identities
of each party hereto and the nature of the undersigned&rsquo;s commitments and obligations under this agreement.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">12. <I>Governing Law</I>. This agreement
is governed by, and will be interpreted in accordance with, the laws of the State of Delaware applicable to contracts made and
to be performed entirely within that State.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">13. <I>Counterparts</I>. This agreement
may be executed in multiple counterparts, and may be delivered by means of facsimile or email (or any other electronic means such
as &ldquo;.pdf&rdquo; or &ldquo;.tiff&rdquo; files), each of which shall be deemed to constitute an original, but all of which
together shall be deemed to constitute one and the same instrument.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">14. <I>Severability</I>. Each provision
of this agreement shall be interpreted in such manner as to be effective and valid under applicable law, but in case any one or
more provisions contained in this agreement shall, for any reason, be held to be invalid, illegal or unenforceable in any respect,
(a) all other provisions of this agreement shall nevertheless remain in full force and effect for so long as the economic or legal
substance of the transaction contemplated hereby is not affected in a manner materially adverse to any party and (b) the parties
shall negotiate in good faith to modify this agreement so as to effect the original intent of the parties as closely as possible
in a mutually acceptable manner in order that the transactions contemplated hereby can be consummated as originally contemplated
to the greatest extent possible.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">15. <I>Amendment</I>. This agreement may
not be amended, modified or supplemented in any manner, whether by course of conduct or otherwise, except by an instrument in
writing specifically designated as an amendment hereto, signed on behalf of each of the parties in interest at the time of the
amendment.</P>

<!-- Field: Page; Sequence: 5; Value: 2 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->5<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">16. <I>Notices</I>. All notices required
hereunder will be provided in accordance with Section 9.5 of the Merger Agreement and shall be delivered to the addresses set
forth below, or pursuant to such other instructions as may be designated in writing by the party to receive such notice:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(i) if to Parent to:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 85%; border-collapse: collapse; margin-left: 90pt; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2">First Horizon National Corporation<BR> 165 Madison Ave. 23<SUP>rd</SUP> Floor<BR> Memphis, TN 38103</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%">Attention:</TD>
    <TD STYLE="width: 87%">William C. Losch III</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Facsimile:</TD>
    <TD>901-523-4651</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2">E-mail:wclosch@firsthorizon.com</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><I>with a copy (which shall not constitute
notice) to:</I></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 85%; border-collapse: collapse; margin-left: 90pt; font: 12pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="2">Sullivan &amp; Cromwell LLP<BR> 125 Broad Street<BR> New York, NY 10004</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 13%">Attention:</TD>
    <TD STYLE="width: 87%">H. Rodgin Cohen</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Mitchell S. Eitel</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Facsimile:</TD>
    <TD>212-291-9028 / 212-291-9046</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>E-mail:</TD>
    <TD>cohenhr@sullcrom.com / eitelm@sullcrom.com</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">and</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(ii) if to the undersigned, to the applicable
address set forth on the signature page.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">17. <I>Third Party Beneficiary</I>. The
parties hereby designate the Company as an express third-party beneficiary of this Agreement having the right to enforce the terms
herein, including, without limitation, Section 2 and Section 3.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*</P>

<!-- Field: Page; Sequence: 6; Value: 2 -->
    <DIV STYLE="margin-top: 10pt; margin-bottom: 6pt; padding-bottom: 12pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">-<!-- Field: Sequence; Type: Arabic; Name: PageNo -->6<!-- Field: /Sequence -->-</TD></TR></TABLE></DIV>
    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 10pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: left; width: 100%"><PAGE></PAGE></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->


<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">The undersigned has executed and delivered
this agreement as of the day and year first above written.</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Very truly yours,</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 60%">&nbsp;</TD>
    <TD STYLE="width: 3%">Title:</TD>
    <TD STYLE="width: 17%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 20%; border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3">Number of Shares of<BR> Company Class A Common</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Stock:</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD STYLE="padding-bottom: 1px">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">Number of Shares of <BR>
    Company Class B Non-<BR>
    Voting Common Stock:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>[Address]</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Attention:</TD>
    <TD COLSPAN="2" STYLE="padding-left: 20pt">[&#9679;]</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Facsimile:</TD>
    <TD COLSPAN="2" STYLE="padding-left: 20pt">[&#9679;]</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>E-mail:</TD>
    <TD COLSPAN="2" STYLE="padding-left: 20pt">[&#9679;]</TD></TR>
</TABLE>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">ACCEPTED AS OF THE DAY AND YEAR<BR>
FIRST ABOVE WRITTEN:</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon National Corporation</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 4%">By:</TD>
    <TD STYLE="width: 4%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 25%; border-bottom: Black 1px solid">&nbsp;</TD>
    <TD STYLE="width: 67%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Name:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>Title:</TD>
    <TD STYLE="border-bottom: Black 1px solid">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="4" STYLE="text-align: center; font-size: 10pt">[SIGNATURE PAGE TO COMPANY SUPPORT AGREEMENT]</TD></TR>
</TABLE>


<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-bottom: 6pt; border-bottom: Silver 4px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 12pt Times New Roman, Times, Serif"><TR><TD STYLE="text-align: center; width: 100%">&nbsp;</TD></TR></TABLE></DIV>

    <!-- Field: /Page -->



</BODY>
</HTML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
