<SEC-DOCUMENT>0000930413-20-002470.txt : 20201029
<SEC-HEADER>0000930413-20-002470.hdr.sgml : 20201029
<ACCEPTANCE-DATETIME>20201029161752
ACCESSION NUMBER:		0000930413-20-002470
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20201027
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201029
DATE AS OF CHANGE:		20201029

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:		201272891

	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>
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</div><p style="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>UNITED STATES<br/>
SECURITIES AND EXCHANGE COMMISSION </b></p><div>

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

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

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</div><p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

</div><p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT </b></p><div>

</div><p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

</div><p style="font: 10pt 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><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

</div><p style="font: 11pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of report (date of earliest event reported):
<b><ix:nonNumeric contextRef="c0" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">October 27, 2020</ix:nonNumeric> </b></p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

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Horizon National Corporation</ix:nonNumeric> </b></span></p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact Name of Registrant as Specified in
Charter)</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

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<span style="font-size: 10pt">of Incorporation)</span></td> <td style="font-size: 10pt; text-align: center">&#160;</td> <td style="font-size: 10pt; text-align: center"><span style="font-size: 10pt">(Commission File Number)</span></td> <td style="font-size: 10pt; text-align: center">&#160;</td> <td style="font-size: 10pt; text-align: center"><span style="font-size: 10pt">(IRS Employer</span><br/>
<span style="font-size: 10pt">Identification No.)</span></td></tr>
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&#8217;s telephone number, including
area code</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former name or former address, if changed
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</div><!-- Field: Rule-Page --><div style="text-align: CENTER;"><div style="font-size: 1pt; border-top: Black 1px solid; width: 40%; margin-left: auto; margin-right: auto;">&#160;</div></div><!-- Field: /Rule-Page --><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p><div>

</div><p style="font: 10pt 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><div>

</div><p style="font: 5pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 18pt"><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:WrittenCommunications">&#9744;</ix:nonNumeric></span></td><td>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 5pt Times New Roman, Times, Serif">&#160;</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt" width="100%"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 18pt"><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:SolicitingMaterial">&#9744;</ix:nonNumeric></span></td><td>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr></table><div>

</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 5pt Times New Roman, Times, Serif">&#160;</p><div>

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</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 5pt Times New Roman, Times, Serif">&#160;</p><div>

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</div><p style="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-indent: -27.35pt">Securities registered pursuant
to Section 12(b) of the Act:</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 27.35pt; text-indent: -27.35pt">&#160;</p><div>

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<tr> <td style="width: 60%; border-top: Black 1px solid; border-right: Black 1px solid; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt"><b>Title of Each Class</b></td> <td style="width: 10%; border-top: Black 1px solid; border-right: Black 1px solid; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>Trading</b><br/> <b>Symbol(s)</b></td> <td style="width: 30%; border-top: Black 1px solid; border-bottom: Black 1px solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><b>Name of Exchange on which Registered</b></td></tr>
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><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 (&#xa7;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#xa7;240.12b-2 of this chapter).</p><div>

</div><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top"> <td style="width: 66%; font-size: 10pt">&#160;</td> <td style="width: 34%; font-size: 10pt"><span style="font-size: 10pt">Emerging growth company&#160;&#160;</span><span><ix:nonNumeric contextRef="c0" format="ixt-sec:boolballotbox" name="dei:EntityEmergingGrowthCompany">&#9744;</ix:nonNumeric></span></td></tr>
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</div><p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><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. <span>&#9744;</span></p><div>

</div><!-- Field: Page; Sequence: 1 --><div>
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</div><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; margin-top: 0pt; margin-bottom: 0pt; font: 10pt Arial, Helvetica, Sans-Serif">
<tr style="vertical-align: top; font-size: 1px">
    <td style="font-size: 1px; width: 3%">&#160;</td>
    <td style="font-size: 1px; width: 7%">&#160;</td>
    <td style="font-size: 1px; width: 90%">&#160;</td></tr>
<tr style="vertical-align: top">
    <td colspan="2"><b>ITEM 5.03. </b></td>
    <td><b>Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</b></td></tr>
</table><div>


</div><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 72pt; text-indent: -72pt">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>Restatement of Charter</i></b></p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October 27, 2020, the Board of Directors of First Horizon
National Corporation (&#8220;First Horizon&#8221;) approved the restatement of First Horizon&#8217;s corporate Charter, incorporating all prior amendments into a single document. Those amendments: designated Series B,
C, D, and E preferred stock, shares of which underlie certain of the Depositary Shares listed on the cover page of this Report; and increased
the number of common shares that First Horizon is authorized to issue. Those amendments were reported previously in First Horizon&#8217;s
Current Reports on Form 8-K filed on May 28, 2020 and July 2, 2020.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon filed its Restated Charter with the Secretary of State
of Tennessee on October 27, 2020, effective immediately upon filing.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Horizon&#8217;s Restated Charter is filed as Exhibit 3.1.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>Further Amendment of Charter--Corporate Name Change</i></b></p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October 27, 2020 the Board of Directors of First Horizon approved an amendment
to Article 1 of First Horizon&#8217;s Restated Charter, changing the corporate name from &#8220;First Horizon National Corporation&#8221; to &#8220;First Horizon
Corporation.&#8221; Tennessee law does not require this name change to be approved by shareholders. First Horizon will file the amendment with
the Tennessee Secretary of State&#8217;s office later, to allow time for certain notices and other administrative functions to be completed.
First Horizon expects the amendment and name change to become effective on November 30, 2020.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Board also approved conforming changes
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Outstanding
stock and other securities of First Horizon will not be legally affected by the name change. After the name change, First Horizon&#8217;s common
stock will continue to trade on the New York Stock Exchange under the symbol FHN, and depositary shares related to outstanding preferred
stock will continue to trade under the symbols FHN PR A, FHN PR B, FHN PR C, FHN PR D, and FHN PR E. Valid stock certificates bearing
First Horizon&#8217;s old name will continue to be valid, and need not be exchanged for new ones.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>Amendment of Bylaws</i></b></p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October 27, 2020, First Horizon&#8217;s Board of
Directors unanimously amended Section 3.17(e)(ii) of First Horizon&#8217;s Bylaws. That section of the Bylaws was added in
conjunction with First Horizon&#8217;s recent merger with IBERIABANK Corporation (&#8220;IBKC&#8221;), as reported previously
on First Horizon&#8217;s Current Report filed on July 2, 2020. Section 3.17(e)(ii) provides that Board committees
should be comprised of one fewer director from legacy IBKC than from legacy First Horizon. The amendment codified a degree of
flexibility by adding the underlined language:</p><div>

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</div><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 0pt 27pt">(ii) each committee of the Boards of Directors of the
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that is one (1) less than the number of Continuing First Horizon Directors serving on each such committee,</p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The amended and restated Bylaws are filed as Exhibit
3.2.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

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<tr style="vertical-align: top">
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    <td><b>Financial Statements and Exhibits. </b></td></tr>
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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(d) Exhibits</p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The following exhibits are filed herewith:</p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">All summaries and descriptions of documents, and of amendments
thereto, set forth above are qualified in their entirety by the documents themselves, whether filed as an exhibit hereto or filed
as an exhibit to a later report.</p><div>

</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p><div>

</div><p style="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">*&#160;&#160;*&#160;&#160;*&#160;&#160;*&#160;&#160;*</p><div>

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</div><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0"><b>SIGNATURES </b></p><div>

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</div><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act
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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 3.1</B></P>

<P STYLE="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>RESTATED CHARTER<BR>
OF<BR>
FIRST HORIZON NATIONAL CORPORATION</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-indent: 36pt">Pursuant to the provisions of Section 48-20-107
of the Tennessee Business Corporation Act, the undersigned Corporation adopts the following Restated Charter:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>1.</B></TD><TD><B>NAME.</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"></TD><TD>The name of the Corporation shall be:</TD></TR></TABLE>

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"></TD><TD>FIRST HORIZON NATIONAL CORPORATION.</TD></TR></TABLE>

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>2.</B></TD><TD><B>DURATION.</B></TD></TR></TABLE>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"></TD><TD>The duration of the Corporation is perpetual.</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The address of the principal office of
the Corporation in the State of Tennessee shall be: 165 Madison Avenue, Memphis, Tennessee 38103.</P>

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<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>4.</B></TD><TD><B>PROFIT.</B></TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Corporation is organized: to conduct
one or more financial services businesses, including any and all related, ancillary, or supportive businesses; to own other companies
or enterprises (or interests therein) which conduct financial services businesses, including any and all related, ancillary, or
supportive businesses; to engage in any lawful act or activity for which corporations may be organized now or hereafter under the
Tennessee Business Corporation Act or other statutes or law of Tennessee; and for every other lawful purpose or purposes. Except
as provided otherwise in this Restated Charter, the Corporation has each and every power enumerated in or permitted now or hereafter
by the statutes or law of Tennessee, and all powers ancillary thereto.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The maximum number of shares which the
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<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seven Hundred Million (700,000,000)
shares of common stock of a par value of $0.625 each; and</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Five Million (5,000,000) shares
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>8.</B></TD><TD><B>[reserved]</B></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>9.</B></TD><TD><B>COMMON STOCK.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The entire voting power of the Corporation
shall be vested in the common stock; provided, however, that the Board of Directors is authorized by this Charter to issue, from
time to time, serial preferred stock of the Corporation in one or more series each of which constitutes a separate class, and prior
to issuance to fix and determine the distinguishing characteristics and rights, privileges and immunities of each such series.
Such characteristics and rights, privileges and immunities may include, but are not limited to, the voting rights of such serial
preferred stock, and such voting rights of such serial preferred stock may, if so determined by the Board of Directors prior to
the issuance of such serial preferred stock, give to the holders of such serial preferred stock voting rights equal to, greater
than or less than those of the holders of the common stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>10.</B></TD><TD><B>SERIAL PREFERRED STOCK.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The shares of any preferred class may be
divided into and issued in series. If the shares of any such class are to be issued in series, then each series shall be so designated
to distinguish the series thereof from all the shares of all other series and classes. All shares of the same series shall be identical.
Any or all of the series of any class may vary in the relative rights and preferences as between the different series to the extent
permitted by the statutes of Tennessee. The Board of Directors shall have the authority to divide any or all such classes into
series and, within the limitation of the statutes and law of Tennessee, particularly Section 48-16-102 of the Tennessee Business
Corporation Act or any successor provision thereto, fix and determine the relative rights and preferences of the shares of any
series so established.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Board of Directors is authorized to
issue the preferred stock, without par value, in one or more series, from time to time with such voting powers, full or limited,
or without voting powers, and with such designations, preferences and relative participating, optional or other special rights
and qualifications, limitations and restrictions thereof, as may be provided in a resolution or resolutions adopted by the Board
of Directors. The authority of the Board of Directors shall include, but not be limited to, the determination or fixing of the
following with respect to shares of such class or any series thereof: (1) the number of shares and designation; (2) the dividend
rate and whether dividends are to be cumulative; (3) whether shares are to be redeemable and, if so, the terms and amount of any
sinking fund for the</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 2</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">purchase or redemption of such shares; (4) whether shares
shall be convertible and, if so, the terms and provisions applying; (5) what voting rights are to apply, if any; and (6) what restrictions
are to apply, if any, on the issue or re-issue of any additional preferred stock.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 36pt"><B>(a)</B></TD><TD><B><U>Non-Cumulative Perpetual Preferred Stock, Series A</U></B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation and Number
of Shares</U>. There is hereby created out of the authorized and unissued shares of Preferred Stock of the Corporation a series
of Preferred Stock designated as the &ldquo;Non-Cumulative Perpetual Preferred Stock, Series A&rdquo; (hereinafter called &ldquo;<U>Series
A Preferred Stock</U>&rdquo;) initially consisting of 1,000 shares. The number of shares constituting the Series A Preferred Stock
may be increased from time to time by resolution of the Board of Directors, without the vote or consent of the holders of Series
A Preferred Stock in accordance with law up to the maximum number of shares of Preferred Stock authorized to be issued under the
Restated Charter, less all shares at the time authorized of any other series of Preferred Stock. Shares of Series A Preferred Stock
shall be dated the date of issue; provided, that any such additional shares of Series A Preferred Stock are not treated as &ldquo;disqualified
preferred stock&rdquo; within the meaning of Section 1059(f)(2) of the Internal Revenue Code of 1986, as amended, or any successor
provision, and such additional shares of Series A Preferred Stock are otherwise treated as fungible with the initial 1,000 shares
of Series A Preferred Stock for U.S. federal income tax purposes. Shares of outstanding Series A Preferred Stock that are redeemed,
purchased or otherwise acquired by the Corporation shall, after such redemption, purchase or acquisition, be cancelled and shall
revert to authorized but unissued shares of Preferred Stock undesignated as to series until such shares are once more designated
as part of a particular series by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard Provisions</U>.
The Standard Provisions contained in Annex A attached hereto are incorporated herein by reference in their entirety and shall be
deemed to be a part of this Article 10(a) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>. The
following terms are used in this Article 10(a) (including the Standard Provisions in Annex A hereto) as defined below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Common Stock</I>&rdquo;
means the common stock, par value $0.625 per share, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Dividend Payment Date</I>&rdquo;
means each January 10, April 10, July 10 and October 10, commencing April 10, 2013; <I>provided</I>, <I>however</I>, that if any
such date is not a Business Day, then such date shall nevertheless be a Dividend Payment Date but dividends on the Series A Preferred
Stock, when, as and if declared, shall be paid on the next succeeding Business Day (without interest or any other adjustment in
the amount of the dividend per share of Series A Preferred Stock).</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 3</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Junior Stock</I>&rdquo;
means (A) the Common Stock and (B) any other class or series of capital stock of the Corporation now or hereafter authorized, issued
or outstanding that, by its terms, does not expressly provide that it ranks <I>pari passu</I> with or senior to the Series A Preferred
Stock as to (i) payment of dividends and/or (ii) distributions upon the liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Preferred Stock</I>&rdquo;
means any and all series of preferred stock, having no par value, of the Corporation, including the Series A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series A Liquidation
Amount</I>&rdquo; means $100,000 per share of Series A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Voting Matters</U>.
Holders of shares of Series A Preferred Stock will be entitled to one vote for each such share on any matter on which holders of
Series A Preferred Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>6.625% Fixed-to-Floating Non-Cumulative
Perpetual Preferred Stock, Series B</U>. </B>Pursuant to the provisions of the Restated Charter of the Corporation and applicable
law, a series of preferred stock, no par value, of the Corporation be and hereby is created and the designation and number of shares
of such series, and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications,
limitations and restrictions thereof, of the shares of such series, are as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation and Number
of Shares</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The designation of the series
of preferred stock shall be &ldquo;6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B&rdquo; (the &ldquo;<I>Series
B Preferred Stock</I>&rdquo;). With respect to payment of dividends and distributions upon the Corporation&rsquo;s liquidation,
dissolution or winding up, the Series B Preferred Stock shall rank (i) senior to the Corporation&rsquo;s common stock and any other
class or series of preferred stock that by its terms ranks junior to the Series B Preferred Stock, (ii) equally with all existing
and future series of preferred stock that the Corporation may issue that does not by its terms rank junior to the Series B Preferred
Stock, including the Series A Preferred Stock, the Series C Preferred Stock, the Series D Preferred Stock and the Series E Preferred
Stock and (iii) junior to all existing and future indebtedness and other liabilities of the Corporation any class or series of
preferred stock that expressly provides in the articles of amendment creating such preferred stock that it ranks senior to the
Series B Preferred Stock (subject to any requisite consents required for the creation of such preferred stock ranking senior to
the Series B Preferred Stock).The number of authorized shares of Series B Preferred Stock shall be 8,625. That number from time
to time may be increased (but not in excess of the total number of authorized shares of preferred stock) or decreased (but not
below the number of shares of Series B Preferred Stock then outstanding) by further resolution duly adopted by the Board of Directors
(or a duly authorized committee thereof) and by the filing of a certificate pursuant to the provisions of Section 48-20-106 of
the Tennessee Business Corporation Act stating that such increase or decrease, as the case may be, has been so authorized. The
Corporation may from time to time,</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 4</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">without notice to or the consent of holders of the
Series B Preferred Stock, issue additional shares of Series B Preferred Stock, provided that if the additional shares are not fungible
for U.S. federal income tax purposes with the initial shares of such series, the additional shares shall be issued under a separate
CUSIP number. The additional shares would form a single series together with all previously issued shares of Series B Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard Provisions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The Standard Provisions contained
in Annex B attached hereto are incorporated herein by reference in their entirety and shall be deemed to be a part of this Article
10(b) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The following terms are used in
this Article 10(b) (including the Standard Provisions in Annex B hereto) as defined below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series C Preferred Stock</I>&rdquo;
means the 6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series D Preferred Stock</I>&rdquo;
means the 6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series E Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>6.60% Fixed-to-Floating Non-Cumulative
Perpetual Preferred Stock, Series C</U>. </B>Pursuant to the provisions of the Restated Charter of the Corporation and applicable
law, a series of preferred stock, no par value, of the Corporation be and hereby is created and the designation and number of shares
of such series, and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications,
limitations and restrictions thereof, of the shares of such series, are as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation and Number
of Shares</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The designation of the series
of preferred stock shall be &ldquo;6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C&rdquo; (the &ldquo;<I>Series
C Preferred Stock</I>&rdquo;). With respect to payment of dividends and distributions upon the Corporation&rsquo;s liquidation,
dissolution or winding up, the Series C Preferred Stock shall rank (i) senior to the Corporation&rsquo;s common stock and any other
class or series</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">of preferred stock that by its terms ranks junior
to the Series C Preferred Stock, (ii) equally with all existing and future series of preferred stock that does not by its terms
so provide, including the Series A Preferred Stock, the Series B Preferred Stock, the Series D Preferred Stock and the Series E
Preferred Stock and (iii) junior to all existing and future indebtedness and other liabilities of the Corporation any class or
series of preferred stock that expressly provides in the articles of amendment creating such preferred stock that it ranks senior
to the Series C Preferred Stock (subject to any requisite consents prior to issuance).The number of authorized shares of Series
C Preferred Stock shall be 5,750. That number from time to time may be increased (but not in excess of the total number of authorized
shares of preferred stock) or decreased (but not below the number of shares of Series C Preferred Stock then outstanding) by further
resolution duly adopted by the Board of Directors (or a duly authorized committee thereof) and by the filing of a certificate pursuant
to the provisions of Section 48-20-106 of the Tennessee Business Corporation Act stating that such increase or decrease, as the
case may be, has been so authorized. The Corporation may from time to time, without notice to or the consent of holders of the
Series C Preferred Stock, issue additional shares of Series C Preferred Stock, provided that if the additional shares are not fungible
for U.S. federal income tax purposes with the initial shares of such series, the additional shares shall be issued under a separate
CUSIP number. The additional shares would form a single series together with all previously issued shares of Series C Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard Provisions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The Standard Provisions contained
in Annex C attached hereto are incorporated herein by reference in their entirety and shall be deemed to be a part of this Article
10(c) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The following terms are used in
this Article 10(c) (including the Standard Provisions in Annex C hereto) as defined below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series B Preferred Stock</I>&rdquo;
means the 6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series D Preferred Stock</I>&rdquo;
means the 6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series E Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 6</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>6.100% Fixed-to-Floating Non-Cumulative
Perpetual Preferred Stock, Series D</U>. </B>Pursuant to the provisions of the Restated Charter of the Corporation and applicable
law, a series of preferred stock, no par value, of the Corporation be and hereby is created and the designation and number of shares
of such series, and the voting and other powers, preferences and relative, participating, optional or other rights, and the qualifications,
limitations and restrictions thereof, of the shares of such series, are as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation and Number
of Shares</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The designation of the series
of preferred stock shall be &ldquo;6.100% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D&rdquo; (the &ldquo;<I>Series
D Preferred Stock</I>&rdquo;<I>)</I>. With respect to payment of dividends and distributions upon the Corporation&rsquo;s liquidation,
dissolution or winding up, the Series D Preferred Stock shall rank (i) senior to the Corporation&rsquo;s common stock and any other
class or series of capital stock that by its terms ranks junior to the Series D Preferred Stock, (ii) equally with all existing
and future series of capital stock that does not by its terms so provide, including the Series A Preferred Stock, the Series B
Preferred Stock, the Series C Preferred Stock and the Series E Preferred Stock and (iii) junior to all existing and future indebtedness
and other liabilities of the Corporation any class or series of capital stock that expressly provides in the articles of amendment
creating such preferred stock that it ranks senior to the Series D Preferred Stock (subject to any requisite consents prior to
issuance). The number of authorized shares of Series D Preferred Stock shall be 10,000. That number from time to time may be increased
(but not in excess of the total number of authorized shares of preferred stock) or decreased (but not below the number of shares
of Series D Preferred Stock then outstanding) by further resolution duly adopted by the Board of Directors (or a duly authorized
committee thereof) and by the filing of a certificate pursuant to the provisions of Section 48-20-106 of the Tennessee Business
Corporation Act stating that such increase or decrease, as the case may be, has been so authorized. The Corporation may from time
to time, without notice to or the consent of holders of the Series D Preferred Stock, issue additional shares of Series D Preferred
Stock, provided that if the additional shares are not fungible for U.S. federal income tax purposes with the initial shares of
such series, the additional shares shall be issued under a separate CUSIP number. The additional shares would form a single series
together with all previously issued shares of Series D Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard Provisions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The Standard Provisions contained
in Annex D attached hereto are incorporated herein by reference in their entirety and shall be deemed to be a part of this Article
10(d) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">The following terms are used in
this Article 10(d) (including the Standard Provisions in Annex D hereto) as defined below:</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 7</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series B Preferred Stock</I>&rdquo;
means the 6.625% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series B, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series C Preferred Stock</I>&rdquo;
means the 6.60% Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series C, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series E Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series E, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Cumulative Perpetual Preferred
Stock, Series E</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designation and Number
of Shares</U>. There is hereby created out of the authorized and unissued shares of Preferred Stock of the Corporation a series
of Preferred Stock designated as the &ldquo;Non-Cumulative Perpetual Preferred Stock, Series E&rdquo; (hereinafter called &ldquo;<U>Series
E Preferred Stock</U>&rdquo;) initially consisting of 1,725 shares. The number of shares constituting the Series E Preferred Stock
may be increased from time to time by resolution of the Board of Directors, without the vote or consent of the holders of Series
E Preferred Stock in accordance with law up to the maximum number of shares of Preferred Stock authorized to be issued under the
Restated Charter, less all shares at the time authorized of any other series of Preferred Stock. Shares of Series E Preferred Stock
shall be dated the date of issue; provided, that any such additional shares of Series E Preferred Stock are not treated as &ldquo;disqualified
preferred stock&rdquo; within the meaning of Section 1059(f)(2) of the Internal Revenue Code of 1986, as amended, or any successor
provision, and such additional shares of Series E Preferred Stock are otherwise treated as fungible with the initial 1,725 shares
of Series E Preferred Stock for U.S. federal income tax purposes. Shares of outstanding Series E Preferred Stock that are redeemed,
purchased or otherwise acquired by the Corporation shall, after such redemption, purchase or acquisition, be cancelled and shall
revert to authorized but unissued shares of Preferred Stock undesignated as to series until such shares are once more designated
as part of a particular series by the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Standard Provisions</U>.
The Standard Provisions contained in Annex E attached hereto are incorporated herein by reference in their entirety and shall be
deemed to be a part of this Article 10(e) to the same extent as if such provisions had been set forth in full herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>. The
following terms are used in this Article 10(e) (including the Standard Provisions in Annex E hereto) as defined below:</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 8</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Board of Directors</I>&rdquo;
means the Board of Directors of the Corporation or any duly authorized committee thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Common Stock</I>&rdquo;
means the common stock, par value $0.625 per share, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Dividend Payment Date</I>&rdquo;
means each January 10, April 10, July 10 and October 10, commencing October 10, 2020; <I>provided</I>, <I>however</I>, that if
any such date is not a Business Day, then such date shall nevertheless be a Dividend Payment Date but dividends on the Series E
Preferred Stock, when, as and if declared, shall be paid on the next succeeding Business Day (without interest or any other adjustment
in the amount of the dividend per share of Series E Preferred Stock).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Junior Stock</I>&rdquo;
means (A) the Common Stock and (B) any other class or series of capital stock of the Corporation now or hereafter authorized, issued
or outstanding that, by its terms, does not expressly provide that it ranks <I>pari passu</I> with or senior to the Series E Preferred
Stock as to (i) payment of dividends and/or (ii) distributions upon the liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Preferred Stock</I>&rdquo;
means any and all series of preferred stock, having no par value, of the Corporation, including the Series A and the Series E Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series A Preferred Stock</I>&rdquo;
means the Non-Cumulative Perpetual Preferred Stock, Series A, of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Series E Liquidation
Amount</I>&rdquo; means $100,000 per share of Series E Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Voting Matters</U>.
Holders of shares of Series E Preferred Stock will be entitled to one vote for each such share on any matter on which holders of
Series E Preferred Stock are entitled to vote, including any action by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>11.</B></TD><TD><B>MANAGEMENT BY BOARD OF DIRECTORS.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All corporate powers shall be exercised
by, and the business and affairs of the Corporation shall be managed under the direction of, the Board of Directors. The Board
of Directors may exercise all powers conferred or permitted by the statutes or law of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without in any way limiting any
of the objects or purposes or powers of the Board of Directors, whether primary or secondary, it is hereby expressly declared and
provided that the Board of Directors shall have the power to remove any director for cause, within the meaning of applicable statutes
or law of Tennessee, by a vote of a majority of the entire Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>12.</B></TD><TD><B>NUMBER, ELECTION AND TERMS OF DIRECTORS.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The number of directors of the Corporation
which shall constitute the entire Board of Directors shall be fixed from time to time in the Bylaws of the Corporation. Any such
determination shall continue in effect unless and until changed, but no such changes</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 9</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">shall affect the term of any director then in office. At the
annual meeting of shareholders that is held in calendar year 2008, the successors of the directors whose terms expire at that meeting
shall be elected for a term expiring at the annual meeting of shareholders that is held in calendar year 2011; provided, however,
that any director whose term expires at the 2008 annual meeting solely due to the operation of Section 48-18-105(d) of the Tennessee
Business Corporation Act shall be elected for the remainder of the term of the class of directors to which he or she has been assigned.
Commencing at the annual meeting of shareholders that is held in calendar year 2009, directors shall be elected annually for terms
of one year, except that any director in office at the 2009 annual meeting whose term expires at the annual meeting of shareholders
held in calendar year 2010 or 2011 shall continue to hold office until the end of the term for which such director was elected.
In all cases, directors shall hold office until their respective successors are duly elected and qualified.</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-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Newly created directorships resulting
from any increase in the authorized number of directors or any vacancies on the Board of Directors resulting from death, resignation,
retirement, disqualification or any other cause (except removal from office) shall be filled only by the Board of Directors, provided
that a quorum is then in office and present, or only by a majority of the directors then in office, if less than a quorum is then
in office, or by the sole remaining director. Any vacancies on the Board of Directors resulting from removal from office may be
filled by the affirmative vote of the holders of at least a majority of the voting power of all outstanding voting stock or, if
the shareholders do not so fill such a vacancy, by a majority of the directors then in office. Directors of the Corporation may
be removed by the shareholders only for cause by the affirmative vote of the holders of at least a majority of the voting power
of all outstanding voting stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Bylaws or any Bylaw of the Corporation
may be adopted, amended or repealed only by the affirmative vote of not less than a majority of the directors then in office at
any regular or special meeting of directors, or by the affirmative vote of the holders of at least eighty percent (80%) of the
voting power of all outstanding voting stock at any annual meeting or any special meeting called for that purpose. Any provision
of the Charter which is inconsistent with any provision of the Bylaws of the Corporation may be adopted only by the affirmative
vote of the holders of at least eighty percent (80%) of the voting power of all outstanding voting stock at any annual meeting
or any special meeting called for that purpose.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provisions
of this Charter or the Bylaws of the Corporation (and notwithstanding the fact that a lesser percentage or separate class vote
may be specified by law, this Charter, the Bylaws of the Corporation or otherwise), the affirmative vote of the holders of at least
eighty percent (80%) of the voting power of all outstanding voting stock shall be required to adopt any provisions inconsistent
with, or to amend or repeal, this Article 12.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the foregoing, whenever
the holders of any one or more classes or series of preferred stock issued by the Corporation shall have the right, voting separately
by class or by series, to elect directors at an annual or special meeting of shareholders, the election, term of office, filling
of vacancies and other features of such directorships shall be governed by the terms of this Charter applicable thereto.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 10</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>13.</B></TD><TD><B>VOTE REQUIREMENT FOR ELECTION OF DIRECTORS.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Except as provided in Article 12, each
director shall be elected by the affirmative vote of a majority of the votes cast with respect to the director at any meeting of
shareholders for the election of directors at which a quorum is present, provided that if, as of (a) the expiration of the time
fixed under Section 3.6 of the Corporation&rsquo;s Bylaws (or any successor provision) for advance notice of nomination of a director
by a shareholder or, (b) in the absence of any such provision, a date that is fourteen (14) days in advance of the date the Corporation
files its definitive proxy statement (regardless of whether or not thereafter revised or supplemented) with the Securities and
Exchange Commission, the number of nominees exceeds the number of positions on the Board of Directors to be filled by election
at the meeting, the directors shall be elected by the vote of a plurality of the votes cast by the shares entitled to vote in the
election at any such meeting. For purposes of this section, the &ldquo;affirmative vote of a majority of the votes cast&rdquo;
means that the number of votes cast &ldquo;for&rdquo; a director exceeds the number of votes cast &ldquo;against&rdquo; that director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>14.</B></TD><TD><B>DIRECTOR LIABILITY.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No director shall be personally liable
to the Corporation or its shareholders for monetary damages for breach of fiduciary duty as director, except for liability (i)
for any breach of the director&rsquo;s duty of loyalty to the Corporation or its shareholders, (ii) for acts or omissions not in
good faith or which involve intentional misconduct or a knowing violation of law, or (iii) under Section 48-18-302, or any successor
provision thereto, of the Tennessee Business Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 36pt"><B>15.</B></TD><TD><B>REGISTERED AGENT AND OFFICE.</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Corporation&rsquo;s registered office
is 165 Madison Avenue, Memphis, Shelby County, Tennessee 38103, and its registered agent at that office is Clyde A. Billings, Jr.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">DATED: October 27, 2020</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">FIRST HORIZON NATIONAL CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 55%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 29%">&nbsp;</TD>
    <TD STYLE="width: 12%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="border-bottom: Black 1px solid"><FONT STYLE="font-size: 10pt">/s/ Clyde A. Billings, Jr.</FONT></TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><FONT STYLE="font-size: 10pt">Clyde A. Billings, Jr., Corporate Secretary</FONT></TD></TR>
</TABLE>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>FHNC RESTATED CHARTER - 2020</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 11</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STANDARD PROVISIONS</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-indent: 36pt">Section 1. <U>General Matters</U>. Each
share of Series A Preferred Stock shall be identical in all respects to every other share of Series A Preferred Stock. The Series
A Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions that form a part of the
Articles of Amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 2. <U>Definitions</U>. As used
herein with respect to the Series A Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><I>&ldquo;</I><U>Appropriate Federal Banking
Agency</U>&rdquo; means the &ldquo;appropriate federal banking agency&rdquo; with respect to the Corporation as defined in Section
3(q) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1813(q)), or any successor provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Articles of Amendment</U>&rdquo;
means the Articles of Amendment relating to the Series A Preferred Stock, of which these Standard Provisions form a part, as it
may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Business Day</U>&rdquo; means
each weekday that is not a legal holiday in New York, New York and is not a day on which banking institutions in New York, New
York are authorized or obligated by law, regulation or executive order to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Bylaws</U>&rdquo; means the Bylaws
of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Charter</U>&rdquo; means the
Restated Charter of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Dividend Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series A Preferred Stock as to the payment of dividends
(regardless whether such capital stock bears dividends on a non-cumulative or cumulative basis).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Dividend Period</U>&rdquo; means
each period from and including a Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date, except that
the initial Dividend Period shall commence on and include the Original Issue Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Dividend Record Date</U>&rdquo;
has the meaning specified in Section 3(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>DTC</U>&rdquo; means The Depository
Trust Company, together with its successors and assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Liquidation Junior Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, does not expressly provide that it ranks <I>pari passu</I> with or senior to the Series A Preferred Stock as to distributions
upon the liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Liquidation Parity Stock</U>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 1</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">provides that it ranks <I>pari passu</I> with the Series A
Preferred Stock as to distributions upon the liquidation, dissolution or winding-up of the Corporation.</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-indent: 36pt">&ldquo;<U>Liquidation Preference</U>&rdquo;
means, with respect to any class or series of capital stock of the Corporation, the amount otherwise payable upon such class or
series of capital stock in connection with any distribution upon the liquidation, dissolution or winding-up of the Corporation
(assuming no limitation on the assets of the Corporation available for such distribution), including an amount equal to any declared
but unpaid dividends (and in the case of any holder of capital stock on which dividends accrue on a cumulative basis, an amount
equal to any unpaid, accrued, cumulative dividends, whether or not declared, as applicable).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Nonpayment Event</U>&rdquo; has
the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Original Issue Date</U>&rdquo;
means the first date on which any share of Series A Preferred Stock is issued and outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Preferred Stock Director</U>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Redemption Date</U>&rdquo; has
the meaning set forth in Section 5(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Redemption Depository</U>&rdquo;
has the meaning set forth in Section 5(e).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Redemption Price</U>&rdquo; means
an amount equal to the Series A Liquidation Amount plus the per share amount of any declared but unpaid dividends on the Series
A Preferred Stock prior to the Redemption Date (but with no amount in respect of any dividends that have not been declared prior
to the Redemption Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Regulatory Capital Treatment
Event</U>&rdquo; means the good faith determination by the Corporation that, as a result of (i) any amendment to, clarification
of, or change in, the laws or regulations of the United States or any political subdivision of or in the United States that is
enacted or becomes effective after the initial issuance of any share of Series A Preferred Stock, (ii) any proposed change in those
laws or regulations that is announced or becomes effective after the initial issuance of any share of Series A Preferred Stock,
or (iii) any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting
or applying those laws or regulations that is announced after the initial issuance of any share of Series A Preferred Stock, there
is more than an insubstantial risk that the Corporation will not be entitled to treat the full Series A Liquidation Amount of Series
A Preferred Stock then outstanding as &ldquo;tier 1 capital&rdquo; (or its equivalent) for purposes of the capital adequacy guidelines
of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital adequacy guidelines or regulations
of any successor Appropriate Federal Banking Agency) as then in effect and applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Standard Provisions</U>&rdquo;
means these Standard Provisions that form a part of the Articles of Amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&ldquo;<U>Voting Parity Stock</U>&rdquo;
means, with regard to any matter as to which the holders of Series A Preferred Stock are entitled to vote as specified in Section
6, any and all series of Dividend Parity Stock having voting rights equivalent to those described in Section 6(c).</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 2</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 3. <U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rate and Payment</U>. Holders
of Series A Preferred Stock shall be entitled to receive, when, as and if declared by the Board of Directors, out of assets legally
available therefor, non-cumulative cash dividends at a rate equal to 6.20% of the Series A Liquidation Amount <I>per annum</I>,
payable in arrears, on each Dividend Payment Date with respect to the Dividend Period (or portion thereof) ending on the day preceding
such respective Dividend Payment Date. Dividends that are payable on the Series A Preferred Stock on any Dividend Payment Date
shall be payable to holders of record of Series A Preferred Stock as they appear on the Corporation&rsquo;s stock register on the
applicable record date, which shall be the 15th calendar day before the applicable Dividend Payment Date, or such other record
date, no more than 60 calendar days nor less than 10 calendar days before the applicable Dividend Payment Date, as shall be fixed
by the Board of Directors (the &ldquo;<U>Dividend Record Date</U>&rdquo;). A Dividend Record Date established for the Series A
Preferred Stock need not be a Business Day. Any such day that is a Dividend Record Date shall be a Dividend Record Date whether
or not such day is a Business Day. Dividends payable on Series A Preferred Stock shall be computed on the basis of a 360-day year
consisting of twelve 30-day months. Dollar amounts resulting from that calculation shall be rounded to the nearest cent, with one-half
cent being rounded upward. The Corporation shall not pay interest or any sum of money instead of interest on any dividend payment
that may be in arrears on the Series A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends Non-Cumulative</U>.
Dividends on the Series A Preferred Stock will not be cumulative and will not be mandatory. If the Board of Directors does not
declare a dividend on the Series A Preferred Stock in respect of a Dividend Period, then no dividend shall be deemed to have accrued
for such Dividend Period, no dividend shall be payable on the related Dividend Payment Date, and the Corporation shall have no
obligation to pay any dividend for such Dividend Period, whether or not the Board of Directors declares a dividend for any future
Dividend Period with respect to the Series A Preferred Stock or at any future time with respect to any other class or series of
the Corporation&rsquo;s capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Priority Regarding Dividends</U>.
So long as any share of Series A Preferred Stock remains outstanding, unless (A) the full dividends for the most recently completed
Dividend Period have been declared and paid (or declared and a sum sufficient for the payment thereof has been set aside) on all
outstanding shares of Series A Preferred Stock and (B) the Corporation is not in default on its obligation to redeem any shares
of Series A Preferred Stock that have been called for redemption:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">(i) no dividend shall be declared,
paid or set aside for payment, and no distribution shall be declared, made or set aside for payment, on any Junior Stock,
other than (1) a dividend payable solely in Junior Stock or (2) any dividend in connection with the implementation of a
stockholders&rsquo; rights plan, or the redemption or repurchase of any rights under any such plan;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">(ii) no shares of Junior Stock shall be
repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1) as a result
of a reclassification of Junior Stock for or into other Junior Stock, (2) the exchange or conversion of Junior Stock for or into
other Junior Stock, (3) through the use of the proceeds of a sale of other shares of Junior Stock within the preceding 180 days,
(4) purchases, redemptions or other acquisitions of shares of Junior Stock in connection with any</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 3</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">employment contract, benefit plan or other similar arrangement
with or for the benefit of employees, officers, directors or consultants, (5) purchases of shares of Junior Stock pursuant to a
contractually binding requirement to buy Junior Stock existing prior to the most recently completed Dividend Period, including
under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase of fractional
interests in shares of Junior Stock pursuant to the conversion or exchange provisions of such stock or the security being converted
or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries solely for the purpose
of market making, stabilization or customer facilitation transactions in Junior Stock in the ordinary course of business, (8) purchases
by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital stock for resale pursuant to an
offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary, or (9) the acquisition by the
Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Junior Stock for the beneficial ownership of
any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s subsidiaries),
including as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the redemption of
any such securities by the Corporation, and</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-indent: 54pt">(iii) no shares of Dividend Parity Stock
shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1)
pursuant to <I>pro rata</I> offers to purchase all, or a <I>pro rata</I> portion, of the Series A Preferred Stock and such Dividend
Parity Stock, (2) as a result of a reclassification of Dividend Parity Stock for or into other Dividend Parity Stock, (3) the exchange
or conversion of Dividend Parity Stock for or into other Dividend Parity Stock, (4) through the use of the proceeds of a sale of
other shares of Dividend Parity Stock within the preceding 180 days, (5) purchases of shares of Dividend Parity Stock pursuant
to a contractually binding requirement to buy Dividend Parity Stock existing prior to the most recently completed Dividend Period,
including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan), (6) the purchase
of fractional interests in shares of Dividend Parity Stock pursuant to the conversion or exchange provisions of such stock or the
security being converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s broker-dealer subsidiaries
solely for the purpose of market making, stabilization or customer facilitation transactions in Dividend Parity Stock in the ordinary
course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s capital
stock for resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary,
or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Dividend Parity
Stock for the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the
Corporation&rsquo;s subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available for a
sinking fund for the redemption of any such securities by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 54pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">When dividends are not paid in full upon
the shares of Series A Preferred Stock and any Dividend Parity Stock, all dividends paid or declared for payment on a dividend
payment date with respect to the Series A Preferred Stock and the Dividend Parity Stock shall be shared (i) first ratably by the
holders of any Dividend Parity Stock who have the right to receive dividends with respect to past dividend periods for which such
dividends were not</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 4</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">declared and paid, in proportion to the respective amounts
of the undeclared and unpaid dividends relating to past dividend periods, and thereafter (ii) ratably by the holders of Series
A Preferred Stock and any Dividend Parity Stock, in proportion to the respective amounts of the undeclared and unpaid dividends
relating to the current dividend period. To the extent a dividend period with respect to any Dividend Parity Stock coincides with
more than one Dividend Period with respect to the Series A Preferred Stock, for purposes of the immediately preceding sentence
the Board of Directors shall treat such dividend period as two or more consecutive dividend periods, none of which coincides with
more than one Dividend Period with respect to the Series A Preferred Stock or in any manner that it deems to be fair and equitable.
The term &ldquo;<U>dividend period</U>&rdquo; as used in this paragraph means such dividend periods as are provided for in the
terms of any Dividend Parity Stock and, in the case of shares of Series A Preferred Stock, Dividend Periods applicable to shares
of Series A Preferred Stock; and the term &ldquo;<U>dividend payment dates</U>&rdquo; as used in this paragraph means such dividend
payment dates as are provided for in the terms of any Dividend Parity Stock and, in the case of shares of Series A Preferred Stock,
Dividend Payment Dates applicable to shares of Series A Preferred Stock.</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-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends Generally</U>. Subject
to Section 3(c), and not otherwise, dividends (payable in cash, securities or otherwise) as may be determined by the Board of Directors
may be declared and paid on any class or series of Junior Stock or Dividend Parity Stock from time to time out of any assets legally
available therefor, and the holders of Series A Preferred Stock shall not be entitled to participate in any such dividend. Holders
of Series A Preferred Stock shall not be entitled to receive any dividends not declared by the Board of Directors and no interest,
or sum of money in lieu of interest, shall be payable in respect of any dividend not so declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations Under Applicable
Law</U>. Dividends on the Series A Preferred Stock shall not be declared, paid or set aside for payment, if the Corporation fails
to comply, or if and to the extent such act would cause the Corporation to fail to comply, with applicable laws and regulations,
including any capital adequacy guidelines or regulations of the Board of Governors of the Federal Reserve System (or, as and if
applicable, the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 4. <U>Liquidation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voluntary or Involuntary Liquidation</U>.
In the event of any voluntary or involuntary liquidation, dissolution or winding-up of the Corporation, holders of Series A Preferred
Stock shall be entitled to receive out of assets of the Corporation or proceeds thereof available for distribution to stockholders
of the Corporation, after satisfaction of liabilities or obligations to creditors and subject to the rights of holders of any securities
ranking senior to Series A Preferred Stock with respect to distributions upon the voluntary or involuntary liquidation, dissolution
or winding-up of the Corporation, before any distribution of assets is made to holders of any Liquidation Junior Stock, a liquidating
distribution in an amount equal to (i) the Series A Liquidation Amount plus (ii) the per share amount of any declared and unpaid
dividends on the Series A Preferred Stock prior to the date of payment of such liquidating distribution (but without any amount
in respect of dividends that have not been declared prior to such payment date). After payment of the full amount of such</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">liquidating distribution, the holders of Series A Preferred
Stock shall not be entitled to any further participation in any distribution of assets of the Corporation.</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-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial Payment</U>. In any distribution
described in Section 4(a), if the assets of the Corporation or proceeds thereof are not sufficient to pay in full the Liquidation
Preference to all holders of Series A Preferred Stock and all Liquidation Parity Stock, the amounts paid to the holders of Series
A Preferred Stock and to the holders of all Liquidation Parity Stock shall be paid <I>pro rata</I> in accordance with the respective
aggregate Liquidation Preferences of the Series A Preferred Stock and all other series of Liquidation Parity Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Residual Distributions</U>.
If the Liquidation Preference has been paid in full to all holders of Series A Preferred Stock and the Liquidation Preference has
been paid in full on all Liquidation Parity Stock, the holders of any Liquidation Junior Stock shall be entitled to receive all
remaining assets of the Corporation or proceeds thereof according to their respective rights and preferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Merger, Consolidation or Other
Business Combination</U>. For purposes of this Section 4, the merger, consolidation or other business combination of the Corporation
with or into any other entity, or by another entity with or into the Corporation, including a merger, consolidation or other business
combination in which the holders of Series A Preferred Stock receive cash, securities or property for their shares, or the sale,
lease, exchange or transfer of all or substantially all of the property or assets of the Corporation (for cash, securities or other
property), shall not constitute a liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 5. <U>Redemption</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mandatory Redemption; Sinking
Fund</U>. The Series A Preferred Stock is perpetual and has no maturity date. The Series A Preferred Stock is not subject to any
mandatory redemption, sinking fund or other similar provisions. The holders of the Series A Preferred Stock shall not have the
right to require the redemption or repurchase of the Series A Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Optional Redemption</U>. The
Corporation may, at its option through a resolution duly adopted by the Board of Directors, redeem the Series A Preferred Stock
at a price per share equal to the Redemption Price (1) in whole or in part, from time to time, on any Dividend Payment Date on
or after April 10, 2018, or (2) in whole, but not in part, at any time within 90 days following the occurrence of a Regulatory
Capital Treatment Event. The Redemption Price shall be payable to the holder of any shares of Series A Preferred Stock redeemed
on the date fixed for such redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) against the surrender of the certificate(s) evidencing
such shares to the Corporation or its agent, if the shares of Series A Preferred Stock are issued in certificated form; <I>provided</I>
that any declared but unpaid dividends payable on a Redemption Date that occurs subsequent to the Dividend Record Date for a Dividend
Period shall not be paid to the holder of Series A Preferred Stock entitled to receive the Redemption Price on the Redemption Date,
but rather shall be paid to the holder of record of the redeemed shares on such Dividend Record Date relating to the Dividend Payment
Date as provided in Section 3 above.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice of Redemption</U>. If
any shares of Series A Preferred Stock are to be redeemed, a notice of redemption shall be given by first class mail to the holders
of record of</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 6</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Series A Preferred Stock to be redeemed at their respective
last addresses appearing on the books of the Corporation (provided that, if Series A Preferred Stock is held in book-entry form
through DTC, the Corporation may give such notice in any manner permitted by DTC). Such notice shall be mailed at least 30 days
and no more than 60 days before the applicable Redemption Date for such shares. Each such notice of redemption shall include a
statement setting forth: (1) the Redemption Date for such shares of Series A Preferred Stock; (2) the number of shares of Series
A Preferred Stock to be redeemed and, if less than all the shares held by such holder are to be redeemed, the number of such shares
to be redeemed from such holder; (3) the Redemption Price; and (4) the place or places where the certificates evidencing shares
of Series A Preferred Stock are to be surrendered for payment of the Redemption Price. Any notice of redemption mailed or otherwise
delivered as provided in this Section 5(c) shall be conclusively presumed to have been duly given, whether or not any holder of
Series A Preferred Stock receives such notice. Failure to duly give notice by mail or otherwise pursuant to this Section 5(c),
or any defect in such notice or in the mailing or provision of such notice, to any holder of shares of Series A Preferred Stock
designated for redemption shall not affect the validity of the proceedings for the redemption of any other shares of Series A Preferred
Stock.</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-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial Redemption</U>. In case
of any redemption of only part of the shares of Series A Preferred Stock at the time outstanding, the shares of Series A Preferred
Stock to be redeemed shall be selected either <I>pro rata</I>, by lot or in such other manner as the Corporation, through a resolution
duly adopted by the Board of Directors, may determine to be fair and equitable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effectiveness of Redemption</U>.
If notice of redemption has been duly given and if on or before the Redemption Date specified in such notice all funds necessary
for the redemption have been set aside by the Corporation, separate and apart from its other assets, in trust for the <I>pro rata</I>
benefit of the holders of the shares of Series A Preferred Stock called for redemption, so as to be and continue to be available
therefor, or deposited by the Corporation with a bank or trust company selected by the Corporation (the &ldquo;<U>Redemption Depository</U>&rdquo;)
in trust for the <I>pro rata</I> benefit of the holders of the shares called for redemption, then, notwithstanding that any certificate
for any share so called for redemption has not been surrendered for cancellation, on and after the Redemption Date all shares of
Series A Preferred Stock called for redemption shall cease to be outstanding, all dividends with respect to such shares of Series
A Preferred Stock shall cease to accrue after such Redemption Date, and all rights with respect to such shares shall forthwith
on such Redemption Date cease and terminate, except only the right of the holders thereof to receive the amount payable on such
redemption from the Redemption Depository at any time after the applicable Redemption Date from the funds so deposited, without
interest. The Corporation shall be entitled to receive, from time to time, from the Redemption Depository any interest accrued
on such funds, and the holders of any shares called for redemption shall have no claim to any such interest. Any funds so deposited
and unclaimed at the end of two years from the applicable Redemption Date shall, to the extent permitted by law, be released or
repaid to the Corporation, and in the event of such repayment to the Corporation, the holders of record of the shares of Series
A Preferred Stock called for redemption shall thereafter, as unsecured general creditors of the Corporation, look only to the Corporation
for</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 7</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">the payment of an amount equivalent to the amount deposited
as stated above for the redemption of such shares, but shall in no event be entitled to any interest.</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-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations Under Applicable
Law</U>. If then required under the capital adequacy guidelines or regulations of the Board of Governors of the Federal Reserve
System (or, if and as applicable, the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency),
any redemption of all or part of the Series A Preferred Stock is subject to the receipt by the Corporation of any required prior
approval by the Board of Governors of the Federal Reserve System (or such successor Appropriate Federal Banking Agency).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 6. <U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>. Except as provided
below or as expressly required by law, the holders of shares of Series A Preferred Stock shall have no voting power, and no right
to vote on any matter at any time, either as a separate series or class or together with any other series or class of shares of
capital stock of the Corporation, and shall not be entitled to call a meeting of the holders of any series or class of capital
stock of the Corporation for any purpose, nor shall they be entitled to participate in any meeting of the holders of the Common
Stock. Each holder of Series A Preferred Stock shall have one vote per share (except as set forth otherwise in this Section 6)
on any matter on which holders of Series A Preferred Stock are entitled to vote, including when acting by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Supermajority Voting Rights</U>.
So long as any shares of Series A Preferred Stock remain outstanding, in addition to any other vote or consent of stockholders
required by law or the Charter, the affirmative vote or consent of the holders of at least two-thirds of all of the shares of Series
A Preferred Stock at the time outstanding and entitled to vote thereon, voting separately as a single class, shall be required
to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;authorize or increase the authorized
amount of, or issue shares of, any class or series of capital stock of the Corporation ranking senior to the Series A Preferred
Stock with respect to payment of dividends or as to distributions upon the liquidation, dissolution or winding-up of the Corporation,
or issue any obligation or security convertible into or evidencing the right to purchase, any such class or series of capital stock
of the Corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend the provisions of the Charter
or Bylaws so as to materially and adversely affect the special powers, preferences, privileges or rights of Series A Preferred
Stock, taken as a whole; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;consummate a binding share-exchange
or reclassification involving the Series A Preferred Stock, or a merger or consolidation of the Corporation with or into another
entity, unless the shares of Series A Preferred Stock (i) remain outstanding or (ii) are converted into or exchanged for preference
securities of the surviving entity or any entity controlling such surviving entity and such new preference securities have terms
that are not materially less favorable than those of the Series A Preferred Stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>provided</I>, <I>however</I>, that, for all purposes of
this Section 6(b), the authorization, creation and issuance, or an increase in the authorized or issued amount of, Junior Stock
or any series of Preferred Stock, or any securities convertible into or exchangeable or exercisable for Junior Stock or any series
of Preferred Stock, that by its terms expressly provides that it ranks <I>pari</I></P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 8</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>passu</I> with the Series A Preferred Stock with respect
to the payment of dividends (whether such dividends are cumulative or non-cumulative) and as to distributions upon the liquidation,
dissolution or winding-up of the Corporation shall not be deemed to materially and adversely affect the powers, preferences, privileges
or rights of Series A Preferred Stock, and shall not require the affirmative vote or consent of, the holders of any outstanding
shares of Series A Preferred Stock.</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-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Election of Directors under Certain
Circumstances</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If and when dividends on the Series
A Preferred Stock and any other class or series of Voting Parity Stock have not been declared and paid (i) in the case of the Series
A Preferred Stock and any other class or series of Voting Parity Stock bearing non-cumulative dividends, in full for at least six
quarterly dividend periods or their equivalent (whether or not consecutive) or (ii) in the case of any class or series of Voting
Parity Stock bearing cumulative dividends, in an aggregate amount equal to full dividends for at least six quarterly dividend periods
or their equivalent (whether or not consecutive) (each, a &ldquo;<U>Nonpayment Event</U>&rdquo;), the number of directors then
constituting the Board of Directors shall automatically be increased by two and the holders of Series A Preferred Stock, together
with the holders of any outstanding shares of Voting Parity Stock, voting together as a single class, shall be entitled to elect
the two additional directors (the &ldquo;<U>Preferred Stock Directors</U>&rdquo;) at any annual or special meeting of stockholders
at which directors are to be elected or any special meeting of the holders of the Series A Preferred Stock and any Voting Parity
Stock for which dividends have not been paid; <I>provided</I> that it shall be a qualification for election for any such Preferred
Stock Director that the election of such director shall not cause the Corporation to violate the corporate governance requirement
of the New York Stock Exchange (or any other securities exchange or other trading facility on which securities of the Corporation
may then be listed or traded) and <I>provided</I>,<I> further</I>, that the Board of Directors shall at no time include more than
two Preferred Stock Directors (including, for purposes of this limitation, all directors that the holders of any series of Voting
Parity Stock are entitled to elect pursuant to like voting rights).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that the holders of
Series A Preferred Stock and, if applicable, such other holders of Voting Parity Stock shall be entitled to vote for the election
of the Preferred Stock Directors following a Nonpayment Event, such directors shall be initially elected following such Nonpayment
Event only at a special meeting called by the Secretary of the Corporation or at the written request of the holders of record of
at least 20% of the aggregate number of shares of Series A Preferred Stock and each other series of Voting Parity Stock which then
have the right to exercise voting rights similar to those described above then outstanding (unless such request for a special meeting
is received less than 90 days before the date fixed for the next annual or special meeting of the stockholders of the Corporation,
in which event such election shall be held only at such next annual or special meeting of stockholders), and at each subsequent
annual meeting of stockholders of the Corporation. Such request to call a special meeting for the initial election of the Preferred
Stock Directors after a Nonpayment Event shall be made by written notice, signed by the requisite holders of Series A Preferred
Stock or Voting Parity Stock, and delivered to the Secretary of the Corporation in such manner as provided for in Section 10 below,
or as may</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 9</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">otherwise be required by applicable law. If the Secretary
of the Corporation fails to call a special meeting for the election of the Preferred Stock Directors within 20 days of receiving
proper notice, any holder of Series A Preferred Stock may call such a meeting at the Corporation&rsquo;s expense solely for the
election of the Preferred Stock Directors, and for this purpose only such Series A Preferred Stock holder shall have access to
the Corporation&rsquo;s stock ledger. The Preferred Stock Directors elected at any such special meeting shall hold office until
the next annual meeting of the stockholders if such office shall not have previously terminated as below provided.</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-indent: 72pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When dividends have been paid
in full on the Series A Preferred Stock and any and all series of non-cumulative Voting Parity Stock (other than the Series A Preferred
Stock) for consecutive Dividend Periods equivalent to at least one year after a Nonpayment Event and all dividends on any cumulative
Voting Parity Stock have been paid in full, then the right of the holders of Series A Preferred Stock to elect the Preferred Stock
Directors shall cease (but subject always to re-vesting of such voting rights in the case of any future Nonpayment Event), and,
if and when any rights of holders of Series A Preferred Stock and Voting Parity Stock to elect the Preferred Stock Directors shall
have ceased, the terms of office of all the Preferred Stock Directors shall forthwith terminate and the number of directors constituting
the Board of Directors shall automatically be reduced accordingly.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any Preferred Stock Director may
be removed at any time without cause by the holders of record of a majority of the outstanding shares of Series A Preferred Stock
and Voting Parity Stock, when they have the voting rights described above (voting together as a single class). In case any vacancy
shall occur among the Preferred Stock Directors, a successor shall be elected by the Board of Directors to serve until the next
annual meeting of the stockholders upon the nomination of the then remaining Preferred Stock Director or, if no Preferred Stock
Director remains in office, by the vote of the holders of record of a majority of the outstanding shares of Series A Preferred
Stock and such Voting Parity Stock, voting as a single class. The Preferred Stock Directors shall each be entitled to one vote
per director on any matter that shall come before the Board of Directors for a vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes after Provision for Redemption</U>.
The voting rights provided in this Section 6 shall not apply if, at or prior to the time when the act with respect to which such
vote or consent would otherwise be required shall be effected, all outstanding shares of Series A Preferred Stock have been redeemed
or called for redemption upon proper notice and sufficient funds have been set aside in accordance with Section 5(e).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes for Clarification</U>.
Without the consent of the holders of Series A Preferred Stock, so long as such action does not materially and adversely affect
the rights, preferences, privileges and voting powers, and limitations and restrictions thereof, of the Series A Preferred Stock,
the Corporation may amend, alter, supplement or repeal any terms of the Series A Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to cure any ambiguity, or to cure,
correct or supplement any provision contained in this Articles of Amendment that may be defective or inconsistent; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 72pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to make any provision with respect
to matters or questions arising with respect to the Series A Preferred Stock that is not inconsistent with the provisions of this
Articles of Amendment.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 10</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures for Voting and Consents</U>.
The rules and procedures for calling and conducting any meeting of the holders of Series A Preferred Stock (including, without
limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such a meeting, the obtaining
of written consents and any other aspect or matter with regard to such a meeting or such consents shall be governed by any rules
the Board of Directors, in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements
of the Charter, the Bylaws, applicable law and any national securities exchange or other trading facility on which the Series A
Preferred Stock is listed or traded at the time. Whether the vote or consent of the holders of a majority or other portion of the
shares of Series A Preferred Stock and any Voting Parity Stock has been cast or given on any matter on which the holders of shares
of Series A Preferred Stock are entitled to vote shall be determined by the Corporation by reference to the respective liquidation
preference amounts of the shares of Series A Preferred Stock and Voting Parity Stock voted or covered by the consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 7. <U>Conversion Rights</U>. The
holders of shares of Series A Preferred Stock shall not have any rights to convert such shares into shares of any other class or
series of securities of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 8. <U>Preemptive Rights</U>. The
holders of shares of Series A Preferred Stock shall have no preemptive rights with respect to any shares of the Corporation&rsquo;s
capital stock or any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 9. <U>Record Holders</U>. To the
fullest extent permitted by applicable law, the Corporation and the transfer agent for the Series A Preferred Stock may deem and
treat the record holder of any share of Series A Preferred Stock as the true and lawful owner thereof for all purposes, and neither
the Corporation nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 10. <U>Notices</U>. All notices
or communications in respect of the Series A Preferred Stock shall be sufficiently given if given in writing and delivered in person
or by first class mail or if giving in such other manner as may be permitted herein, in the Charter or Bylaws or by applicable
law. Delivery of a notice or communication to the Company will be effective upon receipt. Delivery of a notice or communication
to holders of shares of Series A Preferred Stock will be effective upon, in the case of personal delivery, receipt or, in the case
of mailing, deposit in the mail, postage prepaid. Notwithstanding the foregoing, if shares of Series A Preferred Stock or depositary
shares representing an interest in shares of Series A Preferred Stock are issued in book-entry form through DTC, such notices may
be given to the holders of the Series A Preferred Stock in any manner permitted by DTC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 11. <U>Stock Certificates</U>.
The Corporation may at its option issue shares of Series A Preferred Stock without certificates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 12. <U>Other Rights</U>. The Series
A Preferred Stock shall not have any powers, preferences, privileges or rights other than as set forth herein or in the Charter
or as provided by applicable law.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX A</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 11</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STANDARD PROVISIONS SERIES B</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-indent: 36pt"><FONT STYLE="color: #010000">Section 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">As used herein with respect to Series B
Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Business Day</I>&rdquo;
shall mean (i) with respect to the Fixed Rate Period, any weekday in New York, New York that is not a day on which banking institutions
in such city are authorized or required by law, regulation, or executive order to be closed and (ii) with respect to the Floating
Rate Period, any weekday in New York, New York that is not a day on which banking institutions in such city are authorized or required
by law, regulation, or executive order to be closed, and additionally, is a London Banking Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Determination
Date</I>&rdquo; shall have the meaning set forth in Section (2)(G) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Payment Dates</I>&rdquo;
shall have the meaning set forth in Section (2)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Period</I>&rdquo;
shall mean the period from, and including, each Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date,
except for the initial Dividend Period, which shall be the period from, and including, February 1, 2020<SUP> </SUP>to, but excluding,
the next succeeding Dividend Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed Period Dividend
Payment Date</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating Period Dividend
Payment Date</I>&rdquo; shall have the meaning set forth in Section (2)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed Rate Period</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating Rate Period</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Junior Stock</I>&rdquo;
shall mean the Corporation&rsquo;s common stock and any other class or series of the Corporation&rsquo;s capital stock over which
the Series B Preferred Stock has preference or priority in the payment of dividends or in the distribution of assets on the liquidation,
dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Liquidation Preference</I>&rdquo;
shall mean $10,000 per share of Series B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(K)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>London Banking Day</I>&rdquo;
shall mean any day on which commercial banks are open dealings in deposits in U.S. dollars in the London interbank market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(L)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Nonpayment</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(M)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Optional Redemption</I>&rdquo;
shall have the meaning set forth in Section (4)(A) hereof.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 1</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(N)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Parity Stock</I>&rdquo;
shall mean any class or series of the Corporation&rsquo;s capital stock that ranks on a par with the Series B Preferred Stock in
the payment of dividends and in the distribution of assets on the liquidation, dissolution or winding up of the Corporation, which
shall include the Series A Preferred Stock, the Series C Preferred Stock, the Series D Preferred Stock and the Series E Preferred
Stock and any class or series of the Corporation&rsquo;s stock hereafter authorized that ranks on a par with the Series B Preferred
Stock in the payment of dividends and in the distribution of assets on any liquidation, dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(O)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Preferred Stock Directors</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(P)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory Capital Treatment
Event</I>&rdquo; shall mean a good faith determination by the Corporation that, as a result of any (i) amendment to, clarification
of, or change (including any announced prospective change) in, the laws or regulations of the United States or any political subdivision
of or in the United States that is enacted or becomes effective after the initial issuance of the Series B Preferred Stock; (ii)
proposed change in those laws or regulations that is announced or becomes effective after the initial issuance of the Series B
Preferred Stock; or (iii) official administrative decision or judicial decision or administrative action or other official pronouncement
interpreting or applying those laws or regulations that is announced or becomes effective after the initial issuance of the Series
B Preferred Stock, there is more than an insubstantial risk that the Corporation shall not be entitled to treat the full liquidation
value of the Series B Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo; (or its equivalent) for purposes of the
capital adequacy laws or regulations of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital
adequacy laws or regulations of any successor appropriate federal banking agency), as then in effect and applicable, for as long
as any share of Series B Preferred Stock is outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(Q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory Event Redemption</I>&rdquo;
shall have the meaning set forth in Section (4)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(R)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Spread</I>&rdquo; shall
have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(S)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Three-month LIBOR</I>&rdquo;
shall mean the London interbank offered rate for deposits in U.S. dollars for a three month period, as that rate appears on Reuters
screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement page) at approximately 11:00 a.m., London time, on the relevant
Dividend Determination Date. If no offered rate appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement
page) on the relevant Dividend Determination Date at approximately 11:00 a.m., London time, then the calculation agent, in consultation
with the Corporation, shall select four major banks in the London interbank market and shall request each of their principal London
offices to provide a quotation of the rate at which three-month deposits in U.S. dollars in amounts of at least $1,000,000 are
offered by it to prime banks in the London interbank market, on that date and at that time. If at least two quotations are provided,
Three-month LIBOR shall be the arithmetic average (rounded upward if necessary to the nearest .00001 of 1%) of the quotations provided.
Otherwise, the Calculation Agent in consultation with the Corporation shall select three major banks in New York City and shall
request each of them to provide a quotation of the rate offered by it at approximately 11:00 a.m., New York City time, on the Dividend
Determination Date for loans in U.S. dollars to leading European banks for a three month</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 2</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">period for the applicable Dividend Period in an amount of
at least $1,000,000. If three quotations are provided, Three-month LIBOR shall be the arithmetic average of the quotations provided.
Otherwise, Three-month LIBOR for the next Dividend Period shall be equal to Three-month LIBOR in effect for the then-current Dividend
Period or, in the case of the first Dividend Period in the Floating Rate Period, the most recent rate on which Three-month LIBOR
could have been determined in accordance with the first sentence of this Section had the dividend rate been a floating rate during
the Fixed Rate Period.</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-indent: 36pt">(T)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Voting Parity Stock</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of the Series B Preferred
Stock shall be entitled to receive, only when, as, and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized
committee thereof), out of assets legally available under applicable law for payment, non-cumulative cash dividends based on the
Liquidation Preference, and no more, at a rate equal to (1) 6.625% per annum, for each semi-annual Dividend Period occurring from,
and including, February 1, 2020 to, but excluding, August 1, 2025 (the &ldquo;<I>Fixed Rate Period</I>&rdquo;), and (2) thereafter,
Three-month LIBOR plus a spread of 426.2 basis points per annum (the &ldquo;<I>Spread</I>&rdquo;), for each quarterly Dividend
Period beginning August 1, 2025 (the &ldquo;<I>Floating Rate Period</I>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When, as, and if declared by the
Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof) (1) during the Fixed Rate Period, the Corporation
shall pay cash dividends on the Series B Preferred Stock semi-annually, in arrears, on February 1 and August 1 of each year (each
such date, a &ldquo;<I>Fixed Period Dividend Payment Date</I>&rdquo;), beginning on August 1, 2020, and, when, as and if declared
by the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof) and (2) during the Floating Rate Period,
the Corporation shall pay cash dividends on the Series B Preferred Stock quarterly, in arrears, on February 1, May 1, August 1,
and November 1 of each year, beginning on November 1, 2025 (each such date, a &ldquo;<I>Floating Period Dividend Payment Date</I>,&rdquo;
and together with the Fixed Period Dividend Payment Dates, the &ldquo;<I>Dividend Payment Dates</I>&rdquo;). The Corporation shall
pay cash dividends to the holders of record of shares of the Series B Preferred Stock as such holders appear on the Corporation&rsquo;s
stock register on the applicable record date, which shall be the fifteenth calendar day before that Dividend Payment Date or such
other record date fixed by our Board of Directors (or a duly authorized committee thereof) that is not more than 60 nor less than
10 days prior to such Dividend Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any Dividend Payment Date on
or prior to August 1, 2025 is a day that is not a Business Day, then the dividend with respect to that Dividend Payment Date shall
instead be paid on the immediately succeeding Business Day, without interest or other payment in respect of such delayed payment.
If any Dividend Payment Date after August 1, 2025 is a day that is not a Business Day, then the Dividend Payment Date shall be
the immediately succeeding Business Day unless such day falls in the next calendar month, in which case the Dividend Payment Date
shall instead be the immediately preceding day that is a Business Day, and dividends will accumulate to the Dividend Payment Date
as so adjusted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation shall calculate
dividends on the Series B Preferred Stock for the Fixed Rate Period on the basis of a 360-day year of twelve 30-day months. The</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 3</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Corporation shall calculate dividends on the Series B Preferred
Stock for the Floating Rate Period on the basis of the actual number of days in a Dividend Period and a 360-day year. Dollar amounts
resulting from such calculation shall be rounded to the nearest cent, with one-half cent being rounded upward.</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-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series B Preferred
Stock shall not be cumulative or mandatory. If the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof)
does not declare a dividend on the Series B Preferred Stock for any Dividend Period prior to the related Dividend Payment Date,
that dividend shall not accumulate, and the Corporation shall have no obligation to pay a dividend for that Dividend Period at
any time, whether or not dividends on the Series B Preferred Stock or any other series of our preferred stock or common stock are
declared for any future Dividend Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series B Preferred
Stock shall accumulate from February 1, 2020 at the then-applicable dividend rate on the liquidation preference amount of $10,000
per share. If the Corporation issues additional shares of the Series B Preferred Stock, dividends on those additional shares shall
accumulate from the original issue date of those additional shares at the then-applicable dividend rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The dividend rate for each Dividend
Period in the Floating Rate Period shall be determined by the Calculation Agent using Three-month LIBOR as in effect on the second
London Banking Day prior to the beginning of the Dividend Period, which date shall be the &ldquo;<I>Dividend Determination Date</I>&rdquo;
for the relevant Dividend Period. The Calculation Agent then shall add Three-month LIBOR as determined on the Dividend Determination
Date and the applicable Spread. Once the dividend rate for the Series B Preferred Stock is determined, the Calculation Agent shall
deliver that information to the Corporation and the Transfer Agent. Absent manifest error, the Calculation Agent&rsquo;s determination
of the dividend rate for a Dividend Period for the Series B Preferred Stock shall be final.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any share of Series B
Preferred Stock remains outstanding:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall be declared
and paid or set aside for payment and no distribution shall be declared and made or set aside for payment on any Junior Stock (other
than a dividend payable solely in shares of Junior Stock or any dividend in connection with the implementation of a stockholder
rights plan or the redemption or repurchase of any rights under such a plan)&#894;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Junior Stock
shall be repurchased, redeemed, or otherwise acquired for consideration by the Corporation, directly or indirectly (other than
as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or conversion into Junior
Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Junior Stock or pursuant to a
contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing prior to the most recently
completed Dividend Period), nor shall any monies be paid to or made available for a sinking fund for the redemption of any such
securities by the Corporation&#894; and</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 4</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Parity Stock
shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant to pro rata offers
to purchase all, or a pro rata portion, of the Series B Preferred Stock and such Parity Stock, through the use of the proceeds
of a substantially contemporaneous sale of other shares of Parity Stock or Junior Stock, as a result of a reclassification of Parity
Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period, unless, in
each case, the full dividends for the most recently completed Dividend Period on all outstanding shares of the Series B Preferred
Stock have been declared and paid in full or declared and a sum sufficient for the payment of those dividends has been set aside.
The foregoing limitations shall not apply to purchases or acquisitions of the Corporation&rsquo;s Junior Stock pursuant to any
employee or director incentive or benefit plan or arrangement (including any of the Corporation&rsquo;s employment, severance,
or consulting agreements) of the Corporation or of any of the Corporation&rsquo;s subsidiaries heretofore or hereafter adopted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided below, for so
long as any share of Series B Preferred Stock remains outstanding, the Corporation shall not declare, pay, or set aside for payment
full dividends on any Parity Stock unless the Corporation has paid in full, or set aside payment in full, in respect of all accumulated
dividends for all Dividend Periods for outstanding shares of Series B Preferred Stock. To the extent that the Corporation declares
dividends on the Series B Preferred Stock and on any Parity Stock but cannot make full payment of such declared dividends, the
Corporation shall allocate the dividend payments on a pro rata basis among the holders of the shares of Series B Preferred Stock
and the holders of any Parity Stock then outstanding. For purposes of calculating the pro rata allocation of partial dividend payments,
the Corporation shall allocate dividend payments based on the ratio between the then current and accumulated dividend payments
due on the shares of Series B Preferred Stock and (1) in the case of cumulative Parity Stock the aggregate of the accumulated and
unpaid dividends due on any such Parity Stock and (2) in the case of non-cumulative Parity Stock the aggregate of the declared
but unpaid dividends due on any such Parity Stock. No interest shall be payable in respect of any dividend payment on Series B
Preferred Stock that may be in arrears.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the foregoing conditions,
and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by the Corporation&rsquo;s Board of Directors
(or a duly authorized committee thereof), may be declared and paid on the Corporation&rsquo;s common stock and any Junior Stock
from time to time out of any funds legally available for such payment, and the holders of the Series B Preferred Stock shall not
be entitled to participate in such dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of any voluntary or
involuntary liquidation, dissolution or winding up of the Corporation, the holders of the shares of Series B Preferred Stock then
outstanding shall be entitled to be paid out of the Corporation&rsquo;s assets legally available for distribution to the Corporation&rsquo;s
stockholders, before any distribution of assets is made to holders of common stock or any other Junior Stock, a liquidating distribution
in the amount</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">equal to the sum of (1) the Liquidation Preference, plus (2)
the sum of any declared and unpaid dividends for prior Dividend Periods prior to the Dividend Period in which the liquidation distribution
is made and any declared and unpaid dividends for the then current Dividend Period in which the liquidation distribution is made
to the date of such liquidation distribution. After payment of the full amount of the liquidating distributions to which they are
entitled pursuant to the foregoing, the holders of Series B Preferred Stock shall have no right or claim to any remaining assets
of the Corporation.</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-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that, upon any such
voluntary or involuntary liquidation, dissolution or winding up, the available assets of the Corporation are insufficient to pay
the amount of the liquidating distributions on all outstanding shares of Series B Preferred Stock and the corresponding amounts
payable on all shares of Parity Stock in the distribution of assets upon any liquidation, dissolution or winding up of the Corporation,
then the holders of the Series B Preferred Stock and such Parity Stock shall share ratably in any such distribution of assets in
proportion to the full liquidating distributions to which they respectively would be entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of this Section
(3), the merger or consolidation of the Corporation with or into any other entity or by another entity with or into the Corporation
or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation (for cash, securities
or other consideration) shall not be deemed to constitute the liquidation, dissolution or winding up of the Corporation. If the
Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation is not the surviving
entity in such transaction, the Series B Preferred Stock may be converted into shares of the surviving or successor corporation
or the direct or indirect parent of the surviving or successor corporation having terms identical to the terms of the Series B
Preferred Stock set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the further terms and
conditions provided herein, the Corporation may redeem the Series B Preferred Stock, in whole or in part, at its option, for cash,
on any Dividend Payment Date on or after August 1, 2025, with not less than 30 days&rsquo; and not more than 60 days&rsquo; notice
(&ldquo;<I>Optional Redemption</I>&rdquo;), subject to the approval of the appropriate federal banking agency, at the redemption
price provided in Section (4)(C) below. Dividends shall not accumulate on those shares of Series B Preferred Stock so redeemed
on and after the applicable redemption date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, the Corporation may,
redeem the Series B Preferred Stock, in whole but not in part, at its option, for cash, at any time within 90 days following a
Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency, at the redemption price
provided in Section (4)(C) below (a &ldquo;<I>Regulatory Event Redemption</I>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The redemption price for any redemption
of Series B Preferred Stock, whether an Optional Redemption or Regulatory Event Redemption, shall be equal to (i) $10,000 per share
of Series B Preferred Stock, plus any declared and unpaid dividends (without regard to any undeclared dividends) to, but excluding,
the date of redemption.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 6</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any notice given as provided in
this Section (4) shall be conclusively presumed to have been duly given, whether or not the holder receives the notice, and any
defect in the notice or in the provision of the notice, to any holder of shares of Series B Preferred Stock designated for redemption
will not affect the redemption of any other shares of Series B Preferred Stock. Any notice provided to a holder of Series B Preferred
Stock shall be deemed given on the date provided, whether or not the holder actually receives the notice. A notice of redemption
shall be given not less than 30 days and not more than 60 days prior to the date of redemption specified in the notice, and shall
specify (i) the redemption date, (ii) the redemption price, (iii) if fewer than all shares of Series B Preferred Stock are to be
redeemed, the number of shares of Series B Preferred Stock to be redeemed and (iv) the manner in which holders of Series B Preferred
Stock called for redemption may obtain payment of the redemption price in respect of those shares. Notwithstanding anything to
the contrary in this paragraph, if the Series B Preferred Stock is issued in book-entry form through The Depositary Trust Company
or any other similar facility, notice of redemption may be given to the holders of Series B Preferred Stock at such time and in
any manner permitted by such facility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If notice of redemption of any shares
of Series B Preferred Stock has been given by the Corporation and if the funds necessary for such redemption have been set aside
by the Corporation in trust for the benefit of the holders of any shares of Series B Preferred Stock, then from and after the Redemption
Date such shares of Series B Preferred Stock shall no longer be outstanding for any purpose, all dividends with respect to such
shares of Series B Preferred Stock shall cease to accumulate from the Redemption Date and all rights of the holders of such shares
shall terminate, except the right to receive the Redemption Price, without interest. Series B Preferred Stock redeemed pursuant
to this Section (4) or purchased or otherwise acquired for value by the Corporation shall, after such acquisition, have the status
of authorized and unissued shares of preferred stock and may be reissued by the Corporation at any time as shares of any series
of preferred stock other than as Series B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that fewer than all
the outstanding shares of Series B Preferred Stock are to be redeemed, the shares of Series B Preferred Stock to be redeemed shall
be selected either pro rata or by lot or in such other manner as the Board of Directors of the Corporation (or a duly authorized
committee thereof), determines to be fair and equitable, subject to the provisions hereof. The Board of Directors of the Corporation
(or a duly authorized committee thereof) shall have the full power and authority to prescribe the terms and conditions upon which
such shares of Series B Preferred Stock may be redeemed from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No holder of Series B Preferred
Stock shall have the right to require the redemption of the Series B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of Series B Preferred Stock
shall not have any voting rights, except as set forth below or as otherwise required by the Tennessee Business Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever dividends payable on the
Series B Preferred Stock or any other class or series of preferred stock ranking equally with the Series B Preferred Stock, including
the Series A Preferred Stock, the Series C Preferred Stock, the Series D Preferred Stock and</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 7</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">the Series E Preferred Stock, as to payment of dividends,
and upon which voting rights equivalent to those described in this paragraph have been conferred and are exercisable, have not
been declared and paid in an aggregate amount equal to, as to any class or series, the equivalent of at least three or more semi-annual
or six or more quarterly Dividend Periods, as applicable, whether or not for consecutive Dividend Periods (a &ldquo;<I>Nonpayment</I>&rdquo;),
the holders of outstanding shares of the Series B Preferred Stock voting as a class with holders of shares of any other series
of our preferred stock ranking equally with the Series B Preferred Stock, including the Series A Preferred Stock, the Series C
Preferred Stock, the Series D Preferred Stock and the Series E Preferred Stock, as to payment of dividends, and upon which like
voting rights have been conferred and are exercisable (&ldquo;<I>Voting Parity Stock</I>&rdquo;), shall be entitled to vote for
the election of two additional directors of the Board of Directors of the Corporation on the terms set forth in this Section (5)
(and to fill any vacancies in the terms of such directorships) (the &ldquo;<I>Preferred Stock Directors</I>&rdquo;). Holders of
all series of our Voting Parity Stock shall vote as a single class. In the event that the holders of the shares of the Series B
Preferred Stock are entitled to vote as described in this Section (5), the number of members of the Corporation&rsquo;s Board of
Directors at that time shall be increased by two directors, and the holders of the Series B Preferred Stock shall have the right,
as members of that class, to elect two directors at a special meeting called at the request of the holders of record of at least
20% of the aggregate voting power of the Series B Preferred Stock or any other series of Voting Parity Stock (unless such request
is received less than 90 days before the date fixed for the Corporation&rsquo;s next annual or special meeting of the stockholders,
in which event such election shall be held at such next annual or special meeting of the stockholders), provided that the election
of any Preferred Stock Directors shall not cause the Corporation to violate the corporate governance requirements of the New York
Stock Exchange (or any other exchange on which the securities of the Corporation may at such time be listed) that listed companies
must have a majority of independent directors, and provided further that at no time shall the Board of Directors of the Corporation
include more than two Preferred Stock Directors.</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-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Preferred Stock Directors elected
at any such special meeting shall hold office until the next annual meeting of the Corporation&rsquo;s stockholders unless they
have been previously terminated or removed pursuant to Section (5)(D). In case any vacancy in the office of a Preferred Stock Director
occurs (other than prior to the initial election of the Preferred Stock Directors), the vacancy may be filled by the written consent
of the Preferred Stock Director remaining in office, or if none remains in office, by the vote of the holders of the Series B Preferred
Stock (together with holders of any Voting Parity Stock) to serve until the next annual meeting of the stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When the Corporation has paid full
dividends on the Series B Preferred Stock for the equivalent of at least two semi-annual or four quarterly Dividend Periods, as
applicable, following a Nonpayment, then the right of the holders of Series B Preferred Stock to elect the Preferred Stock Directors
set forth in this Section (5) shall cease (except as provided by law and subject always to the same provisions for the vesting
of the special voting rights in the case of any future Nonpayment). Upon termination of the right of the holders of the Series
B Preferred Stock and Voting Parity Stock to vote for Preferred Stock Directors as set forth in this Section (5), the term of office
of all Preferred Stock Directors then in office elected by only those holders shall terminate immediately. Whenever the term</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 8</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">of office of the Preferred Stock Directors ends and the related
voting rights have expired, the number of directors automatically will be decreased to the number of directors as otherwise would
prevail. Any Preferred Stock Director may be removed at any time without cause by the holders of record of a majority of the outstanding
shares of the Series B Preferred Stock (together with holders of any Voting Parity Stock) when they have the voting rights described
in Section (5)(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; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any shares of Preferred
Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent of holders of at least 66&#8532;%
in voting power of the Series B Preferred Stock and any Voting Parity Stock, voting together as a single class, given in person
or by proxy, either in writing without a meeting or at any meeting called for the purpose, authorize, create or issue any capital
stock ranking senior to the Series B Preferred Stock as to dividends or the distribution of assets upon liquidation, dissolution
or winding up, or reclassify any authorized capital stock into any such shares of such capital stock or issue any obligation or
security convertible into or evidencing the right to purchase any such shares of capital stock. Further, so long as any shares
of the Series B Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote of the holders of at
least 66&#8532;% in voting power of the Series B Preferred Stock, amend, alter or repeal any provision of these Articles of Amendment
or the Restated Charter of the Corporation, including by merger, consolidation or otherwise, so as to adversely affect the powers,
preferences or special rights of the Series B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Notwithstanding the foregoing, (i) any
increase in the amount of authorized common stock or authorized preferred stock, or any increase or decrease in the number of shares
of any series of preferred stock, or the authorization, creation and issuance of other classes or series of capital stock, in each
case ranking on parity with or junior to the shares of the Series B Preferred Stock as to dividends and distribution of assets
upon liquidation, dissolution or winding up, shall not be deemed to adversely affect such powers, preferences or special rights
and (ii) a merger or consolidation of the Corporation with or into another entity in which the shares of the Series B Preferred
Stock (A) remain outstanding or (B) are converted into or exchanged for preference securities of the surviving entity or any entity,
directly or indirectly, controlling such surviving entity and such new preference securities have powers, preferences and special
rights that are not materially less favorable than the Series B Preferred Stock shall not be deemed to adversely affect the powers,
preferences or special rights of the Series B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice for a special meeting to
elect the Preferred Stock Directors shall be given in a similar manner to that provided in the Corporation&rsquo;s By-laws for
a special meeting of the stockholders. If the secretary of the Corporation does not call a special meeting within 20 days after
receipt of any such request, then any holder of Series B Preferred Stock may (at the Corporation&rsquo;s expense) call such meeting,
upon notice as provided in this Section (5)(F), and for that purpose shall have access to the stock register of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise set forth in
Section (5)(F) hereof, the rules and procedures for calling and conducting any meeting of the holders of Series B Preferred Stock
(including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such
a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents shall
be governed by</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 9</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">any rules that the Board of Directors of the Corporation (or
a duly authorized committee thereof), in its discretion, may adopt from time to time, which rules and procedures shall conform
to the requirements of the Restated Charter of the Corporation, the By-laws of the Corporation, and applicable laws and the rules
of any national securities exchange or other trading facility on which Series B Preferred Stock is listed or traded at the time.</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-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The holders of Series B Preferred Stock
shall not have any rights to convert such shares into shares of any other class or series of stock or into any other securities
of, or any interest or property in, the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No sinking fund shall be established for
the retirement or redemption of Series B Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Preemptive or Subscription
Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No holder of Series B Preferred Stock of
the Corporation shall, as such holder, have any preemptive right to purchase or subscribe for any additional shares of stock of
the Corporation or any other security of the Corporation that it may issue or sell.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Series B Preferred Stock shall not
have any designations, preferences or relative, participating, optional or other special rights except as set forth herein or in
the Restated Charter of the Corporation or as otherwise required by applicable law.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX B</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 10</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STANDARD PROVISIONS SERIES C</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 0pt 36pt">Section 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">As used herein with respect to Series C
Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Business Day</I>&rdquo;
shall mean (i) with respect to the Fixed Rate Period, any weekday in New York, New York that is not a day on which banking institutions
in such city are authorized or required by law, regulation, or executive order to be closed and (ii) with respect to the Floating
Rate Period, any weekday in New York, New York that is not a day on which banking institutions in such city are authorized or required
by law, regulation, or executive order to be closed, and additionally, is a London Banking Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Determination
Date</I>&rdquo; shall have the meaning set forth in Section (2)(G) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Payment Dates</I>&rdquo;
shall have the meaning set forth in Section (2)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Period</I>&rdquo;
shall mean the period from, and including, each Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date,
except for the initial Dividend Period, which shall be the period from, and including, May 1, 2020 to, but excluding, the next
succeeding Dividend Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed Rate Period</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating Rate Period</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Junior Stock</I>&rdquo;
shall mean the Corporation&rsquo;s common stock and any other class or series of the Corporation&rsquo;s capital stock over which
the Series C Preferred Stock has preference or priority in the payment of dividends or in the distribution of assets on the liquidation,
dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Liquidation Preference</I>&rdquo;
shall mean $10,000 per share of Series C Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>London Banking Day</I>&rdquo;
shall mean any day on which commercial banks are open dealings in deposits in U.S. dollars in the London interbank market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Nonpayment</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(K)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Optional Redemption</I>&rdquo;
shall have the meaning set forth in Section (4)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(L)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Parity Stock</I>&rdquo;
shall mean any class or series of the Corporation&rsquo;s capital stock that ranks on a par with the Series C Preferred Stock in
the payment of dividends and in the distribution of assets on the liquidation, dissolution or winding up of the Corporation, which
shall include the Series A Preferred Stock, the Series B Preferred Stock, the Series D</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 1</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Preferred Stock and the Series E Preferred Stock and any other
class or series of the Corporation&rsquo;s stock hereafter authorized that ranks on a par with the Series C Preferred Stock in
the payment of dividends and in the distribution of assets on any liquidation, dissolution or winding up of the Corporation.</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-indent: 36pt">(M)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Preferred Stock Directors</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(N)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory Capital Treatment
Event</I>&rdquo; shall mean a good faith determination by the Corporation that, as a result of any (i) amendment to, clarification
of, or change (including any announced prospective change) in, the laws or regulations of the United States or any political subdivision
of or in the United States that is enacted or becomes effective after the initial issuance of the Series C Preferred Stock; (ii)
proposed change in those laws or regulations that is announced or becomes effective after the initial issuance of the Series C
Preferred Stock; or (iii) official administrative decision or judicial decision or administrative action or other official pronouncement
interpreting or applying those laws or regulations that is announced or becomes effective after the initial issuance of the Series
C Preferred Stock, there is more than an insubstantial risk that the Corporation shall not be entitled to treat the full liquidation
value of the Series C Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo; (or its equivalent) for purposes of the
capital adequacy laws or regulations of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital
adequacy laws or regulations of any successor appropriate federal banking agency), as then in effect and applicable, for as long
as any share of Series C Preferred Stock is outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(O)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory Event Redemption</I>&rdquo;
shall have the meaning set forth in Section (4)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(P)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Spread</I>&rdquo; shall
have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(Q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Three-month LIBOR</I>&rdquo;
shall mean the London interbank offered rate for deposits in U.S. dollars for a three month period, as that rate appears on Reuters
screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement page) at approximately 11:00 a.m., London time, on the relevant
Dividend Determination Date. If no offered rate appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement
page) on the relevant Dividend Determination Date at approximately 11:00 a.m., London time, then the calculation agent, in consultation
with the Corporation, shall select four major banks in the London interbank market and shall request each of their principal London
offices to provide a quotation of the rate at which three-month deposits in U.S. dollars in amounts of at least $1,000,000 are
offered by it to prime banks in the London interbank market, on that date and at that time. If at least two quotations are provided,
Three-month LIBOR shall be the arithmetic average (rounded upward if necessary to the nearest .00001 of 1%) of the quotations provided.
Otherwise, the Calculation Agent in consultation with the Corporation shall select three major banks in New York City and shall
request each of them to provide a quotation of the rate offered by it at approximately 11:00 a.m., New York City time, on the Dividend
Determination Date for loans in U.S. dollars to leading European banks for a three month period for the applicable Dividend Period
in an amount of at least $1,000,000. If three quotations are provided, Three-month LIBOR shall be the arithmetic average of the
quotations provided. Otherwise, Three-month LIBOR for the next Dividend Period shall be equal to Three-month LIBOR in effect for
the then-current Dividend Period or, in the case of</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 2</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">the first Dividend Period in the Floating Rate Period, the
most recent rate on which Three-month LIBOR could have been determined in accordance with the first sentence of this Section had
the dividend rate been a floating rate during the Fixed Rate Period.</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-indent: 36pt">(R)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Voting Parity Stock</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of the Series C Preferred
Stock shall be entitled to receive, only when, as, and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized
committee thereof), out of assets legally available under applicable law for payment, non-cumulative cash dividends based on the
Liquidation Preference, and no more, at a rate equal to (1) 6.60% per annum, for each quarterly Dividend Period occurring from,
and including, May 1, 2020 to, but excluding, May 1, 2026 (the &ldquo;<I>Fixed Rate Period</I>&rdquo;), and (2) thereafter, Three-month
LIBOR plus a spread of 492 basis points per annum (the &ldquo;<I>Spread</I>&rdquo;), for each quarterly Dividend Period beginning
May 1, 2026 (the &ldquo;<I>Floating Rate Period</I>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When, as, and if declared by the
Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof), the Corporation shall pay cash dividends on the
Series C Preferred Stock quarterly, in arrears, on February 1, May 1, August 1, and November 1 of each year (each such date, a
&ldquo;<I>Dividend Payment Date</I>&rdquo;), beginning on August 1, 2020, and, when, as and if declared by the Corporation&rsquo;s
Board of Directors (or a duly authorized committee thereof). The Corporation shall pay cash dividends to the holders of record
of shares of the Series C Preferred Stock as such holders appear on the Corporation&rsquo;s stock register on the applicable record
date, which shall be the fifteenth calendar day before that Dividend Payment Date or such other record date fixed by our Board
of Directors (or a duly authorized committee thereof) that is not more than 60 nor less than 10 days prior to such Dividend Payment
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any Dividend Payment Date on
or prior to May 1, 2026 is a day that is not a Business Day, then the dividend with respect to that Dividend Payment Date shall
instead be paid on the immediately succeeding Business Day, without interest or other payment in respect of such delayed payment.
If any Dividend Payment Date after May 1, 2026 is a day that is not a Business Day, then the Dividend Payment Date shall be the
immediately succeeding Business Day unless such day falls in the next calendar month, in which case the Dividend Payment Date shall
instead be the immediately preceding day that is a Business Day, and dividends will accumulate to the Dividend Payment Date as
so adjusted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation shall calculate
dividends on the Series C Preferred Stock for the Fixed Rate Period on the basis of a 360-day year of twelve 30-day months. The
Corporation shall calculate dividends on the Series C Preferred Stock for the Floating Rate Period on the basis of the actual number
of days in a Dividend Period and a 360-day year. Dollar amounts resulting from such calculation shall be rounded to the nearest
cent, with one-half cent being rounded upward.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series C Preferred
Stock shall not be cumulative or mandatory. If the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof)
does not declare a dividend on the Series C Preferred Stock for any Dividend Period prior to the related Dividend Payment Date,
that dividend shall not accumulate, and the Corporation</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 3</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">shall have no obligation to pay a dividend for that Dividend
Period at any time, whether or not dividends on the Series C Preferred Stock or any other series of our preferred stock or common
stock are declared for any future Dividend Period.</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-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series C Preferred
Stock shall accumulate from May 1, 2020 at the then-applicable dividend rate on the liquidation preference amount of $10,000 per
share. If the Corporation issues additional shares of the Series C Preferred Stock, dividends on those additional shares shall
accumulate from the original issue date of those additional shares at the then-applicable dividend rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The dividend rate for each Dividend
Period in the Floating Rate Period shall be determined by the Calculation Agent using Three-month LIBOR as in effect on the second
London Banking Day prior to the beginning of the Dividend Period, which date shall be the &ldquo;<I>Dividend Determination Date</I>&rdquo;
for the relevant Dividend Period. The Calculation Agent then shall add Three-month LIBOR as determined on the Dividend Determination
Date and the applicable Spread. Once the dividend rate for the Series C Preferred Stock is determined, the Calculation Agent shall
deliver that information to the Corporation and the Transfer Agent. Absent manifest error, the Calculation Agent&rsquo;s determination
of the dividend rate for a Dividend Period for the Series C Preferred Stock shall be final.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any share of Series C
Preferred Stock remains outstanding:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall be declared
and paid or set aside for payment and no distribution shall be declared and made or set aside for payment on any Junior Stock (other
than a dividend payable solely in shares of Junior Stock or any dividend in connection with the implementation of a stockholder
rights plan or the redemption or repurchase of any rights under such a plan);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Junior Stock
shall be repurchased, redeemed, or otherwise acquired for consideration by the Corporation, directly or indirectly (other than
as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or conversion into Junior
Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Junior Stock or pursuant to a
contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing prior to the most recently
completed Dividend Period), nor shall any monies be paid to or made available for a sinking fund for the redemption of any such
securities by the Corporation; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Parity Stock
shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant to pro rata offers
to purchase all, or a pro rata portion, of the Series C Preferred Stock and such Parity Stock, through the use of the proceeds
of a substantially contemporaneous sale of other shares of Parity Stock or Junior Stock, as a result of a reclassification of Parity
Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period, unless, in
each case, the full dividends for the most recently completed Dividend Period on all outstanding shares of the Series C Preferred
Stock have been declared and paid in full or declared and a sum sufficient for</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 4</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">the payment of those dividends has been set aside.
The foregoing limitations shall not apply to purchases or acquisitions of the Corporation&rsquo;s Junior Stock pursuant to any
employee or director incentive or benefit plan or arrangement (including any of the Corporation&rsquo;s employment, severance,
or consulting agreements) of the Corporation or of any of the Corporation&rsquo;s subsidiaries heretofore or hereafter adopted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided below, for so
long as any share of Series C Preferred Stock remains outstanding, the Corporation shall not declare, pay, or set aside for payment
full dividends on any Parity Stock unless the Corporation has paid in full, or set aside payment in full, in respect of all accumulated
dividends for all Dividend Periods for outstanding shares of Series C Preferred Stock. To the extent that the Corporation declares
dividends on the Series C Preferred Stock and on any Parity Stock but cannot make full payment of such declared dividends, the
Corporation shall allocate the dividend payments on a pro rata basis among the holders of the shares of Series C Preferred Stock
and the holders of any Parity Stock then outstanding. For purposes of calculating the pro rata allocation of partial dividend payments,
the Corporation shall allocate dividend payments based on the ratio between the then current and accumulated dividend payments
due on the shares of Series C Preferred Stock and (1) in the case of cumulative Parity Stock the aggregate of the accumulated and
unpaid dividends due on any such Parity Stock and (2) in the case of non-cumulative Parity Stock the aggregate of the declared
but unpaid dividends due on any such Parity Stock. No interest shall be payable in respect of any dividend payment on Series C
Preferred Stock that may be in arrears.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the foregoing conditions,
and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by the Corporation&rsquo;s Board of Directors
(or a duly authorized committee thereof), may be declared and paid on the Corporation&rsquo;s common stock and any Junior Stock
from time to time out of any funds legally available for such payment, and the holders of the Series C Preferred Stock shall not
be entitled to participate in such dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of any voluntary or
involuntary liquidation, dissolution or winding up of the Corporation, the holders of the shares of Series C Preferred Stock then
outstanding shall be entitled to be paid out of the Corporation&rsquo;s assets legally available for distribution to the Corporation&rsquo;s
stockholders, before any distribution of assets is made to holders of common stock or any other Junior Stock, a liquidating distribution
in the amount equal to the sum of (1) the Liquidation Preference, plus (2) the sum of any declared and unpaid dividends for prior
Dividend Periods prior to the Dividend Period in which the liquidation distribution is made and any declared and unpaid dividends
for the then current Dividend Period in which the liquidation distribution is made to the date of such liquidation distribution.
After payment of the full amount of the liquidating distributions to which they are entitled pursuant to the foregoing, the holders
of Series C Preferred Stock shall have no right or claim to any remaining assets of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that, upon any such
voluntary or involuntary liquidation, dissolution or winding up, the available assets of the Corporation are insufficient to pay
the amount of the liquidating distributions on all outstanding shares of Series C Preferred Stock</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">and the corresponding amounts payable on all shares of Parity
Stock in the distribution of assets upon any liquidation, dissolution or winding up of the Corporation, then the holders of the
Series C Preferred Stock and such Parity Stock shall share ratably in any such distribution of assets in proportion to the full
liquidating distributions to which they respectively would be entitled.</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-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of this Section
(3), the merger or consolidation of the Corporation with or into any other entity or by another entity with or into the Corporation
or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation (for cash, securities
or other consideration) shall not be deemed to constitute the liquidation, dissolution or winding up of the Corporation. If the
Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation is not the surviving
entity in such transaction, the Series C Preferred Stock may be converted into shares of the surviving or successor corporation
or the direct or indirect parent of the surviving or successor corporation having terms identical to the terms of the Series C
Preferred Stock set forth herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 4. <U>Redemption Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the further terms and
conditions provided herein, the Corporation may redeem the Series C Preferred Stock, in whole or in part, at its option, for cash,
on any Dividend Payment Date on or after May 1, 2026, with not less than 30 days&rsquo; and not more than 60 days&rsquo; notice
(&ldquo;<I>Optional Redemption</I>&rdquo;), subject to the approval of the appropriate federal banking agency, at the redemption
price provided in Section (4)(C) below. Dividends shall not accumulate on those shares of Series C Preferred Stock so redeemed
on and after the applicable redemption date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, the Corporation may,
redeem the Series C Preferred Stock, in whole but not in part, at its option, for cash, at any time within 90 days following a
Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency, at the redemption price
provided in Section (4)(C) below (a &ldquo;<I>Regulatory Event Redemption</I>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The redemption price for any redemption
of Series C Preferred Stock, whether an Optional Redemption or Regulatory Event Redemption, shall be equal to (i) $10,000 per share
of Series C Preferred Stock, plus any declared and unpaid dividends (without regard to any undeclared dividends) to, but excluding,
the date of redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any notice given as provided in
this Section (4) shall be conclusively presumed to have been duly given, whether or not the holder receives the notice, and any
defect in the notice or in the provision of the notice, to any holder of shares of Series C Preferred Stock designated for redemption
will not affect the redemption of any other shares of Series C Preferred Stock. Any notice provided to a holder of Series C Preferred
Stock shall be deemed given on the date provided, whether or not the holder actually receives the notice. A notice of redemption
shall be given not less than 30 days and not more than 60 days prior to the date of redemption specified in the notice, and shall
specify (i) the redemption date, (ii) the redemption price, (iii) if fewer than all shares of Series C Preferred Stock are to be
redeemed, the number of shares of Series C Preferred Stock to be redeemed and (iv) the manner in which holders of Series C Preferred
Stock called for redemption may obtain payment of the redemption price in respect of those shares. Notwithstanding anything</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 6</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">to the contrary in this paragraph, if the Series C Preferred
Stock is issued in book-entry form through The Depositary Trust Company or any other similar facility, notice of redemption may
be given to the holders of Series C Preferred Stock at such time and in any manner permitted by such facility.</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-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If notice of redemption of any shares
of Series C Preferred Stock has been given by the Corporation and if the funds necessary for such redemption have been set aside
by the Corporation in trust for the benefit of the holders of any shares of Series C Preferred Stock, then from and after the Redemption
Date such shares of Series C Preferred Stock shall no longer be outstanding for any purpose, all dividends with respect to such
shares of Series C Preferred Stock shall cease to accumulate from the Redemption Date and all rights of the holders of such shares
shall terminate, except the right to receive the Redemption Price, without interest. Series C Preferred Stock redeemed pursuant
to this Section (4) or purchased or otherwise acquired for value by the Corporation shall, after such acquisition, have the status
of authorized and unissued shares of preferred stock and may be reissued by the Corporation at any time as shares of any series
of preferred stock other than as Series C Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that fewer than all
the outstanding shares of Series C Preferred Stock are to be redeemed, the shares of Series C Preferred Stock to be redeemed shall
be selected either pro rata or by lot or in such other manner as the Board of Directors of the Corporation (or a duly authorized
committee thereof), determines to be fair and equitable, subject to the provisions hereof. The Board of Directors of the Corporation
(or a duly authorized committee thereof) shall have the full power and authority to prescribe the terms and conditions upon which
such shares of Series C Preferred Stock may be redeemed from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No holder of Series C Preferred
Stock shall have the right to require the redemption of the Series C Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of Series C Preferred Stock
shall not have any voting rights, except as set forth below or as otherwise required by the Tennessee Business Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever dividends payable on the
Series C Preferred Stock or any other class or series of preferred stock ranking equally with the Series C Preferred Stock, including
the Series A Preferred Stock, the Series B Preferred Stock, the Series D Preferred Stock and the Series E Preferred Stock, as to
payment of dividends, and upon which voting rights equivalent to those described in this paragraph have been conferred and are
exercisable, have not been declared and paid in an aggregate amount equal to, as to any class or series, the equivalent of at least
six or more quarterly Dividend Periods, whether or not for consecutive Dividend Periods (a &ldquo;<I>Nonpayment</I>&rdquo;), the
holders of outstanding shares of the Series C Preferred Stock voting as a class with holders of shares of any other series of our
preferred stock ranking equally with the Series C Preferred Stock, including the Series A Preferred Stock, the Series B Preferred
Stock, the Series D Preferred Stock and the Series E Preferred Stock, as to payment of dividends, and upon which like voting rights
have been conferred and are exercisable (&ldquo;<I>Voting Parity Stock</I>&rdquo;), shall be entitled to vote for the election
of two additional directors of the Board of Directors of the Corporation on the terms set forth in this Section (5) (and to fill
any vacancies in the terms of such directorships) (the &ldquo;<I>Preferred Stock</I></P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 7</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>Directors</I>&rdquo;). Holders of all series of our Voting
Parity Stock shall vote as a single class. In the event that the holders of the shares of the Series C Preferred Stock are entitled
to vote as described in this Section (5), the number of members of the Corporation&rsquo;s Board of Directors at that time shall
be increased by two directors, and the holders of the Series C Preferred Stock shall have the right, as members of that class,
to elect two directors at a special meeting called at the request of the holders of record of at least 20% of the aggregate voting
power of the Series C Preferred Stock or any other series of Voting Parity Stock (unless such request is received less than 90
days before the date fixed for the Corporation&rsquo;s next annual or special meeting of the stockholders, in which event such
election shall be held at such next annual or special meeting of the stockholders), provided that the election of any Preferred
Stock Directors shall not cause the Corporation to violate the corporate governance requirements of the New York Stock Exchange
(or any other exchange on which the securities of the Corporation may at such time be listed) that listed companies must have a
majority of independent directors, and provided further that at no time shall the Board of Directors of the Corporation include
more than two Preferred Stock Directors.</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-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Preferred Stock Directors elected
at any such special meeting shall hold office until the next annual meeting of the Corporation&rsquo;s stockholders unless they
have been previously terminated or removed pursuant to Section (5)(D). In case any vacancy in the office of a Preferred Stock Director
occurs (other than prior to the initial election of the Preferred Stock Directors), the vacancy may be filled by the written consent
of the Preferred Stock Director remaining in office, or if none remains in office, by the vote of the holders of the Series C Preferred
Stock (together with holders of any Voting Parity Stock) to serve until the next annual meeting of the stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When the Corporation has paid full
dividends on the Series C Preferred Stock for the equivalent of at least four quarterly Dividend Periods, following a Nonpayment,
then the right of the holders of Series C Preferred Stock to elect the Preferred Stock Directors set forth in this Section (5)
shall cease (except as provided by law and subject always to the same provisions for the vesting of the special voting rights in
the case of any future Nonpayment). Upon termination of the right of the holders of the Series C Preferred Stock and Voting Parity
Stock to vote for Preferred Stock Directors as set forth in this Section (5), the term of office of all Preferred Stock Directors
then in office elected by only those holders shall terminate immediately. Whenever the term of office of the Preferred Stock Directors
ends and the related voting rights have expired, the number of directors automatically will be decreased to the number of directors
as otherwise would prevail. Any Preferred Stock Director may be removed at any time without cause by the holders of record of a
majority of the outstanding shares of the Series C Preferred Stock (together with holders of any Voting Parity Stock) when they
have the voting rights described in Section (5)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any shares of Preferred
Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent of holders of at least 66 2/3% in
voting power of the Series C Preferred Stock and any Voting Parity Stock, voting together as a single class, given in person or
by proxy, either in writing without a meeting or at any meeting called for the purpose, authorize, create or issue any capital
stock ranking senior to the Series C Preferred Stock as to dividends or the distribution of assets upon liquidation, dissolution
or winding up, or reclassify any authorized capital stock into any such shares of such capital stock or issue any obligation or
security convertible into or evidencing the right</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 8</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">to purchase any such shares of capital stock. Further, so
long as any shares of the Series C Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote
of the holders of at least 66 2/3% in voting power of the Series C Preferred Stock, amend, alter or repeal any provision of these
Articles of Amendment or the Restated Charter of the Corporation, including by merger, consolidation or otherwise, so as to affect
the powers, preferences or special rights of the Series C Preferred Stock.</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-indent: 36pt">Notwithstanding the foregoing, (i) any
increase in the amount of authorized common stock or authorized preferred stock, or any increase or decrease in the number of shares
of any series of preferred stock, or the authorization, creation and issuance of other classes or series of capital stock, in each
case ranking on parity with or junior to the shares of the Series C Preferred Stock as to dividends and distribution of assets
upon liquidation, dissolution or winding up, shall not be deemed to affect such powers, preferences or special rights and (ii)
a merger or consolidation of the Corporation with or into another entity in which the shares of the Series C Preferred Stock (A)
remain outstanding or (B) are converted into or exchanged for preference securities of the surviving entity or any entity, directly
or indirectly, controlling such surviving entity and such new preference securities have powers, preferences and special rights
that are not materially less favorable than the Series C Preferred Stock shall not be deemed to affect the powers, preferences
or special rights of the Series C Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice for a special meeting to
elect the Preferred Stock Directors shall be given in a similar manner to that provided in the Corporation&rsquo;s By-laws for
a special meeting of the stockholders. If the secretary of the Corporation does not call a special meeting within 20 days after
receipt of any such request, then any holder of Series C Preferred Stock may (at the Corporation&rsquo;s expense) call such meeting,
upon notice as provided in this Section (5)(F), and for that purpose shall have access to the stock register of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise set forth in
Section (5)(F) hereof, the rules and procedures for calling and conducting any meeting of the holders of Series C Preferred Stock
(including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such
a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents shall
be governed by any rules that the Board of Directors of the Corporation (or a duly authorized committee thereof), in its discretion,
may adopt from time to time, which rules and procedures shall conform to the requirements of the Restated Charter of the Corporation,
the By-laws of the Corporation, and applicable laws and the rules of any national securities exchange or other trading facility
on which Series C Preferred Stock is listed or traded at the time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The holders of Series C Preferred Stock
shall not have any rights to convert such shares into shares of any other class or series of stock or into any other securities
of, or any interest or property in, the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No sinking fund shall be established for
the retirement or redemption of Series C Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Preemptive or Subscription
Rights</U>.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 9</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No holder of Series C Preferred Stock of
the Corporation shall, as such holder, have any preemptive right to purchase or subscribe for any additional shares of stock of
the Corporation or any other security of the Corporation that it may issue or sell.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Series C Preferred Stock shall not
have any designations, preferences or relative, participating, optional or other special rights except as set forth herein or in
the Company&rsquo;s Restated Charter or as otherwise required by applicable law.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX C</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 10</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STANDARD PROVISIONS SERIES D</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-indent: 36pt"><FONT STYLE="color: #010000">Section 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">As used herein with respect to Series D
Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Adjustments</I>&rdquo;
shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Alternative Rate</I>&rdquo;
shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Business Day</I>&rdquo;
shall mean (i) with respect to the Fixed Rate Period, any weekday in New York, New York that is not a day on which banking institutions
in such city are authorized or required by law, regulation, or executive order to be closed and (ii) with respect to the Floating
Rate Period, any weekday in New York, New York that is not a day on which banking institutions in such city are authorized or required
by law, regulation, or executive order to be closed, and additionally, is a London Banking Day.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Calculation Agent</I>&rdquo;
shall mean, at any time, the Corporation, an entity affiliated with the Corporation, or the person or entity appointed by the Corporation
pursuant to a calculation agent agreement between the Corporation and a calculation agent and serving as such agent with respect
to Series D Preferred Stock at such time (including any successor to such person or entity). The Corporation will be the calculation
agent for Series D Preferred Stock as of the original issue date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Determination
Date</I>&rdquo; shall have the meaning set forth in Section (2)(G) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Payment Dates</I>&rdquo;
shall have the meaning set forth in Section (2)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Dividend Period</I>&rdquo;
shall mean the period from, and including, each Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date,
except for the initial Dividend Period, which shall be the period from, and including, May 1, 2020 to, but excluding, the next
succeeding Dividend Payment Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Fixed Rate Period</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Floating Rate Period</I>&rdquo;
shall have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Junior Stock</I>&rdquo;
shall mean the Corporation&rsquo;s common stock and any other class or series of the Corporation&rsquo;s capital stock over which
the Series D Preferred Stock has preference or priority in the payment of dividends or in the distribution of assets on the liquidation,
dissolution or winding up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(K)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>IFA</I>&rdquo; shall have
the meaning set forth in Section (1)(Y)(iii) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(L)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>LIBOR Event</I>&rdquo;
shall have the meaning set forth in Section (1)(Y)(iii) hereof.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 1</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(M)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Liquidation Preference</I>&rdquo;
shall mean $10,000 per share of Series D Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(N)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>London Banking Day</I>&rdquo;
shall mean any day on which commercial banks are open dealings in deposits in U.S. dollars in the London interbank market.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(O)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Nonpayment</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(P)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Optional Redemption</I>&rdquo;
shall have the meaning set forth in Section (4)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(Q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Parity Stock</I>&rdquo;
shall mean any class or series of the Corporation&rsquo;s capital stock that ranks on a par with the Series D Preferred Stock in
the payment of dividends and in the distribution of assets on the liquidation, dissolution or winding up of the Corporation, which
shall include the Series A Preferred Stock, the Series B Preferred Stock, the Series C Preferred Stock and the Series E Preferred
Stock and any other class or series of the Corporation&rsquo;s capital stock hereafter authorized that ranks on a par with the
Series D Preferred Stock in the payment of dividends and in the distribution of assets on any liquidation, dissolution or winding
up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(R)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Preferred Stock Directors</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(S)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory Capital Treatment
Event</I>&rdquo; shall mean a good faith determination by the Corporation that, as a result of any (i) amendment to, clarification
of, or change (including any announced prospective change) in, the laws or regulations of the United States or any political subdivision
of or in the United States that is enacted or becomes effective after the initial issuance of the Series D Preferred Stock&#894;
(ii) proposed change in those laws or regulations that is announced or becomes effective after the initial issuance of the Series
D Preferred Stock&#894; or (iii) official administrative decision or judicial decision or administrative action or other official
pronouncement interpreting or applying those laws or regulations that is announced or becomes effective after the initial issuance
of the Series D Preferred Stock, there is more than an insubstantial risk that the Corporation <I>shall</I> not be entitled to
treat the full liquidation value of the Series D Preferred Stock then outstanding as &ldquo;Tier 1 Capital&rdquo; (or its equivalent)
for purposes of the capital adequacy laws or regulations of the Board of Governors of the Federal Reserve System (or, as and if
applicable, the capital adequacy laws or regulations of any successor appropriate federal banking agency), as then in effect and
applicable, for as long as any share of Series D Preferred Stock is outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(T)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Regulatory Event Redemption</I>&rdquo;
shall have the meaning set forth in Section (4)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(U)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Spread</I>&rdquo; shall
have the meaning set forth in Section (2)(A) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(V)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Three-month LIBOR</I>&rdquo;
shall mean, for each Dividend Determination Date related to the Floating-Rate Period, the rate determined by the Calculation Agent
as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The London interbank offered
rate for deposits in U.S. dollars for a three month period, as that rate appears on Reuters screen page &ldquo;LIBOR01&rdquo; (or
any successor or replacement page) at approximately 11:00 a.m., London time, on the relevant Dividend Determination Date.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 2</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If no offered rate appears
on Reuters screen page &ldquo;LIBOR01&rdquo; (or any successor or replacement page) on the relevant Dividend Determination Date
at approximately 11:00 a.m., London time, then the Calculation Agent, in consultation with the Corporation, shall select four major
banks in the London interbank market and shall request each of their principal London offices to provide a quotation of the rate
at which three-month deposits in U.S. dollars in amounts of at least $1,000,000 are offered by it to prime banks in the London
interbank market, on that date and at that time. If at least two quotations are provided, Three-month LIBOR shall be the arithmetic
average (rounded upward if necessary to the nearest .00001 of 1%) of the quotations provided. Otherwise, the Calculation Agent
in consultation with the Corporation shall select three major banks in New York City and shall request each of them to provide
a quotation of the rate offered by it at approximately 11:00 a.m., New York City time, on the Dividend Determination Date for loans
in U.S. dollars to leading European banks for a three month period for the applicable Dividend Period in an amount of at least
$1,000,000. If three quotations are provided, Three-month LIBOR shall be the arithmetic average of the quotations provided. Otherwise,
if a LIBOR Event (as defined below) has not occurred, Three-month LIBOR for the next Dividend Period shall be equal to Three-month
LIBOR in effect for the then-current Dividend Period or, in the case of the first Dividend Period in the Floating Rate Period,
the most recent rate on which Three-month LIBOR could have been determined in accordance with the first sentence of this Section
had the dividend rate been a floating rate during the Fixed Rate Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding clauses
(1) and (2) above, if the Corporation, in its sole discretion, determines on the relevant Dividend Determination Date that the
Three-month LIBOR has been permanently discontinued or is no longer viewed as an acceptable benchmark for securities like the Series
D Preferred Stock, and the Corporation has notified the Calculation Agent (if it is not the Corporation) of such determination
(a &ldquo;<I>LIBOR Event</I>&rdquo;), then the Calculation Agent will use, as directed by the Corporation, as a substitute or successor
base rate (the &ldquo;<I>Alternative Rate</I>&rdquo;) for each future Dividend Determination Date, the alternative reference rate
selected by the central bank, reserve bank, monetary authority or any similar institution (including any committee or working group
thereof) that is consistent with market practice regarding a substitute for the Three-month LIBOR. As part of such substitution,
the Calculation Agent will, as directed by the Corporation, make such adjustment to the Alternative Rate or the spread thereon,
as well as the business day convention, the Dividend Determination Date and related provisions and definitions (&ldquo;<I>Adjustments</I>&rdquo;),
in each case that are consistent with market practice for the use of such Alternative Rate. Notwithstanding the foregoing, if the
Calculation Agent determines that there is no alternative reference rate selected by the central bank, reserve bank, monetary authority
or any similar institution (including any committee or working group thereof) that is consistent with market practice regarding
a substitute for Three-month</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 3</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">LIBOR, the Corporation may, in its sole discretion,
appoint an independent financial advisor (&ldquo;<I>IFA</I>&rdquo;) to determine an appropriate Alternative Rate and any Adjustments,
and the decision of the IFA will be binding on the Corporation, the Calculation Agent and the holders of the Series D Preferred
Stock. If on any Dividend Determination Date during the Floating-Rate Period (which may be the first Dividend Determination Date
of the Floating-Rate Period) a LIBOR Event has occurred prior to such Dividend Determination Date and for any reason an Alternative
Rate has not been determined or there is no such market practice for the use of such Alternative Rate (and, in each case, an IFA
has not determined an appropriate Alternative Rate and Adjustments or an IFA has not been appointed) as of such Dividend Determination
Date, then commencing on such Dividend Determination Date the dividend rate, Business Day convention and manner of calculating
dividends applicable during the Fixed-Rate Period will be in effect for the applicable Dividend Period and will remain in effect
during the remainder of the Floating-Rate Period. The establishment of Three-month LIBOR for each Dividend Period by the Calculation
Agent (including, for the avoidance of doubt, at the direction of the Corporation in the case of clause (2)) or IFA, as applicable,
shall (in the absence of manifest error) be final and binding. For the avoidance of doubt, any Adjustments made pursuant to clause
(2) of the definition of &ldquo;Three-month LIBOR&rdquo; shall not be subject to the vote or consent of the holders of Series D
Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(W)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&ldquo;<I>Voting Parity Stock</I>&rdquo;
shall have the meaning set forth in Section (5)(B) hereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of the Series D Preferred
Stock shall be entitled to receive, only when, as, and if declared by the Corporation&rsquo;s Board of Directors (or a duly authorized
committee thereof), out of assets legally available under applicable law for payment, non-cumulative cash dividends based on the
Liquidation Preference, and no more, at a rate equal to (1) 6.100% per annum, for each semi-annual Dividend Period occurring from,
and including, May 1, 2020 to, but excluding, May 1, 2024 (the &ldquo;<I>Fixed Rate Period</I>&rdquo;), and (2) thereafter, Three-month
LIBOR plus a spread of 385.9 basis points per annum (the &ldquo;<I>Spread</I>&rdquo;), for each quarterly Dividend Period beginning
May 1, 2024 (the &ldquo;<I>Floating Rate Period</I>&rdquo;) , subject to potential adjustment as provided in clause (3) of the
definition of three-month LIBOR .</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When, as, and if declared by the
Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof), the Corporation shall pay cash dividends on the
Series D Preferred Stock (i) semi-annually, in arrears, on May 1 and November 1 of each year, beginning on November 1, 2020 and
ending on May 1, 2024, and (ii) quarterly, in arrears, on February 1, May 1, August 1, and November 1, beginning on August 1, 2024,
subject to potential adjustment as provided in clause (3) of the definition of three-month LIBOR (each such date, a &ldquo;<I>Dividend
Payment Date</I>&rdquo;). The Corporation shall pay cash dividends to the holders of record of shares of the Series D Preferred
Stock as such holders appear on the Corporation&rsquo;s stock register on the applicable record date, which shall be the fifteenth</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 4</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">calendar day before that Dividend Payment Date or such other
record date fixed by our Board of Directors (or a duly authorized committee thereof) that is not more than 60 nor less than 10
days prior to such Dividend Payment Date.</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-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any Dividend Payment Date on
or prior to May 1, 2024 is a day that is not a Business Day, then the dividend with respect to that Dividend Payment Date shall
instead be paid on the immediately succeeding Business Day, without interest or other payment in respect of such delayed payment.
If any Dividend Payment Date after May 1, 2024 is a day that is not a Business Day, then the Dividend Payment Date shall be the
immediately succeeding Business Day unless such day falls in the next calendar month, in which case the Dividend Payment Date shall
instead be the immediately preceding day that is a Business Day, and dividends will accumulate to the Dividend Payment Date as
so adjusted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Corporation shall calculate
dividends on the Series D Preferred Stock for the Fixed Rate Period on the basis of a 360-day year of twelve 30-day months. The
Corporation shall calculate dividends on the Series D Preferred Stock for the Floating Rate Period on the basis of the actual number
of days in a Dividend Period and a 360-day year, subject to potential adjustment as provided in clause (3) of the definition of
three-month LIBOR. Dollar amounts resulting from such calculation shall be rounded to the nearest cent, with one-half cent being
rounded upward.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series D Preferred
Stock shall not be cumulative or mandatory. If the Corporation&rsquo;s Board of Directors (or a duly authorized committee thereof)
does not declare a dividend on the Series D Preferred Stock for any Dividend Period prior to the related Dividend Payment Date,
that dividend shall not accumulate, and the Corporation shall have no obligation to pay a dividend for that Dividend Period at
any time, whether or not dividends on the Series D Preferred Stock or any other series of our preferred stock or common stock are
declared for any future Dividend Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends on the Series D Preferred
Stock shall accumulate from May 1, 2020 at the then-applicable dividend rate on the liquidation preference amount of $10,000 per
share (equivalent to $25 per depositary share). If the Corporation issues additional shares of the Series D Preferred Stock, dividends
on those additional shares shall accumulate from the original issue date of those additional shares at the then-applicable dividend
rate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The dividend rate for each Dividend
Period in the Floating Rate Period shall be determined by the Calculation Agent using Three-month LIBOR as in effect on the second
London Banking Day prior to the beginning of the Dividend Period, which date shall be the &ldquo;<I>Dividend Determination Date</I>&rdquo;
for the relevant Dividend Period. The Calculation Agent then shall add Three-month LIBOR as determined on the Dividend Determination
Date and the applicable Spread. Once the dividend rate for the Series D Preferred Stock is determined, the Calculation Agent shall
deliver that information to the Corporation and the Transfer Agent. Absent manifest error, the determination by the Calculation
Agent (or, for the avoidance of doubt, by the IFA in the case of Section (1)(Y)(iii) above) of the dividend rate for a Dividend
Period for the Series D Preferred Stock shall be final.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(H)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During any Dividend Period, so long
as any share of Series D Preferred Stock remains outstanding unless (1) the full dividends for the immediately preceding Dividend
Period on all outstanding shares of Series D preferred stock have been paid in full or declared, and funds sufficient for the payment
of those dividends set aside; and (2) we are not</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">in default on our obligation to redeem any shares of Series
D preferred stock that have been called for redemption,</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 0pt 72pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall be declared
and paid or set aside for payment and no distribution shall be declared and made or set aside for payment on any Junior Stock (other
than a dividend payable solely in shares of Junior Stock or any dividend in connection with the implementation of a shareholder
rights plan or the redemption or repurchase of any rights under such a plan);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Junior Stock
shall be repurchased, redeemed, or otherwise acquired for consideration by the Corporation, directly or indirectly (other than
as a result of a reclassification of Junior Stock for or into other Junior Stock, or the exchange for or conversion into Junior
Stock, through the use of the proceeds of a substantially contemporaneous sale of other shares of Junior Stock or pursuant to a
contractually binding requirement to buy Junior Stock pursuant to a binding stock repurchase plan existing prior to the most recently
completed Dividend Period), nor shall any monies be paid to or made available for a sinking fund for the redemption of any such
securities by the Corporation; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Parity Stock
shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation (other than pursuant to pro rata offers
to purchase all, or a pro rata portion, of the Series D Preferred Stock and such Parity Stock, through the use of the proceeds
of a substantially contemporaneous sale of other shares of Parity Stock or Junior Stock, as a result of a reclassification of Parity
Stock for or into other Parity Stock, or by conversion into or exchange for Junior Stock), during a Dividend Period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The foregoing limitations shall not apply
to purchases or acquisitions of the Corporation&rsquo;s Junior Stock pursuant to any employee or director incentive or benefit
plan or arrangement (including any of the Corporation&rsquo;s employment, severance, or consulting agreements) of the Corporation
or of any of the Corporation&rsquo;s subsidiaries heretofore or hereafter adopted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(I)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as provided below, for so
long as any share of Series D Preferred Stock remains outstanding, the Corporation shall not declare, pay, or set aside for payment
full dividends on any Parity Stock unless the Corporation has paid in full, or set aside funds sufficient for payment in full,
in respect of all accumulated dividends for all Dividend Periods for outstanding shares of Series D Preferred Stock. To the extent
that the Corporation declares dividends on the Series D Preferred Stock and on any Parity Stock but cannot make full payment of
such declared dividends, the Corporation shall allocate the dividend payments on a pro rata basis among the holders of the shares
of Series D Preferred Stock and the holders of any Parity Stock then outstanding. For purposes of calculating the pro rata allocation
of partial dividend payments, the Corporation shall allocate dividend payments based on the ratio between the then current and
accumulated dividend payments due on the shares of Series D Preferred Stock and (1) in the case of cumulative Parity Stock the
aggregate of the accumulated and unpaid dividends due on any such Parity Stock and (2)</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 6</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">in the case of non-cumulative Parity Stock the aggregate of
the declared but unpaid dividends due on any such Parity Stock. No interest shall be payable in respect of any dividend payment
on Series D Preferred Stock that may be in arrears.</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-indent: 36pt">(J)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the foregoing conditions,
and not otherwise, dividends (payable in cash, stock, or otherwise), as may be determined by the Corporation&rsquo;s Board of Directors
(or a duly authorized committee thereof), may be declared and paid on the Corporation&rsquo;s common stock and any Junior Stock
from time to time out of any funds legally available for such payment, and the holders of the Series D Preferred Stock shall not
be entitled to participate in such dividends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event of any voluntary or
involuntary liquidation, dissolution or winding up of the Corporation, the holders of the shares of Series D Preferred Stock then
outstanding shall be entitled to be paid out of the Corporation&rsquo;s assets legally available for distribution to the Corporation&rsquo;s
shareholders, before any distribution of assets is made to holders of common stock or any other Junior Stock, a liquidating distribution
in the amount equal to the sum of (1) the Liquidation Preference, plus (2) the sum of any declared and unpaid dividends for prior
Dividend Periods prior to the Dividend Period in which the liquidation distribution is made and any declared and unpaid dividends
for the then current Dividend Period in which the liquidation distribution is made to the date of such liquidation distribution.
After payment of the full amount of the liquidating distributions to which they are entitled pursuant to the foregoing, the holders
of Series D Preferred Stock shall have no right or claim to any remaining assets of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that, upon any such
voluntary or involuntary liquidation, dissolution or winding up, the available assets of the Corporation are insufficient to pay
the amount of the liquidating distributions on all outstanding shares of Series D Preferred Stock and the corresponding amounts
payable on all shares of Parity Stock in the distribution of assets upon any liquidation, dissolution or winding up of the Corporation,
then the holders of the Series D Preferred Stock and such Parity Stock shall share ratably in any such distribution of assets in
proportion to the full liquidating distributions to which they respectively would be entitled.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of this Section
(3), the merger or consolidation of the Corporation with or into any other entity or by another entity with or into the Corporation
or the sale, lease, exchange or other transfer of all or substantially all of the assets of the Corporation (for cash, securities
or other consideration) shall not be deemed to constitute the liquidation, dissolution or winding up of the Corporation. If the
Corporation enters into any merger or consolidation transaction with or into any other entity and the Corporation is not the surviving
entity in such transaction, the Series D Preferred Stock may be converted into or exchanged for preference securities of the surviving
entity or any entity, directly or indirectly, controlling such surviving entity, so long as such new preference securities have
powers, preferences and special rights that are identical to the powers, preferences and special rights of the Series D Preferred
Stock set forth herein.</P>

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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 7</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the further terms and
conditions provided herein, the Corporation may redeem the Series D Preferred Stock, in whole or in part, at its option, for cash,
on any Dividend Payment Date on or after May 1, 2024, with not less than 30 days&rsquo; and not more than 60 days&rsquo; notice
(&ldquo;<I>Optional Redemption</I>&rdquo;), subject to the approval of the appropriate federal banking agency, at the redemption
price provided in Section (4)(C) below. Dividends shall not accumulate on those shares of Series D Preferred Stock so redeemed
on and after the applicable redemption date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, the Corporation may,
redeem the Series D Preferred Stock, in whole but not in part, at its option, for cash, at any time within 90 days following a
Regulatory Capital Treatment Event, subject to the approval of the appropriate federal banking agency, at the redemption price
provided in Section (4)(C) below (a &ldquo;<I>Regulatory Event Redemption</I>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The redemption price for any redemption
of Series D Preferred Stock, whether an Optional Redemption or Regulatory Event Redemption, shall be equal to (1) $10,000 per share
of Series D Preferred Stock, plus any declared and unpaid dividends (without regard to any undeclared dividends) to, but excluding,
the date of redemption.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any notice given as provided in
this Section (4) shall be conclusively presumed to have been duly given, whether or not the holder receives the notice, and any
defect in the notice or in the provision of the notice, to any holder of shares of Series D Preferred Stock designated for redemption
will not affect the redemption of any other shares of Series D Preferred Stock. Any notice provided to a holder of Series D Preferred
Stock shall be deemed given on the date provided, whether or not the holder actually receives the notice. A notice of redemption
shall be given not less than 30 days and not more than 60 days prior to the date of redemption specified in the notice, and shall
specify (i) the redemption date, (ii) the redemption price, (iii) if fewer than all shares of Series D Preferred Stock are to be
redeemed, the number of shares of Series D Preferred Stock to be redeemed and (iv) the manner in which holders of Series D Preferred
Stock called for redemption may obtain payment of the redemption price in respect of those shares. Notwithstanding anything to
the <I>contrary</I> in this paragraph, if the Series D Preferred Stock is issued in book-entry form through The Depositary Trust
Company or any other similar facility, notice of redemption may be given to the holders of Series D Preferred Stock at such time
and in any manner permitted by such facility.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If notice of redemption of any shares
of Series D Preferred Stock has been given by the Corporation and if the funds necessary for such redemption have been set aside
by the Corporation in trust for the benefit of the holders of any shares of Series D Preferred Stock, then from and after the Redemption
Date such shares of Series D Preferred Stock shall no longer be outstanding for any purpose, all dividends with respect to such
shares of Series D Preferred Stock shall cease to accumulate from the Redemption Date and all rights of the holders of such shares
shall terminate, except the right to receive the Redemption Price, without interest. Series D Preferred Stock redeemed pursuant
to this Section (4) or purchased or otherwise acquired for value by the Corporation shall, after such acquisition, have the status
of authorized and unissued shares of preferred stock and may be reissued by the</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 8</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Corporation at any time as shares of any series of preferred
stock other than as Series D Preferred Stock.</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-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that fewer than all
the outstanding shares of Series D Preferred Stock are to be redeemed, the shares of Series D Preferred Stock to be redeemed shall
be selected either pro rata or by lot or in such other manner as the Board of Directors (or a duly authorized committee thereof),
determines to be fair and equitable, subject to the provisions hereof. The Board of Directors (or a duly authorized committee thereof)
shall have the full power and authority to prescribe the terms and conditions upon which such shares of Series D Preferred Stock
may be redeemed from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No holder of Series D Preferred
Stock shall have the right to require the redemption of the Series D Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(A)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders of Series D Preferred Stock
shall not have any voting rights, except as set forth below or as otherwise required by the Tennessee Business Corporation Act.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(B)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whenever dividends payable on the
Series D Preferred Stock or any other class or series of preferred stock ranking equally with the Series D Preferred Stock, including
the Series A Preferred Stock, the Series B Preferred Stock, the Series C Preferred Stock and the Series E Preferred Stock, as to
payment of dividends, and upon which voting rights equivalent to those described in this paragraph have been conferred and are
exercisable, have not been declared and paid in an aggregate amount equal to, as to any class or series, the equivalent of at least
three Fixed Rate Periods or at least six Floating Rate Periods, as applicable, whether or not for consecutive Dividend Periods
(a &ldquo;<I>Nonpayment</I>&rdquo;), the holders of outstanding shares of the Series D Preferred Stock voting as a class with holders
of shares of any other series of our preferred stock ranking equally with the Series D Preferred Stock, including the Series A
Preferred Stock, the Series B Preferred Stock, the Series C Preferred Stock and the Series E Preferred Stock, as to payment of
dividends, and upon which like voting rights have been conferred and are exercisable (&ldquo;<I>Voting Parity Stock</I>&rdquo;),
shall be entitled to vote for the election of two additional directors of the Board of Directors on the terms set forth in this
Section (5) (and to fill any vacancies in the terms of such directorships) (the &ldquo;<I>Preferred Stock Directors</I>&rdquo;).
Holders of all series of our Voting Parity Stock shall vote as a single class. In the event that the holders of the shares of the
Series D Preferred Stock are entitled to vote as described in this Section (5), the number of members of the Corporation&rsquo;s
Board of Directors at that time shall be increased by two directors, and the holders of the Series D Preferred Stock shall have
the right, as members of that class, to elect two directors at a special meeting called at the request of the holders of record
of at least 20% of the aggregate voting power of the Series D Preferred Stock or any other series of Voting Parity Stock (unless
such request is received less than 90 days before the date fixed for the Corporation&rsquo;s next annual or special meeting of
the shareholders, in which event such election shall be held at such next annual or special meeting of the shareholders), provided
that the election of any Preferred Stock Directors shall not cause the Corporation to violate the corporate governance requirements
of the New York Stock Exchange (or any other exchange on which the securities of the Corporation may at such time be listed) that
listed companies must have a majority of independent directors, and provided further that at no time shall the Board of Directors
include more than two Preferred Stock Directors.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 9</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(C)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Preferred Stock Directors elected
at any such special meeting shall hold office until the next annual meeting of the Corporation&rsquo;s shareholders unless they
have been previously terminated or removed pursuant to Section (5)(D). In case any vacancy in the office of a Preferred Stock Director
occurs (other than prior to the initial election of the Preferred Stock Directors), the vacancy may be filled by the written consent
of the Preferred Stock Director remaining in office, or if none remains in office, by the vote of the holders of the Series D Preferred
Stock (together with holders of any Voting Parity Stock) to serve until the next annual meeting of the shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(D)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When the Corporation has paid full
dividends on the Series D Preferred Stock for the equivalent of at least two Fixed Rate Periods or at least four Floating Rate
Periods, as applicable, following a Nonpayment, then the right of the holders of Series D Preferred Stock to elect the Preferred
Stock Directors set forth in this Section (5) shall cease (except as provided by law and subject always to the same provisions
for the vesting of the special voting rights in the case of any future Nonpayment). Upon termination of the right of the holders
of the Series D Preferred Stock and Voting Parity Stock to vote for Preferred Stock Directors as set forth in this Section (5),
the term of office of all Preferred Stock Directors then in office elected by only those holders shall terminate immediately. Whenever
the term of office of the Preferred Stock Directors ends and the related voting rights have expired, the number of directors automatically
will be decreased to the number of directors as otherwise would prevail. Any Preferred Stock Director may be removed at any time
without cause by the holders of record of a majority of the outstanding shares of the Series D Preferred Stock (together with holders
of any Voting Parity Stock) when they have the voting rights described in Section (5)(B).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(E)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;So long as any shares of Preferred
Stock remain outstanding, the Corporation shall not, without the affirmative vote or consent of holders of at least 66 2/3% in
voting power of the Series D Preferred Stock and any Voting Parity Stock, voting together as a single class, given in person or
by proxy, either in writing without a meeting or at any meeting called for the purpose, authorize, create or issue any capital
stock ranking senior to the Series D Preferred Stock as to dividends or the distribution of assets upon liquidation, dissolution
or winding up, or reclassify any authorized capital stock into any such shares of such capital stock or issue any obligation or
security convertible into or evidencing the right to purchase any such shares of capital stock. Further, so long as any shares
of the Series D Preferred Stock remain outstanding, the Corporation shall not, without the affirmative vote of the holders of at
least 66 2/3% in voting power of the Series D Preferred Stock, amend, alter or repeal any provision of these Articles of Amendment
or the Restated Charter of the Corporation, including by merger, consolidation or otherwise, so as to affect the powers, preferences
or special rights of the Series D Preferred Stock. Notwithstanding the foregoing, (i) any increase in the amount of authorized
common stock or authorized preferred stock, or any increase or decrease in the number of shares of any series of preferred stock,
or the authorization, creation and issuance of other classes or series of capital stock, in each case ranking on parity with or
junior to the shares of the Series D Preferred Stock as to dividends and distribution of assets upon liquidation, dissolution or
winding up, shall not be deemed to affect such powers, preferences or special rights and (ii) a merger or consolidation of the
Corporation with or into another entity in which the shares of the Series D Preferred Stock (A) remain outstanding or (B) are converted
into or exchanged for preference securities of the</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 10</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">surviving entity or any entity, directly or indirectly, controlling
such surviving entity, so long as such new preference securities have powers, preferences and special rights that are identical
to the powers, preferences and special rights of the Series D Preferred Stock set forth herein shall not be deemed to affect the
powers, preferences or special rights of the Series D Preferred Stock.</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-indent: 36pt">(F)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notice for a special meeting to
elect the Preferred Stock Directors shall be given in a similar manner to that provided in the Corporation&rsquo;s By-laws for
a special meeting of the shareholders. If the secretary of the Corporation does not call a special meeting within 20 days after
receipt of any such request, then any holder of Series D Preferred Stock may (at the Corporation&rsquo;s expense) call such meeting,
upon notice as provided in this Section (5)(F), and for that purpose shall have access to the stock register of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(G)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise set forth in
Section (5)(F) hereof, the rules and procedures for calling and conducting any meeting of the holders of Series D Preferred Stock
(including, without limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such
a meeting, the obtaining of written consents and any other aspect or matter with regard to such a meeting or such consents shall
be governed by any rules that the Board of Directors of the Corporation (or a duly authorized committee thereof), in its discretion,
may adopt from time to time, which rules and procedures shall conform to the requirements of the Restated Charter of the Corporation,
the By-laws of the Corporation, and applicable laws and the rules of any national securities exchange or other trading facility
on which Series D Preferred Stock is listed or traded at the time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The holders of Series D Preferred Stock
shall not have any rights to convert such shares into shares of any other class or series of stock or into any other securities
of, or any interest or property in, the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Sinking Fund</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No sinking fund shall be established for
the retirement or redemption of Series D Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Preemptive or Subscription
Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">No holder of Series D Preferred Stock of
the Corporation shall, as such holder, have any preemptive right to purchase or subscribe for any additional shares of stock of
the Corporation or any other security of the Corporation that it may issue or sell.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Information Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">During any period in which we are not subject
to Section 13 or 15(d) of the Exchange Act and any shares of Series D preferred stock are outstanding, we will use commercially
reasonable efforts to provide any requesting beneficial owner a copy of our most recently filed &ldquo;Consolidated Financial Statements
for Holding Companies-FR Y-9C&rdquo; and &ldquo;Consolidated Reports of Condition and Income for a Bank With Domestic Offices Only-FFIEC
041,&rdquo; in each case or any applicable successor form.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 11</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">The Series D Preferred Stock shall not
have any designations, preferences or relative, participating, optional or other special rights except as set forth herein or in
the Corporation&rsquo;s Restated Charter or as otherwise required by applicable law.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX D</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 12</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>STANDARD PROVISIONS SERIES E</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-indent: 36pt">Section 1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General Matters</U>. Each
share of Series E Preferred Stock shall be identical in all respects to every other share of Series E Preferred Stock. The Series
E Preferred Stock shall be perpetual, subject to the provisions of Section 5 of these Standard Provisions that form a part of the
Articles of Amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>. As used
herein with respect to the Series E Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt"><I>&ldquo;Appropriate Federal
Banking Agency</I>&rdquo; means the &ldquo;appropriate federal banking agency&rdquo; with respect to the Corporation as defined
in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. &sect; 1813(q)), or any successor provision.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Articles of Amendment</I>&rdquo;
means the Articles of Amendment relating to the Series E Preferred Stock, of which these Standard Provisions form a part, as it
may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Business Day</I>&rdquo;
means each weekday that is not a legal holiday in New York, New York and is not a day on which banking institutions in New York,
New York are authorized or obligated by law, regulation or executive order to close.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Bylaws</I>&rdquo; means
the Bylaws of the Corporation, as may be amended from time to time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Dividend Parity Stock</I>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series E Preferred Stock as to the payment of dividends
(regardless whether such capital stock bears dividends on a non-cumulative or cumulative basis). The Series A Preferred Stock is
a Dividend Parity Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Dividend Period</I>&rdquo;
means each period from and including a Dividend Payment Date to, but excluding, the next succeeding Dividend Payment Date, except
that the initial Dividend Period shall commence on and include the Original Issue Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Dividend Record Date</I>&rdquo;
has the meaning specified in Section 3(a).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>DTC</I>&rdquo; means
The Depository Trust Company, together with its successors and assigns.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Liquidation Junior Stock</I>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, does not expressly provide that it ranks <I>pari passu</I> with or senior to the Series E Preferred Stock as to distributions
upon the liquidation, dissolution or winding-up of the Corporation.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 1</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Liquidation Parity Stock</I>&rdquo;
means any other class or series of capital stock of the Corporation now or hereafter authorized, issued or outstanding that, by
its terms, expressly provides that it ranks <I>pari passu</I> with the Series E Preferred Stock as to distributions upon the liquidation,
dissolution or winding-up of the Corporation. The Series A Preferred Stock is a Liquidation Parity Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Liquidation Preference</I>&rdquo;
means, with respect to any class or series of capital stock of the Corporation, the amount otherwise payable upon such class or
series of capital stock in connection with any distribution upon the liquidation, dissolution or winding-up of the Corporation
(assuming no limitation on the assets of the Corporation available for such distribution), including an amount equal to any declared
but unpaid dividends (and in the case of any holder of capital stock on which dividends accrue on a cumulative basis, an amount
equal to any unpaid, accrued, cumulative dividends, whether or not declared, as applicable).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Nonpayment Event</I>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Original Issue Date</I>&rdquo;
means the first date on which any share of Series E Preferred Stock is issued and outstanding.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Preferred Stock Director</I>&rdquo;
has the meaning set forth in Section 6(c)(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Redemption Date</I>&rdquo;
has the meaning set forth in Section 5(b).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Redemption Depository</I>&rdquo;
has the meaning set forth in Section 5(e).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Redemption Price</I>&rdquo;
means an amount equal to the Series E Liquidation Amount plus the per share amount of any declared but unpaid dividends on the
Series E Preferred Stock prior to the Redemption Date (but with no amount in respect of any dividends that have not been declared
prior to the Redemption Date).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Regulatory Capital Treatment
Event</I>&rdquo; means the good faith determination by the Corporation that, as a result of (i) any amendment to, clarification
of, or change in, the laws or regulations of the United States or any political subdivision of or in the United States that is
enacted or becomes effective after the initial issuance of any share of Series E Preferred Stock, (ii) any proposed change in those
laws or regulations that is announced or becomes effective after the initial issuance of any share of Series E Preferred Stock,
or (iii) any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting
or applying those laws or regulations that is announced after the initial issuance of any share of Series E Preferred Stock, there
is more than an insubstantial risk that the Corporation will not be entitled to treat the full Series E Liquidation Amount of Series
E Preferred Stock then outstanding as &ldquo;tier 1 capital&rdquo; (or its equivalent) for purposes of the capital adequacy guidelines
of the Board of Governors of the Federal Reserve System (or, as and if applicable, the capital adequacy guidelines or regulations
of any successor Appropriate Federal Banking Agency) as then in effect and applicable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Restated Charter</I>&rdquo;
means the Restated Charter of the Corporation, as may be amended from time to time.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 2</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Standard Provisions</I>&rdquo;
means these Standard Provisions that form a part of the Articles of Amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&ldquo;<I>Voting Parity Stock</I>&rdquo;
means, with regard to any matter as to which the holders of Series E Preferred Stock are entitled to vote as specified in Section
6, any and all series of Dividend Parity Stock having voting rights equivalent to those described in Section 6(c). The Series A
Preferred Stock is a Voting Parity Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rate and Payment</U>. Holders
of Series E Preferred Stock shall be entitled to receive, when, as and if declared by the Board of Directors, out of assets legally
available therefor, non-cumulative cash dividends at a rate equal to 6.500% of the Series E Liquidation Amount <I>per annum</I>,
payable in arrears, on each Dividend Payment Date with respect to the Dividend Period (or portion thereof) ending on the day preceding
such respective Dividend Payment Date. Dividends that are payable on the Series E Preferred Stock on any Dividend Payment Date
shall be payable to holders of record of Series E Preferred Stock as they appear on the Corporation&rsquo;s stock register on the
applicable record date, which shall be the 15th calendar day before the applicable Dividend Payment Date, or such other record
date, no more than 60 calendar days nor less than 10 calendar days before the applicable Dividend Payment Date, as shall be fixed
by the Board of Directors (the &ldquo;<U>Dividend Record Date</U>&rdquo;). A Dividend Record Date established for the Series E
Preferred Stock need not be a Business Day. Any such day that is a Dividend Record Date shall be a Dividend Record Date whether
or not such day is a Business Day. Dividends payable on Series E Preferred Stock shall be computed on the basis of a 360-day year
consisting of twelve 30-day months. Dollar amounts resulting from that calculation shall be rounded to the nearest cent, with one-half
cent being rounded upward. The Corporation shall not pay interest or any sum of money instead of interest on any dividend payment
that may be in arrears on the Series E Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends Non-Cumulative</U>.
Dividends on the Series E Preferred Stock will not be cumulative and will not be mandatory. If the Board of Directors does not
declare a dividend on the Series E Preferred Stock in respect of a Dividend Period, then no dividend shall be deemed to have accrued
for such Dividend Period, no dividend shall be payable on the related Dividend Payment Date, and the Corporation shall have no
obligation to pay any dividend for such Dividend Period, whether or not the Board of Directors declares a dividend for any future
Dividend Period with respect to the Series E Preferred Stock or at any future time with respect to any other class or series of
the Corporation&rsquo;s capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Priority Regarding Dividends</U>.
So long as any share of Series E Preferred Stock remains outstanding, unless (A) the full dividends for the most recently completed
Dividend Period have been declared and paid (or declared and a sum sufficient for the payment thereof has been set aside) on all
outstanding shares of Series E Preferred Stock and (B) the Corporation is not in default on its obligation to redeem any shares
of Series E Preferred Stock that have been called for redemption:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no dividend shall be declared,
paid or set aside for payment, and no distribution shall be declared, made or set aside for payment, on any Junior Stock, other
than (1) a dividend payable solely in Junior Stock or (2) any dividend in connection with the implementation of a stockholders&rsquo;
rights plan, or the redemption or repurchase of any rights under any such plan;</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 3</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Junior Stock
shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly, other than (1)
as a result of a reclassification of Junior Stock for or into other Junior Stock, (2) the exchange or conversion of Junior Stock
for or into other Junior Stock, (3) through the use of the proceeds of a sale of other shares of Junior Stock within the preceding
180 days, (4) purchases, redemptions or other acquisitions of shares of Junior Stock in connection with any employment contract,
benefit plan or other similar arrangement with or for the benefit of employees, officers, directors or consultants, (5) purchases
of shares of Junior Stock pursuant to a contractually binding requirement to buy Junior Stock existing prior to the most recently
completed Dividend Period, including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c)
purchase plan), (6) the purchase of fractional interests in shares of Junior Stock pursuant to the conversion or exchange provisions
of such stock or the security being converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s
broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation transactions in Junior
Stock in the ordinary course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of the Corporation&rsquo;s
capital stock for resale pursuant to an offering by the Corporation of such capital stock underwritten by such broker-dealer subsidiary,
or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record ownership in Junior Stock for
the beneficial ownership of any other persons (other than for the beneficial ownership by the Corporation or any of the Corporation&rsquo;s
subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available for a sinking fund for the
redemption of any such securities by the Corporation, and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;no shares of Dividend
Parity Stock shall be repurchased, redeemed or otherwise acquired for consideration by the Corporation, directly or indirectly,
other than (1) pursuant to <I>pro rata</I> offers to purchase all, or a <I>pro rata</I> portion, of the Series E Preferred Stock
and such Dividend Parity Stock, (2) as a result of a reclassification of Dividend Parity Stock for or into other Dividend Parity
Stock, (3) the exchange or conversion of Dividend Parity Stock for or into other Dividend Parity Stock, (4) through the use of
the proceeds of a sale of other shares of Dividend Parity Stock within the preceding 180 days, (5) purchases of shares of Dividend
Parity Stock pursuant to a contractually binding requirement to buy Dividend Parity Stock existing prior to the most recently completed
Dividend Period, including under a contractually binding stock repurchase plan (including a so-called Rule 10b5-1(c) purchase plan),
(6) the purchase of fractional interests in shares of Dividend Parity Stock pursuant to the conversion or exchange provisions of
such stock or the security being converted or exchanged, (7) purchases or other acquisitions by any of the Corporation&rsquo;s
broker-dealer subsidiaries solely for the purpose of market making, stabilization or customer facilitation transactions in Dividend
Parity Stock in the ordinary course of business, (8) purchases by any of the Corporation&rsquo;s broker-dealer subsidiaries of
the Corporation&rsquo;s capital stock for resale pursuant to an offering by the Corporation of such capital stock underwritten
by such broker-dealer subsidiary, or (9) the acquisition by the Corporation or any of the Corporation&rsquo;s subsidiaries of record
ownership in Dividend Parity Stock for the beneficial ownership of any other persons</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 4</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">(other than for the beneficial ownership by the Corporation
or any of the Corporation&rsquo;s subsidiaries), including as trustees or custodians, nor shall any monies be paid to or made available
for a sinking fund for the redemption of any such securities by the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">When dividends are not paid in full upon
the shares of Series E Preferred Stock and any Dividend Parity Stock, all dividends paid or declared for payment on a dividend
payment date with respect to the Series E Preferred Stock and the Dividend Parity Stock shall be shared (i) first ratably by the
holders of any Dividend Parity Stock who have the right to receive dividends with respect to past dividend periods for which such
dividends were not declared and paid, in proportion to the respective amounts of the undeclared and unpaid dividends relating to
past dividend periods, and thereafter (ii) ratably by the holders of Series E Preferred Stock and any Dividend Parity Stock, in
proportion to the respective amounts of the declared and unpaid dividends relating to the current dividend period. To the extent
a dividend period with respect to any Dividend Parity Stock coincides with more than one Dividend Period with respect to the Series
E Preferred Stock, for purposes of the immediately preceding sentence the Board of Directors shall treat such dividend period as
two or more consecutive dividend periods, none of which coincides with more than one Dividend Period with respect to the Series
E Preferred Stock or in any manner that it deems to be fair and equitable. The term &ldquo;<U>dividend period</U>&rdquo; as used
in this paragraph means such dividend periods as are provided for in the terms of any Dividend Parity Stock and, in the case of
shares of Series E Preferred Stock, Dividend Periods applicable to shares of Series E Preferred Stock; and the term &ldquo;<U>dividend
payment dates</U>&rdquo; as used in this paragraph means such dividend payment dates as are provided for in the terms of any Dividend
Parity Stock and, in the case of shares of Series E Preferred Stock, Dividend Payment Dates applicable to shares of Series E Preferred
Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends Generally</U>. Subject
to Section 3(c), and not otherwise, dividends (payable in cash, securities or otherwise) as may be determined by the Board of Directors
may be declared and paid on any class or series of Junior Stock or Dividend Parity Stock from time to time out of any assets legally
available therefor, and the holders of Series E Preferred Stock shall not be entitled to participate in any such dividend. Holders
of Series E Preferred Stock shall not be entitled to receive any dividends not declared by the Board of Directors and no interest,
or sum of money in lieu of interest, shall be payable in respect of any dividend not so declared.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations Under Applicable
Law</U>. Dividends on the Series E Preferred Stock shall not be declared, paid or set aside for payment, if the Corporation fails
to comply, or if and to the extent such act would cause the Corporation to fail to comply, with applicable laws and regulations,
including any capital adequacy guidelines or regulations of the Board of Governors of the Federal Reserve System (or, as and if
applicable, the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liquidation</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voluntary or Involuntary Liquidation</U>.
In the event of any voluntary or involuntary liquidation, dissolution or winding-up of the Corporation, holders of Series E Preferred
Stock shall be entitled to receive out of assets of the Corporation or proceeds thereof available for distribution to stockholders
of the Corporation, after satisfaction of</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 5</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">liabilities or obligations to creditors and subject to the
rights of holders of any securities ranking senior to Series E Preferred Stock with respect to distributions upon the voluntary
or involuntary liquidation, dissolution or winding-up of the Corporation, before any distribution of assets is made to holders
of any Liquidation Junior Stock, a liquidating distribution in an amount equal to (i) the Series E Liquidation Amount plus (ii)
the per share amount of any declared and unpaid dividends on the Series E Preferred Stock prior to the date of payment of such
liquidating distribution (but without any amount in respect of dividends that have not been declared prior to such payment date).
After payment of the full amount of such liquidating distribution, the holders of Series E Preferred Stock shall not be entitled
to any further participation in any distribution of assets of the Corporation.</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-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial Payment</U>. In any distribution
described in Section 4(a), if the assets of the Corporation or proceeds thereof are not sufficient to pay in full the Liquidation
Preference to all holders of Series E Preferred Stock and all Liquidation Parity Stock, the amounts paid to the holders of Series
E Preferred Stock and to the holders of all Liquidation Parity Stock shall be paid <I>pro rata</I> in accordance with the respective
aggregate Liquidation Preferences of the Series E Preferred Stock and all other series of Liquidation Parity Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Residual Distributions</U>. If
the Liquidation Preference has been paid in full to all holders of Series E Preferred Stock and the Liquidation Preference has
been paid in full on all Liquidation Parity Stock, the holders of any Liquidation Junior Stock shall be entitled to receive all
remaining assets of the Corporation or proceeds thereof according to their respective rights and preferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Merger, Consolidation or Other
Business Combination</U>. For purposes of this Section 4, the merger, consolidation or other business combination of the Corporation
with or into any other entity, or by another entity with or into the Corporation, including a merger, consolidation or other business
combination in which the holders of Series E Preferred Stock receive cash, securities or property for their shares, or the sale,
lease, exchange or transfer of all or substantially all of the property or assets of the Corporation (for cash, securities or other
property), shall not constitute a liquidation, dissolution or winding-up of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Redemption</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mandatory Redemption; Sinking
Fund</U>. The Series E Preferred Stock is perpetual and has no maturity date. The Series E Preferred Stock is not subject to any
mandatory redemption, sinking fund or other similar provisions. The holders of the Series E Preferred Stock shall not have the
right to require the redemption or repurchase of the Series E Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Optional Redemption</U>. The
Corporation may, at its option through a resolution duly adopted by the Board of Directors, redeem the Series E Preferred Stock
at a price per share equal to the Redemption Price (1) in whole or in part, from time to time, on any Dividend Payment Date on
or after October 10, 2025, or (2) in whole, but not in part, at any time within 90 days following the occurrence of a Regulatory
Capital Treatment Event. The Redemption Price shall be payable to the holder of any shares of Series E Preferred Stock redeemed
on the date fixed for such redemption (the &ldquo;<U>Redemption Date</U>&rdquo;) against the surrender of the certificate(s) evidencing
such shares to the Corporation or its agent, if the shares of Series E Preferred Stock are issued in certificated form; <I>provided</I>
that any declared</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 6</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">but unpaid dividends payable on a Redemption Date that occurs
subsequent to the Dividend Record Date for a Dividend Period shall not be paid to the holder of Series E Preferred Stock entitled
to receive the Redemption Price on the Redemption Date, but rather shall be paid to the holder of record of the redeemed shares
on such Dividend Record Date relating to the Dividend Payment Date as provided in Section 3 above.</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-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice of Redemption</U>. If
any shares of Series E Preferred Stock are to be redeemed, a notice of redemption shall be given by first class mail to the holders
of record of Series E Preferred Stock to be redeemed at their respective last addresses appearing on the books of the Corporation
(provided that, if Series E Preferred Stock is held in book-entry form through DTC, the Corporation may give such notice in any
manner permitted by DTC). Such notice shall be mailed at least 30 days and no more than 60 days before the applicable Redemption
Date for such shares. Each such notice of redemption shall include a statement setting forth: (1) the Redemption Date for such
shares of Series E Preferred Stock; (2) the number of shares of Series E Preferred Stock to be redeemed and, if less than all the
shares held by such holder are to be redeemed, the number of such shares to be redeemed from such holder; (3) the Redemption Price;
and (4) the place or places where the certificates evidencing shares of Series E Preferred Stock are to be surrendered for payment
of the Redemption Price. Any notice of redemption mailed or otherwise delivered as provided in this Section 5(c) shall be conclusively
presumed to have been duly given, whether or not any holder of Series E Preferred Stock receives such notice. Failure to duly give
notice by mail or otherwise pursuant to this Section 5(c), or any defect in such notice or in the mailing or provision of such
notice, to any holder of shares of Series E Preferred Stock designated for redemption shall not affect the validity of the proceedings
for the redemption of any other shares of Series E Preferred Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Partial Redemption</U>. In case
of any redemption of only part of the shares of Series E Preferred Stock at the time outstanding, the shares of Series E Preferred
Stock to be redeemed shall be selected either <I>pro rata</I>, by lot or in such other manner as the Corporation, through a resolution
duly adopted by the Board of Directors, may determine to be fair and equitable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effectiveness of Redemption</U>.
If notice of redemption has been duly given and if on or before the Redemption Date specified in such notice all funds necessary
for the redemption have been set aside by the Corporation, separate and apart from its other assets, in trust for the <I>pro rata</I>
benefit of the holders of the shares of Series E Preferred Stock called for redemption, so as to be and continue to be available
therefor, or deposited by the Corporation with a bank or trust company selected by the Corporation (the &ldquo;<U>Redemption Depository</U>&rdquo;)
in trust for the <I>pro rata</I> benefit of the holders of the shares called for redemption, then, notwithstanding that any certificate
for any share so called for redemption has not been surrendered for cancellation, on and after the Redemption Date all shares of
Series E Preferred Stock called for redemption shall cease to be outstanding, all dividends with respect to such shares of Series
E Preferred Stock shall cease to accrue after such Redemption Date, and all rights with respect to such shares shall forthwith
on such Redemption Date cease and terminate, except only the right of the holders thereof to receive the amount payable on such
redemption from the Redemption Depository at any time after the applicable Redemption Date from the funds so deposited, without
interest. The Corporation shall be entitled to receive, from time to time, from the Redemption Depository</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 7</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">any interest accrued on such funds, and the holders of any
shares called for redemption shall have no claim to any such interest. Any funds so deposited and unclaimed at the end of two years
from the applicable Redemption Date shall, to the extent permitted by law, be released or repaid to the Corporation, and in the
event of such repayment to the Corporation, the holders of record of the shares of Series E Preferred Stock called for redemption
shall thereafter, as unsecured general creditors of the Corporation, look only to the Corporation for the payment of an amount
equivalent to the amount deposited as stated above for the redemption of such shares, but shall in no event be entitled to any
interest.</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-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations Under Applicable
Law</U>. If then required under the capital adequacy guidelines or regulations of the Board of Governors of the Federal Reserve
System (or, if and as applicable, the capital adequacy guidelines or regulations of any successor Appropriate Federal Banking Agency),
any redemption of all or part of the Series E Preferred Stock is subject to the receipt by the Corporation of any required prior
approval by the Board of Governors of the Federal Reserve System (or such successor Appropriate Federal Banking Agency).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 6.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting Rights</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>. Except as provided
below or as expressly required by law, the holders of shares of Series E Preferred Stock shall have no voting power, and no right
to vote on any matter at any time, either as a separate series or class or together with any other series or class of shares of
capital stock of the Corporation, and shall not be entitled to call a meeting of the holders of any series or class of capital
stock of the Corporation for any purpose, nor shall they be entitled to participate in any meeting of the holders of the Common
Stock. Each holder of Series E Preferred Stock shall have one vote per share (except as set forth otherwise in this Section 6)
on any matter on which holders of Series E Preferred Stock are entitled to vote, including when acting by written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Supermajority Voting Rights</U>.
So long as any shares of Series E Preferred Stock remain outstanding, in addition to any other vote or consent of stockholders
required by law or the Restated Charter, the affirmative vote or consent of the holders of at least two-thirds of all of the shares
of Series E Preferred Stock at the time outstanding and entitled to vote thereon, voting separately as a single class, shall be
required to:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;authorize or increase the
authorized amount of, or issue shares of, any class or series of capital stock of the Corporation ranking senior to the Series
E Preferred Stock with respect to payment of dividends or as to distributions upon the liquidation, dissolution or winding-up of
the Corporation, or issue any obligation or security convertible into or evidencing the right to purchase, any such class or series
of capital stock of the Corporation;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;amend the provisions of
the Restated Charter or Bylaws so as to materially and adversely affect the special powers, preferences, privileges or rights of
Series E Preferred Stock, taken as a whole; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;consummate a binding
share-exchange or reclassification involving the Series E Preferred Stock, or a merger or consolidation of the Corporation with
or into another entity, unless the shares of Series E Preferred Stock (i) remain outstanding or (ii) are converted into or exchanged
for preference securities of the</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 8</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">surviving entity or any entity controlling such surviving
entity and such new preference securities have terms that are not materially less favorable than those of the Series E Preferred
Stock;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>provided</I>, <I>however</I>, that, for all purposes of
this Section 6(b), the authorization, creation and issuance, or an increase in the authorized or issued amount of, Junior Stock
or any series of Preferred Stock, or any securities convertible into or exchangeable or exercisable for Junior Stock or any series
of Preferred Stock, that by its terms expressly provides that it ranks <I>pari passu</I> with the Series E Preferred Stock with
respect to the payment of dividends (whether such dividends are cumulative or non-cumulative) and as to distributions upon the
liquidation, dissolution or winding-up of the Corporation shall not be deemed to materially and adversely affect the powers, preferences,
privileges or rights of Series E Preferred Stock, and shall not require the affirmative vote or consent of, the holders of any
outstanding shares of Series E Preferred Stock.</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-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Election of Directors under Certain
Circumstances</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If and when dividends on
the Series E Preferred Stock and any other class or series of Voting Parity Stock have not been declared and paid (i) in the case
of the Series E Preferred Stock and any other class or series of Voting Parity Stock bearing non-cumulative dividends, in full
for at least six quarterly dividend periods or their equivalent (whether or not consecutive) or (ii) in the case of any class or
series of Voting Parity Stock bearing cumulative dividends, in an aggregate amount equal to full dividends for at least six quarterly
dividend periods or their equivalent (whether or not consecutive) (each, a &ldquo;<U>Nonpayment Event</U>&rdquo;), the number of
directors then constituting the Board of Directors shall automatically be increased by two and the holders of Series E Preferred
Stock, together with the holders of any outstanding shares of Voting Parity Stock, voting together as a single class, shall be
entitled to elect the two additional directors (the &ldquo;<U>Preferred Stock Directors</U>&rdquo;) at any annual or special meeting
of stockholders at which directors are to be elected or any special meeting of the holders of the Series E Preferred Stock and
any Voting Parity Stock for which dividends have not been paid; <I>provided</I> that it shall be a qualification for election for
any such Preferred Stock Director that the election of such director shall not cause the Corporation to violate the corporate governance
requirement of the New York Stock Exchange (or any other securities exchange or other trading facility on which securities of the
Corporation may then be listed or traded) and <I>provided</I>,<I> further</I>, that the Board of Directors shall at no time include
more than two Preferred Stock Directors (including, for purposes of this limitation, all directors that the holders of any series
of Voting Parity Stock are entitled to elect pursuant to like voting rights).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the event that the
holders of Series E Preferred Stock and, if applicable, such other holders of Voting Parity Stock shall be entitled to vote for
the election of the Preferred Stock Directors following a Nonpayment Event, such directors shall be initially elected following
such Nonpayment Event only at a special meeting called by the Secretary of the Corporation or at the written request of the holders
of record of at least 20% of the aggregate number of shares of Series E Preferred Stock and each other series of Voting Parity
Stock which then have the</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 9</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">right to exercise voting rights similar to those
described above then outstanding (unless such request for a special meeting is received less than 90 days before the date fixed
for the next annual or special meeting of the stockholders of the Corporation, in which event such election shall be held only
at such next annual or special meeting of stockholders), and at each subsequent annual meeting of stockholders of the Corporation.
Such request to call a special meeting for the initial election of the Preferred Stock Directors after a Nonpayment Event shall
be made by written notice, signed by the requisite holders of Series E Preferred Stock or Voting Parity Stock, and delivered to
the Secretary of the Corporation in such manner as provided for in Section 10 below, or as may otherwise be required by applicable
law. If the Secretary of the Corporation fails to call a special meeting for the election of the Preferred Stock Directors within
20 days of receiving proper notice, any holder of Series E Preferred Stock may call such a meeting at the Corporation&rsquo;s expense
solely for the election of the Preferred Stock Directors, and for this purpose only such Series E Preferred Stock holder shall
have access to the Corporation&rsquo;s stock ledger. The Preferred Stock Directors elected at any such special meeting shall hold
office until the next annual meeting of the stockholders if such office shall not have previously terminated as below provided.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;When dividends have been
paid in full on the Series E Preferred Stock and any and all series of non-cumulative Voting Parity Stock (other than the Series
E Preferred Stock) for consecutive Dividend Periods equivalent to at least one year after a Nonpayment Event and all dividends
on any cumulative Voting Parity Stock have been paid in full, then the right of the holders of Series E Preferred Stock to elect
the Preferred Stock Directors shall cease (but subject always to re-vesting of such voting rights in the case of any future Nonpayment
Event), and, if and when any rights of holders of Series E Preferred Stock and Voting Parity Stock to elect the Preferred Stock
Directors shall have ceased, the terms of office of all the Preferred Stock Directors shall forthwith terminate and the number
of directors constituting the Board of Directors shall automatically be reduced accordingly.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any Preferred Stock Director
may be removed at any time without cause by the holders of record of a majority of the outstanding shares of Series E Preferred
Stock and Voting Parity Stock, when they have the voting rights described above (voting together as a single class). In case any
vacancy shall occur among the Preferred Stock Directors, a successor shall be elected by the Board of Directors to serve until
the next annual meeting of the stockholders upon the nomination of the then remaining Preferred Stock Director or, if no Preferred
Stock Director remains in office, by the vote of the holders of record of a majority of the outstanding shares of Series E Preferred
Stock and such Voting Parity Stock, voting as a single class. The Preferred Stock Directors shall each be entitled to one vote
per director on any matter that shall come before the Board of Directors for a vote.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes after Provision for Redemption</U>.
The voting rights provided in this Section 6 shall not apply if, at or prior to the time when the act with respect to which such
vote or consent would otherwise be required shall be effected, all outstanding shares of Series E Preferred Stock have been redeemed
or called for redemption upon proper notice and sufficient funds have been set aside in accordance with Section 5(e).</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 10</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Changes for Clarification</U>.
Without the consent of the holders of Series E Preferred Stock, so long as such action does not materially and adversely affect
the rights, preferences, privileges and voting powers, and limitations and restrictions thereof, of the Series E Preferred Stock,
the Corporation may amend, alter, supplement or repeal any terms of the Series E Preferred Stock:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to cure any ambiguity,
or to cure, correct or supplement any provision contained in this Articles of Amendment that may be defective or inconsistent;
or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;to make any provision
with respect to matters or questions arising with respect to the Series E Preferred Stock that is not inconsistent with the provisions
of this Articles of Amendment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 36pt; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures for Voting and Consents</U>.
The rules and procedures for calling and conducting any meeting of the holders of Series E Preferred Stock (including, without
limitation, the fixing of a record date in connection therewith), the solicitation and use of proxies at such a meeting, the obtaining
of written consents and any other aspect or matter with regard to such a meeting or such consents shall be governed by any rules
the Board of Directors, in its discretion, may adopt from time to time, which rules and procedures shall conform to the requirements
of the Restated Charter, the Bylaws, applicable law and any national securities exchange or other trading facility on which the
Series E Preferred Stock is listed or traded at the time. Whether the vote or consent of the holders of a majority or other portion
of the shares of Series E Preferred Stock and any Voting Parity Stock has been cast or given on any matter on which the holders
of shares of Series E Preferred Stock are entitled to vote shall be determined by the Corporation by reference to the respective
liquidation preference amounts of the shares of Series E Preferred Stock and Voting Parity Stock voted or covered by the consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion Rights</U>.
The holders of shares of Series E Preferred Stock shall not have any rights to convert such shares into shares of any other class
or series of securities of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 8.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Preemptive Rights</U>.
The holders of shares of Series E Preferred Stock shall have no preemptive rights with respect to any shares of the Corporation&rsquo;s
capital stock or any of its other securities convertible into or carrying rights or options to purchase any such capital stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 9.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Record Holders</U>. To
the fullest extent permitted by applicable law, the Corporation and the transfer agent for the Series E Preferred Stock may deem
and treat the record holder of any share of Series E Preferred Stock as the true and lawful owner thereof for all purposes, and
neither the Corporation nor such transfer agent shall be affected by any notice to the contrary.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 10.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices
or communications in respect of the Series E Preferred Stock shall be sufficiently given if given in writing and delivered in person
or by first class mail or if giving in such other manner as may be permitted herein, in the Restated Charter or Bylaws or by applicable
law. Delivery of a notice or communication to the Company will be effective upon receipt. Delivery of a notice or communication
to holders of shares of Series E Preferred Stock will be effective upon, in the case of personal delivery, receipt or, in the case
of mailing, deposit in the mail, postage prepaid. Notwithstanding the</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 11</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">foregoing, if shares of Series E Preferred Stock or depositary
shares representing an interest in shares of Series E Preferred Stock are issued in book-entry form through DTC, such notices may
be given to the holders of the Series E Preferred Stock in any manner permitted by DTC.</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-indent: 36pt">Section 11.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Stock Certificates</U>.
The Corporation may at its option issue shares of Series E Preferred Stock without certificates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">Section 12.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other Rights</U>. The
Series E Preferred Stock shall not have any powers, preferences, privileges or rights other than as set forth herein or in the
Restated Charter or as provided by applicable law.</P>


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

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>ANNEX E</B></P>

<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: center">Page 12</P>

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<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right"><B>EXHIBIT 3.2</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(As Amended and Restated Effective October
27, 2020)</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: center"><B>ARTICLE ONE<BR>
<U>OFFICES</U></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-indent: 0.5in"><B>1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Principal
Office</U>. </B>The principal office of First Horizon National Corporation (the &ldquo;Corporation&rdquo;) shall be 165 Madison
Avenue, Memphis, Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other
Offices</U>. </B>The Corporation may have offices at such other places, either within or without the State of Tennessee, as the
Board of Directors may from time to time designate or as the business of the Corporation may from time to time require.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registered
Office</U>. </B>The registered office of the Corporation required to be maintained in the State of Tennessee shall be the same
as its principal office and may be changed from time to time as provided by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE TWO<BR>
<U>SHAREHOLDERS</U></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-indent: 0.5in"><B>2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Place
of Meetings</U>. </B>Meetings of the shareholders of the Corporation may be held either in the State of Tennessee or elsewhere
at a place fixed by the Board of Directors. If no place is so fixed for a particular meeting, it shall be held at the principal
office of the Corporation in the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Quorum
and Adjournments</U>. </B>The holders of a majority of the shares issued and outstanding and entitled to vote thereat, present
in person or represented by proxy, shall be requisite, and shall constitute a quorum at all meetings of the shareholders, for the
transaction of business, except as otherwise provided by law, the Restated Charter of the Corporation, as amended from time to
time (the &ldquo;Charter&rdquo;), or these Bylaws. In the event a quorum is not obtained at the meeting, the holders of a majority
of the shares entitled to vote thereat, present in person or by proxy, shall have power to adjourn the meeting from time to time
and, whether or not a quorum is obtained at the meeting, the Chairman of the meeting shall have the power to adjourn the meeting
from time to time, in either case without notice, except as otherwise provided by law, other than announcement at the meeting.
At such adjourned meeting at which the requisite amount of voting shares shall be represented, any business may be transacted which
might have been transacted at the meeting as originally notified.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Meetings</U>. </B>Unless otherwise required by applicable law, written notice of the annual and each special meeting stating
the date, time and place of the meeting shall be mailed, postage prepaid, or otherwise delivered to each shareholder entitled to
vote thereat at such address as appears on the records of shareholders of the Corporation, at least ten (10) days, but not more
than two (2) months, prior to the meeting date. In addition, notice of any special meeting shall state the purpose or purposes
for which the meeting is called and the person or persons calling the meeting. In the event of an adjournment of a meeting to a
date more than four months after the date fixed for the original meeting or the Board of Directors fixes a new record date for
the adjourned meeting, a new notice of the adjourned meeting must be given to shareholders as of the new record date. Any previously
scheduled meeting may be postponed, and any special meeting may be canceled, by resolution of the Board of Directors upon public
notice given prior to the date scheduled for such meeting.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Annual
Meetings</U>. </B>The annual meeting of shareholders for the election of directors and for the transaction of such other business
as may properly come before the meeting shall be held each year on such date and at such time as the Board of Directors may fix
by resolution by vote of a majority of the entire Board of Directors. At the meeting, the shareholders shall elect by ballot directors
to succeed the directors whose terms expire at the meeting and may transact such other business as may properly come before the
meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special
Meetings</U>. </B>Special meetings of the shareholders for any purpose or purposes, unless otherwise prescribed by statute, may
be called by Chairman of the Board and shall be called by the Chairman of the Board or the Secretary at the request in writing
of a majority of the Board of Directors. Only such business within the purpose or purposes described in the notice of the meeting
may be conducted at the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver
of Notice</U>. </B>Any shareholder may waive in writing notice of any meeting either before, at or after the meeting. Attendance
by a shareholder in person or by proxy at a meeting shall constitute a waiver of objection to lack of notice or defective notice
and a waiver of objection to consideration of a matter that was not described in the meeting notice unless the shareholder objects
in the manner required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Voting</U>.
</B>Unless otherwise required by the Charter, at each meeting of shareholders, each shareholder shall have one vote for each share
of stock having voting power registered in the shareholder&rsquo;s name on the records of the Corporation on the record date for
that meeting, and every shareholder having the right to vote shall be entitled to vote in person or by proxy appointed by instrument
in writing or any other method permitted by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>2.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures
for Bringing Business before Shareholder Meeting</U>. </B>At an annual or special meeting of shareholders, only such business shall
be conducted, and only such proposals shall be acted upon, as shall have been properly brought before an annual or special meeting
of shareholders. To be properly brought before an annual or special meeting of shareholders, business (other than nomination of
a director, which is governed by Sections 3.6 and 3.16) must be (i) in the case of a special meeting called by the Chairman of
the Board or at the request of the Board of Directors, specified in the notice of the special meeting (or any supplement thereto),
or (ii) in the case of an annual meeting properly brought before the meeting by or at the direction of the Board of Directors or
(iii) otherwise properly brought before the annual or special meeting by a shareholder. For business to be properly brought before
such a meeting of shareholders by a shareholder, the shareholder must have given timely notice thereof in writing to the Secretary
of the Corporation. To be timely, a shareholder&rsquo;s notice must be delivered to or mailed and received at the principal executive
offices of the Corporation not less than 90 days nor more than 120 days prior to the date of the meeting; provided, however, that
if fewer than 100 days&rsquo; notice or prior public disclosure of the date of the meeting is given or made to shareholders, notice
by the shareholders to be timely must be so delivered or received not later than the close of business on the 10th day following
the earlier of (i) the day on which such notice of the date of such meeting was mailed or (ii) the day on which such public disclosure
was made. A shareholder&rsquo;s notice to the Secretary shall set forth as to each matter the shareholder proposes to bring before
a meeting of shareholders (i) a brief description of the business desired to be brought before the meeting and the reasons for
conducting such business at the meeting, (ii) the name and address, as they appear on the Corporation&rsquo;s books, of the shareholder
proposing such business and any other shareholders known by such shareholder to be supporting such proposal, (iii) the class and
number of shares of the Corporation which are beneficially owned by such shareholder on the date of such shareholder&rsquo;s notice
and by any other shareholders known by such shareholder to be supporting such proposal on the date of such shareholder&rsquo;s
notice, and (iv) any material interest of the shareholder in such proposal. Notwithstanding anything in these Bylaws to the contrary,
no</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">business shall be conducted at a meeting of shareholders except
in accordance with the procedures set forth in this Section 2.8. The Chairman of the meeting shall, if the facts warrant, determine
and declare to the meeting that the business was not properly brought before the meeting in accordance with the procedures prescribed
by these Bylaws, and if the Chairman should so determine, the Chairman shall so declare to the meeting and any such business not
properly brought before the meeting shall not be transacted. The nomination of a director at an annual or special meeting shall
be governed by Sections 3.6 and 3.16. Beneficial ownership for the purpose of this Section 2.8 shall be determined in accordance
with Section 3.16(c)(iv).</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-indent: 0.5in"><B>2.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>SEC
Proxy Rules</U>. </B>In addition to complying with the provisions of Section 2.8, a shareholder shall also comply with all applicable
requirements of the Securities Exchange Act of 1934 and the rules and regulations thereunder with respect to the matters set forth
in Section 2.8. Nothing in Section 2.8 shall be deemed to affect any rights of shareholders to request inclusion of proposals in
the Corporation&rsquo;s proxy statement pursuant to rules of the Securities and Exchange Commission (&ldquo;SEC&rdquo;). For such
proposals to be acted upon at a meeting, however, compliance with the notice provisions of Section 2.8 is also required.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE THREE<BR>
<U>DIRECTORS</U></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-indent: 0.5in"><B>3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Powers
of Directors</U>. </B>The business and affairs of the Corporation shall be managed under the direction of and all corporate powers
shall be exercised by or under the authority of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Number
and Qualifications</U>. </B>As provided in Section 3.17, the Board of Directors shall consist of seventeen members. Except as otherwise
provided in Section 3.17: the Board of Directors has the power to change from time to time the number of directors specified in
the preceding sentence; and, any such change in the number of directors constituting the Corporation&rsquo;s Board Directors must
be made exclusively by means of an amendment to these Bylaws adopted by a majority of the entire Board of Directors then in office.
Directors need not be shareholders of the Corporation nor residents of the State of Tennessee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Term
of Office</U>. </B>Except as otherwise provided by law or by the Charter, the term of each director hereafter elected shall be
from the time of his or her election and qualification until the annual meeting next following such election and until a successor
shall have been duly elected and qualified; subject, however, to the right of the removal of any director as provided by law, by
the Charter or by these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation</U>.
</B>The directors shall be paid for their services on the Board of Directors and on any Committee thereof such compensation (which
may include cash, shares of stock of the Corporation and options thereon) and benefits together with reasonable expenses, if any,
at such times as may, from time to time, be determined by resolution adopted by a majority of the entire Board of Directors; provided
that nothing herein contained shall be construed to preclude any director from serving the Corporation in any other capacity and
being compensated therefor; provided further that if the Chairman of the Board is at the same time serving as the Chief Executive
Officer of the Corporation, he or she will not be compensated as a non-employee director for his or her service as Chairman.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Committees</U>.
</B>Except as otherwise provided in Section 3.17(e), the directors, by resolution adopted by a majority of the entire Board of
Directors, may designate an executive committee and other committees, consisting of one or more directors, and may delegate to
such committee or</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">committees all such authority of the Board of Directors that
it deems desirable, including, without limitation, authority to appoint corporate officers, fix their salaries, and, to the extent
such is not provided by law, the Charter or these Bylaws, to establish their authority and responsibility, except that no such
committee or committees shall have and exercise the authority of the Board of Directors to:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(a)</TD><TD>authorize distributions (which include dividend declarations), except according to a formula or method prescribed by the Board
of Directors,</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(b)</TD><TD>fill vacancies on the Board of Directors or on any of its committees,</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(c)</TD><TD>adopt, amend or repeal bylaws,</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(d)</TD><TD>authorize or approve the reacquisition of shares, except according to a formula or method prescribed by the Board of Directors,
or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(e)</TD><TD>authorize or approve the issuance or sale or contract for sale of shares, or determine the designation and relative rights,
preferences and limitations of a class or series of shares, except that the Board of Directors may authorize a committee to do
so within limits specifically prescribed by the Board of Directors.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures
for Director Nominations</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided in Section 3.7 with respect to vacancies on the Board of Directors, and except as otherwise provided in Section 3.17,
only persons nominated in accordance with this Section 3.6 shall be eligible for election as directors. Nominations of persons
for election to the Board of Directors may be made (i) at any meeting of shareholders by or at the direction of the Board of Directors,
(ii) at any meeting of shareholders by any shareholder of the Corporation entitled to vote for the election of directors at such
meeting who complies with the procedures set forth in this Section 3.6, or (iii) commencing with the annual meeting of shareholders
to be held in 2020, at an annual meeting of shareholders by any Nominating Shareholder (as defined in Section 3.16 of these Bylaws)
who satisfies the requirements set forth in Section 3.16 of these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
nominations to be properly brought before a meeting by a shareholder pursuant to clause (ii) of Section 3.6(a) above, the shareholder
must give timely notice in writing to the Secretary of the Corporation. To be timely, a shareholder&rsquo;s notice must be delivered
to or mailed and received at the principal executive offices of the Corporation not less than 90 days nor more than 120 days prior
to the date of a meeting; provided, however, that if fewer than 100 days&rsquo; notice or prior public disclosure of the date of
the meeting is given or made to shareholders, notice by the shareholder to be timely must be so delivered or received not later
than the close of business on the 10th day following the earlier of (i) the day on which such notice of the date of such meeting
was mailed or (ii) the day on which such public disclosure was made. In addition, such shareholder&rsquo;s notice to the Secretary
shall set forth (i) as to each person whom the shareholder proposes to nominate for election or reelection as a director (a) the
name, age, business address and residence address of such person, (b) the principal occupation or employment of such person, (c)
the class and number of shares of the Corporation which are beneficially owned by such person on the date of such shareholder&rsquo;s
notice and (d) any other information relating to such person that is required to be disclosed in solicitations of proxies for election
of directors or, is otherwise required, in each case pursuant to Regulation 14A under the Securities Exchange Act of 1934, as amended
(including, without limitation, such person&rsquo;s written consent to being named in the proxy statement as a nominee and to serving
as a director if elected); and (ii) as to the shareholder giving the notice (a) the name and address, as they appear on the Corporation&rsquo;s
books, of such shareholder and any other shareholders known by such shareholder to be supporting such nominees and (b) the class
and number of</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">shares of the Corporation which are beneficially owned by such
shareholder on the date of such shareholder&rsquo;s notice and by any other shareholders known by such shareholder to be supporting
such nominees on the date of such shareholder&rsquo;s notice. The Corporation may require any proposed director nominee to furnish
such other information as it may reasonably require to determine the eligibility of such proposed nominee to serve as an independent
director of the Corporation and to comply with applicable law. Beneficial ownership for purposes of this Section 3.6 shall be determined
in accordance with Section 3.16(c)(iv).</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-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as provided in Section 3.7 with respect to vacancies on the Board of Directors, no person shall be eligible for election as a director
of the Corporation unless nominated in accordance with this Section 3.6 or, commencing with the annual meeting of shareholders
to be held in 2020, Section 3.16. The Chairman of the meeting shall, if the facts warrant, determine and declare to the meeting
that a nomination was not made in accordance with the procedures prescribed by these Bylaws, and if the Chairman should so determine,
the Chairman shall so declare to the meeting and the defective nomination shall be disregarded.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vacancies;
Removal from Office</U>. </B>Except as otherwise provided by law or by the Charter, newly created directorships resulting from
any increase in the authorized number of directors or any vacancies on the Board of Directors resulting from death, resignation,
retirement, disqualification or any other cause (except removal from office) shall be filled only by the Board of Directors, provided
that a quorum is then in office and present, or only by a majority of the directors then in office, if less than a quorum is then
in office or by the sole remaining director. Any vacancies on the Board of Directors resulting from removal from office may be
filled by the affirmative vote of the holders of at least a majority of the voting power of all outstanding voting stock or, if
the shareholders do not so fill such a vacancy, by a majority of the directors then in office. Directors elected to fill a newly
created directorship or other vacancy shall hold office for a term expiring at the next shareholders&rsquo; meeting at which directors
are elected and until such director&rsquo;s successor has been duly elected and qualified. A director of the Corporation may be
removed by the shareholders only for cause by the affirmative vote of the holders of at least a majority of the voting power of
all outstanding voting stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Place
of Meetings</U>. </B>The directors may hold meetings of the Board of Directors or of a committee thereof at the principal office
of the Corporation in Memphis, Tennessee, or at such other place or places, either in the State of Tennessee or elsewhere, as the
Board of Directors or the members of the committee, as applicable, may from time to time determine by resolution or by written
consent or as may be specified in the notice of the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Quorum</U>.
</B>A majority of the directors shall constitute a quorum for the transaction of business, but a smaller number may adjourn from
time to time, without further notice, if the time and place to which the meeting is adjourned are fixed at the meeting at which
the adjournment is taken and if the period of adjournment does not exceed thirty (30) days in any one (1) adjournment. The vote
of a majority of the directors present at a meeting at which a quorum is present shall be the act of the Board of Directors, unless
the vote of a greater number is required by law, the Charter, or these Bylaws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regular
Meetings</U>. </B>Following each annual meeting of shareholders, the newly elected directors shall meet for the purpose of organization,
the appointment of officers and the transaction of other business, and, if a majority of the directors be present at such place,
day and hour, no prior notice of such meeting shall be required to be given to the directors. The place, day and hour of such meeting
may also be fixed by resolution or by written consent of the directors. In addition, the Board of Directors may approve an annual
schedule for regular meetings of the Board of Directors and of committees thereof, and any committee may revise its annual schedule
for regular meetings thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special
Meetings</U>. </B>Special meetings of the Board of Directors may be called by the Chairman of the Board, the Chief Executive Officer,
or the President, and shall be called by the Chairman of the Board or Secretary on the written request of a majority of directors
then in office. Special meetings of any committee of the Board of Directors may be called by the person or persons specified in
the resolution of the Board of Directors establishing the committee or, for any standing committee, by its chair. Advance notice
of any special meeting shall be given to each director or committee member, as appropriate, as provided in this section. The person
or persons calling the meeting, or the Secretary, shall endeavor in good faith to provide at least two days&rsquo; advance notice,
if practicable. In any case, each special meeting shall be called on at least two hours&rsquo; advance notice, given personally
or by telephone, by facsimile transmission, by any means of physical delivery, or by any means of electronic transmission. The
notice shall state the day and hour of the meeting and the place where the meeting is to be held. Special meetings of the directors
may be held at any time on written waiver of notice or by consent of all the directors, either of which may be given before, at
the time of, or after the meeting. Electronic transmission to a director may be by electronic mail or message to an address provided
by the director, or by any other electronic transmission method to which the director has consented. Each director is deemed to
agree and consent to receive a notice of any meeting in electronic form delivered by electronic transmission, provided however
that a director may deliver to the Secretary and the Chairman of the Board an explicit objection to such form or delivery method,
in which case notice will be given to that director in another form or by another method, as applicable. Any such objection shall
apply only to the meeting to which it relates unless it explicitly provides for ongoing effect; no such ongoing objection shall
continue in effect after the director&rsquo;s then-current term ends.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action
without a Meeting</U>.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
lieu of a meeting of the Board of Directors or of a committee thereof, directors may take any action which they are required or
permitted to take, without a meeting, by written consent setting forth the action so taken. Such written consent, singly or in
counterparts, shall be signed by each of the directors entitled to vote thereon and shall be delivered to an Authorized Recipient.
The following persons are Authorized Recipients of written consents: the Corporation&rsquo;s Secretary, any Assistant Secretary,
or any other person authorized by the Board of Directors, the Secretary, or an Assistant Secretary in a particular case to receive
written consents. If all the directors entitled to vote consent to taking such action without a meeting, the affirmative vote of
the number of directors necessary to authorize or take such action at a meeting is the act of the Board of Directors or committee,
as appropriate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without
limiting the generality of the foregoing, any such action may be signed and delivered to the Corporation in conformity with any
of, or any combination of, the following:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>A written consent may be signed manually or by facsimile. For this purpose &ldquo;facsimile&rdquo; includes any image of a
manual signature, whether on paper or in an electronic format.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>A written consent may be signed electronically as permitted by law, except to the extent explicitly limited by these bylaws
or by Board action. Examples of electronic signatures include: the manual signature of the director created and placed on an electronic
written consent using a stylus or otherwise; the typed or other written name of the director appearing in an email, text message,
or other electronic communication where the context indicates the director&rsquo;s intent for the name to constitute or have the
effect of a signature; and, within any electronic system which the Secretary or any Assistant Secretary has selected to use for
this purpose, marking or otherwise indicating electronically the director&rsquo;s approval, disapproval, or other vote. Neither
such communication, nor any vote record created or retained by the system, need include the text of or a copy of the written consent
which is signed electronically so long as the Authorized Recipient can reasonably determine the relationship of the signature to
the consent signed.</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>A signed written consent on any physical medium may be delivered by any physical means.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iv)</TD><TD>A facsimile of a signed written consent may be delivered by any physical means or by any electronic transmission, subject to
paragraph (vi). Examples of the latter include: transmitting to an Authorized Recipient by email a scanned image of the manually
signed written consent or of a manually signed signature page thereof; and, transmitting to an Authorized Recipient by email the
electronic written consent document with the director&rsquo;s signature, or a facsimile, electronically placed within the document.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(v)</TD><TD>If a written consent is signed electronically, delivery to the Corporation may be accomplished by any electronic transmission,
subject to paragraph (vi). For example, the transmission by a director to an Authorized Recipient of an email which refers to a
written consent document previously delivered to the director, which indicates his or her vote(s) or recusal, and which includes
an electronic signature would be an acceptable means of delivery.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(vi)</TD><TD>In the case of any delivery by electronic transmission: (A) the recipient must be able to receive and interpret the transmission
either by using the Corporation&rsquo;s equipment and systems or by using other equipment and systems which the recipient has available
and is willing to use for this purpose; and (B) transmission may be to the recipient&rsquo;s Corporation-provided email address
or text-enabled device, or (to the extent permitted by the recipient either before or after receipt) may be to the recipient&rsquo;s
personal email address or text-enabled device. In the latter case, the recipient&rsquo;s permission may be express or implied from
his or her actions following receipt.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
director may change or revoke his or her vote related to an action by written consent only if the change or revocation is signed
and delivered in a manner permitted for the initial vote as provided in this section and only if the action by written consent
has not yet become effective. A director may not revoke his or her consent to take an action without a meeting. A director may
instruct an Authorized Recipient to hold the director&rsquo;s signed consent in escrow on the director&rsquo;s behalf, in which
case delivery of such consent shall not be effective until released by the director or until the occurrence of one or more events
explicitly identified by the director as conditions to his or her delivery. If an escrow has been established, the Authorized Recipient&rsquo;s
good faith determination of whether and when delivery is effected shall be conclusive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Secretary is authorized to implement, administer, and interpret this Section so as to promote consistency and reliability as well
as convenience and efficiency. Each Authorized Recipient is authorized to determine in each case whether and when a written consent
has been fully signed and delivered as provided in this section. The records of the Board or Committee, as applicable, may contain,
in lieu of or in addition to copies of each manual or facsimile signature, one or more certifications by the Secretary and/or other
Authorized Recipient(s) to the effect, collectively, that each director required to sign and deliver the written consent did so,
specifying the date on which the last consent to be delivered was delivered.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
director who signs or delivers an action by written consent using any electronic form or transmission method is deemed to have
agreed and consented to the use of such form and method.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a committee established by the Board of Directors consists of at least one director and at least one non-director officer, each
reference in this section and Section 3.13 to &ldquo;director&rdquo; shall include each such officer.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Teleconference
Meetings</U>. </B>Directors may participate in a meeting of the Board of Directors or of a committee thereof by, or conduct a meeting
through the use of, any means of communication by which all directors participating may simultaneously hear each other during the
meeting. A director so participating is deemed to be present in person at such meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chairman
of the Board</U>. </B>The Chairman of the Board shall preside at all meetings of the shareholders and of the Board of Directors
(except, with respect to meetings of the Board of Directors, as may be otherwise determined by the Board of Directors) and shall
have such powers and perform such duties as may be provided for herein and as are normally incident to the position and as may
be assigned by the Board of Directors. If and at such times as the Board of Directors so determines, the Chairman of the Board
may also serve as the Chief Executive Officer of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>3.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vice
Chairmen</U>. </B>Vice Chairmen shall perform such duties and exercise such powers as may be prescribed by the Board of Directors
or the Chairman of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder
Nominations Included in the Corporation&rsquo;s Proxy Materials.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Inclusion
of Nominees in Proxy Statement</U>. Subject to the provisions of this Section 3.16, if expressly requested in the relevant Nomination
Notice (as defined below), the Corporation shall include in its proxy statement for any annual meeting of shareholders:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>the names of any person or persons nominated for election (each, a &ldquo;Nominee&rdquo;), which shall also be included on
the Corporation&rsquo;s form of proxy and ballot, by any Eligible Holder (as defined below) or group of up to 20 Eligible Holders
that has (individually and collectively, in the case of a group) satisfied, as determined by the Board of Directors, all applicable
conditions and complied with all applicable procedures set forth in this Section (such Eligible Holder or group of Eligible Holders
being a &ldquo;Nominating Shareholder&rdquo;);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>disclosure about each Nominee and the Nominating Shareholder required under the rules of the SEC or other applicable law to
be included in the proxy statement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>any statement included by the Nominating Shareholder in the Nomination Notice for inclusion in the proxy statement in support
of each Nominee&rsquo;s election to the Board of Directors (subject, without limitation, to Section 3.16(e)(ii)), if such statement
does not exceed 500 words and fully complies with Section 14 of the Securities Exchange Act of 1934 and the rules and regulations
thereunder, including Rule 14a-9 (the &ldquo;Supporting Statement&rdquo;); and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iv)</TD><TD>any other information that the Corporation or the Board of Directors determines, in their discretion, to include in the proxy
statement relating to the nomination of each Nominee, including, without limitation, any statement in opposition to the nomination,
any of the information provided pursuant to this Section and any solicitation materials or related information with respect to
a Nominee.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For purposes of this Section 3.16, any determination to be made
by the Board of Directors may be made by the Board of Directors, a committee of the Board of Directors or any officer of the Corporation
designated by the Board of Directors or a committee of the Board of Directors.</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-indent: 36pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Maximum
Number of Nominees</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>The Corporation shall not be required to include in the proxy statement for an annual meeting of shareholders more Nominees
than that number of directors constituting the greater of (i) two or (ii) 20% of the total number of directors of the Corporation
on the</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">last day on which a Nomination Notice may be submitted
pursuant to this Section (rounded down to the nearest whole number) (the &ldquo;Maximum Number&rdquo;). The Maximum Number for
a particular annual meeting shall be reduced by: (1) Nominees who the Board of Directors itself decides to nominate for election
at such annual meeting; (2) Nominees who, after becoming a Nominee, cease to satisfy, or Nominees of Nominating Shareholders that,
after becoming Nominating Shareholders, cease to satisfy, the eligibility requirements in this Section 3.16, as determined by the
Board of Directors; (3) Nominees whose nomination is withdrawn by the Nominating Shareholder or who become unwilling to serve on
the Board of Directors; and (4) the number of incumbent directors who had been Nominees with respect to any of the preceding two
annual meetings of shareholders and whose reelection at the upcoming annual meeting is being recommended by the Board of Directors.
In the event that one or more vacancies for any reason occurs on the Board of Directors after the deadline for submitting a Nomination
Notice as set forth in Section 3.16(d) but before the date of the annual meeting, and the Board of Directors resolves to reduce
the size of the Board in connection therewith, the Maximum Number shall be calculated based on the number of directors in office
as so reduced.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>If the number of Nominees pursuant to this Section for any annual meeting of shareholders exceeds the Maximum Number then,
promptly upon notice from the Corporation, each Nominating Shareholder will select one Nominee for inclusion in the proxy statement
until the Maximum Number is reached, going in order of the amount (largest to smallest) of the ownership position as disclosed
in each Nominating Shareholder&rsquo;s Nomination Notice, with the process repeated if the Maximum Number is not reached after
each Nominating Shareholder has selected one Nominee. If, after the deadline for submitting a Nomination Notice as set forth in
Section 3.16(d), a Nominating Shareholder or a Nominee ceases to satisfy the eligibility requirements in this Section 3.16, as
determined by the Board of Directors, a Nominating Shareholder withdraws its nomination or a Nominee becomes unwilling to serve
on the Board of Directors, whether before or after the mailing or other distribution of the definitive proxy statement, then the
nomination shall be disregarded, and the Corporation: (1) shall not be required to include in its proxy statement or on any ballot
or form of proxy the disregarded Nominee or any successor or replacement nominee proposed by the Nominating Shareholder or by any
other Nominating Shareholder and (2) may otherwise communicate to its shareholders, including without limitation by amending or
supplementing its proxy statement or ballot or form of proxy, that a Nominee will not be included as a nominee in the proxy statement
or on any ballot or form of proxy and will not be voted on at the annual meeting.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Eligibility
of Nominating Shareholder</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>An &ldquo;Eligible Holder&rdquo; is a person who has either (1) been a record holder of the shares of common stock used to
satisfy the eligibility requirements in this Section 3.16(c) continuously for the three-year period specified in Subsection (ii)
below or (2) provides to the Secretary of the Corporation, within the time period referred to in Section 3.16(d), evidence of continuous
ownership of such shares for such three-year period from one or more securities intermediaries in a form that the Board of Directors
determines would be deemed acceptable for purposes of a shareholder proposal under Rule 14a-8(b)(2) under the Securities Exchange
Act of 1934 (or any successor rule).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>An Eligible Holder or group of up to 20 Eligible Holders may submit a nomination in accordance with this Section only if the
person or group (in the aggregate) has</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">continuously owned at least the Minimum Number (as
defined below) of shares of the Corporation&rsquo;s common stock throughout the three-year period preceding and including the date
of submission of the Nomination Notice, and continues to own at least the Minimum Number through the date of the annual meeting.
Two or more funds that are (x) under common management and investment control, (y) under common management and funded primarily
by a single employer or (z) a &ldquo;group of investment companies,&rdquo; as such term is defined in Section 12(d)(1)(G)(ii) of
the Investment Company Act of 1940, as amended, shall be treated as one Eligible Holder if such Eligible Holder shall provide together
with the Nomination Notice documentation reasonably satisfactory to the Corporation that demonstrates that the funds meet the criteria
set forth in (x), (y) or (z) hereof. For the avoidance of doubt, in the event of a nomination by a group of Eligible Holders, any
and all requirements and obligations for an individual Eligible Holder that are set forth in this Section 3.16, including the minimum
holding period, shall apply to each member of such group; provided, however, that the Minimum Number shall apply to the ownership
of the group in the aggregate. Should any shareholder cease to satisfy the eligibility requirements in this Section 3.16, as determined
by the Board of Directors, or withdraw from a group of Eligible Holders at any time prior to the annual meeting of shareholders,
the group of Eligible Shareholders shall only be deemed to own the shares held by the remaining members of the group.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>The &ldquo;Minimum Number&rdquo; of shares of the Corporation&rsquo;s common stock means 3% of the number of outstanding shares
of common stock as of the most recent date for which such amount is given in any filing by the Corporation with the SEC prior to
the submission of the Nomination Notice.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iv)</TD><TD>For purposes of this Section 3.16, an Eligible Holder &ldquo;owns&rdquo; only those outstanding shares of the Corporation as
to which the Eligible Holder possesses both:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(A)</TD><TD>the full voting and investment rights pertaining to the shares; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(B)</TD><TD>the full economic interest in (including the opportunity for profit and risk of loss on) such shares;</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">provided that the number of shares calculated in accordance
with clauses (A) and (B) shall not include any shares: (1) purchased or sold by such Eligible Holder or any of its affiliates in
any transaction that has not been settled or closed, (2) sold short by such Eligible Holder, (3) borrowed by such Eligible Holder
or any of its affiliates for any purpose or purchased by such Eligible Holder or any of its affiliates pursuant to an agreement
to resell or subject to any other obligation to resell to another person, or (4) subject to any option, warrant, forward contract,
swap, contract of sale, other derivative or similar agreement entered into by such Eligible Holder or any of its affiliates, whether
any such instrument or agreement is to be settled with shares or with cash based on the notional amount or value of outstanding
shares of the Corporation, in any such case which instrument or agreement has, or is intended to have, the purpose or effect of:
(x) reducing in any manner, to any extent or at any time in the future, such Eligible Holder&rsquo;s or any of its affiliates&rsquo;
full right to vote or direct the voting of any such shares, and/or (y) hedging, offsetting, or altering to any degree, gain or
loss arising from the full economic ownership of such shares by such Eligible Holder or any of its affiliates.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">An Eligible Holder &ldquo;owns&rdquo; shares held in
the name of a nominee or other intermediary so long as the Eligible Holder retains the right to instruct how the shares are voted
with respect to the election of directors and possesses the full economic interest in the shares. An Eligible Holder&rsquo;s ownership
of shares shall be deemed to continue during any period</P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">in which the Eligible Holder has delegated any voting
power by means of a proxy, power of attorney, or other similar instrument or arrangement that is revocable at any time by the Eligible
Holder. An Eligible Holder&rsquo;s ownership of shares shall be deemed to continue during any period in which the Eligible Holder
has loaned such shares, provided that the Eligible Holder has the power to recall such loaned shares on five business days&rsquo;
notice and continues to hold such shares through the date of the annual meeting. The terms &ldquo;owned,&rdquo; &ldquo;owning&rdquo;
and other variations of the word &ldquo;own&rdquo; shall have correlative meanings. Whether outstanding shares of the Corporation
are &ldquo;owned&rdquo; for these purposes shall be determined by the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(v)</TD><TD>No Eligible Holder shall be permitted to be in more than one group constituting a Nominating Shareholder, and if any Eligible
Holder appears as a member of more than one group, it shall be deemed to be a member of the group that has the largest ownership
position as reflected in the Nomination Notice.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nomination
Notice</U>. To nominate a Nominee, the Nominating Shareholder must, no earlier than 150 calendar days and no later than 120 calendar
days before the anniversary of the date that the Corporation mailed its proxy statement for the prior year&rsquo;s annual meeting
of shareholders, submit to the Secretary of the Corporation at the principal executive office of the Corporation all of the following
information and documents (collectively, the &ldquo;Nomination Notice&rdquo;); provided, however, that if (and only if) the annual
meeting is not scheduled to be held within a period that commences 30 days before the first anniversary date of the preceding year&rsquo;s
annual meeting and ends 30 days after the first anniversary date of the preceding year&rsquo;s annual meeting (an annual meeting
date outside such period being referred to herein as an &ldquo;Other Meeting Date&rdquo;), the Nomination Notice shall be given
in the manner provided herein by the later of the close of business on the date that is 180 days prior to such Other Meeting Date
or the tenth day following the date such Other Meeting Date is first publicly announced or disclosed:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>A Schedule 14N (or any successor form) relating to each Nominee, completed and filed with the SEC by the Nominating Shareholder
as applicable, in accordance with SEC rules;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>A written notice, in a form deemed satisfactory by the Board of Directors, of the nomination of each Nominee that includes
the following additional information, agreements, representations and warranties by the Nominating Shareholder (including each
group member):</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(A)</TD><TD>the information required with respect to the nomination of directors pursuant to Section 3.6 of these Bylaws;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(B)</TD><TD>the details of any relationship that existed within the past three years and that would have been described pursuant to Item
6(e) of Schedule 14N (or any successor item) if it existed on the date of submission of the Schedule 14N;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(C)</TD><TD>a representation and warranty that the Nominating Shareholder acquired the securities of the Corporation in the ordinary course
of business and did not acquire, and is not holding, securities of the Corporation for the purpose or with the effect of influencing
or changing control of the Corporation;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(D)</TD><TD>a representation and warranty that each Nominee&rsquo;s candidacy or, if elected, Board membership would not violate applicable
state or federal law or the rules of any stock exchange on which the Corporation&rsquo;s securities are traded;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(E)</TD><TD>a representation and warranty that each Nominee:</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 96pt"></TD><TD STYLE="width: 25pt">(1)</TD><TD>does not have any direct or indirect relationship with the Corporation other than those that have been deemed categorically
immaterial under the Corporation&rsquo;s Categorical Standards as most recently published on its website and otherwise qualifies
as independent under the rules of the primary stock exchange on which the Corporation&rsquo;s shares of common stock are traded;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 96pt"></TD><TD STYLE="width: 25pt">(2)</TD><TD>meets the audit committee and compensation committee independence requirements under the rules of the primary stock exchange
on which the Corporation&rsquo;s shares of common stock are traded;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 96pt"></TD><TD STYLE="width: 25pt">(3)</TD><TD>qualifies as independent under the Federal Reserve regulations implementing Section 165(h) of the Dodd Frank Act (12 CFR Sec.
252.22(d));</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 96pt"></TD><TD STYLE="width: 25pt">(4)</TD><TD>is a &ldquo;non-employee director&rdquo; for the purposes of Rule 16b-3 under the Securities Exchange Act of 1934 (or any successor
rule); and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 96pt"></TD><TD STYLE="width: 25pt">(5)</TD><TD>is not and has not been subject to any event specified in Rule 506(d)(1) of Regulation D (or any successor rule) under the
Securities Act of 1933 or Item 401(f) of Regulation S-K (or any successor rule) under the Securities Exchange Act of 1934, without
reference to whether the event is material to an evaluation of the ability or integrity of such Nominee;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(F)</TD><TD>a representation and warranty that the Nominating Shareholder satisfies the eligibility requirements set forth in Section 3.16(c)
and has provided evidence of ownership to the extent required by Section 3.16(c)(i);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(G)</TD><TD>a representation and warranty that the Nominating Shareholder intends to continue to satisfy the eligibility requirements described
in Section 3.16(c) through the date of the annual meeting and a statement regarding the Nominating Shareholder&rsquo;s intent with
respect to continued ownership of the Minimum Number of shares for at least one year following the annual meeting;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(H)</TD><TD>details of any position of a Nominee as an officer or director of any competitor (that is, any entity that produces products
or provides services that compete with or are alternatives to the products produced or services provided by the Corporation or
its affiliates) of the Corporation, within the three years preceding the submission of the Nomination Notice;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(I)</TD><TD>a representation and warranty that the Nominating Shareholder will not engage in a &ldquo;solicitation&rdquo; within the meaning
of Rule 14a-1(l) under the Securities Exchange Act of 1934 (without reference to the exception in Section 14a-1(l)(2)(iv)) (or
any successor rules) with respect to the annual meeting, other than with respect to a Nominee or any nominee of the Board;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(J)</TD><TD>a representation and warranty that the Nominating Shareholder will not use any proxy card other than the Corporation&rsquo;s
proxy card in soliciting shareholders in connection with the election of a Nominee at the annual meeting;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(K)</TD><TD>if desired, a Supporting Statement; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(L)</TD><TD>in the case of a nomination by a group, the designation by all group members of one group member that is authorized to act
on behalf of all group members with respect to matters relating to the nomination, including withdrawal of the nomination;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>An executed agreement, in a form deemed satisfactory by the Board of Directors, pursuant to which the Nominating Shareholder
(including each group member) agrees:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(A)</TD><TD>to comply with all applicable laws, rules and regulations in connection with the nomination, solicitation and election;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(B)</TD><TD>to file any written solicitation with the Corporation&rsquo;s shareholders relating to one or more of the Corporation&rsquo;s
directors or director nominees or any Nominee with the Securities and Exchange Commission, regardless of whether any such filing
is required under rule or regulation or whether any exemption from filing is available for such materials under any rule or regulation;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(C)</TD><TD>to assume all liability stemming from an action, suit or proceeding concerning any actual or alleged legal or regulatory violation
arising out of any communication by the Nominating Shareholder or any of its Nominees with the Corporation, its shareholders or
any other person in connection with the nomination or election of directors, including, without limitation, the Nomination Notice;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(D)</TD><TD>to indemnify and hold harmless (jointly with all other group members, in the case of a group member) the Corporation and each
of its directors, officers and employees individually against any liability, loss, damages, expenses or other costs (including
attorneys&rsquo; fees) incurred in connection with any threatened or pending action, suit or proceeding, whether legal, administrative
or investigative, against the Corporation or any of its directors, officers or employees arising out of or relating to a failure
or alleged failure of the Nominating Shareholder or any of its Nominees to comply with, or any breach or alleged breach of, its
or their obligations, agreements or representations under this Section 3.16;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(E)</TD><TD>in the event that any information included in the Nomination Notice, or any other communication by the Nominating Shareholder
(including with respect to any group member), with the Corporation, its shareholders or any other person in connection with the
nomination or election ceases to be true and accurate in all material respects (or omits a material fact necessary to make the
statements made not misleading), or that the Nominating Shareholder (including any group member) has failed to continue to satisfy
the eligibility requirements described in Section 3.16(c), to promptly (and in any event within 48 hours of discovering such misstatement,
omission or failure) notify the Corporation and any other recipient of such communication of (A) the misstatement or omission in
such previously provided information and of the information that is required to correct the misstatement or omission or (B) such
failure; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iv)</TD><TD>An executed agreement, in a form deemed satisfactory by the Board of Directors, by each Nominee:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(A)</TD><TD>to provide to the Corporation such other information and certifications, including completion of the Corporation&rsquo;s director
questionnaires, as it may reasonably request;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(B)</TD><TD>at the reasonable request of the Nominating&nbsp;&amp; Corporate Governance Committee, to meet with the Nominating&nbsp;&amp;
Corporate Governance Committee to discuss matters relating to the nomination of such Nominee to the Board of Directors, including
the information provided by such Nominee to the Corporation in connection with his or her nomination and such Nominee&rsquo;s eligibility
to serve as a member of the Board of Directors;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(C)</TD><TD>that such Nominee has read and agrees, if elected, to serve as a member of the Board of Directors, to adhere to the Corporation&rsquo;s
Corporate Governance Guidelines, Code of Business Conduct and Ethics, Procedures for the Approval, Monitoring and Ratification
of Related Party Transactions, and any other Corporation policies and guidelines applicable to directors; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(D)</TD><TD>that such Nominee is not and will not become a party to (i) any compensatory, payment or other financial agreement, arrangement
or understanding with any person or entity in connection with his or her nomination, service or action as a director of the Corporation
that has not been disclosed to the Corporation, (ii) any agreement, arrangement or understanding with any person or entity as to
how such Nominee would vote or act on any issue or question as a director (a &ldquo;Voting Commitment&rdquo;) that has not been
disclosed to the Corporation or (iii) any Voting Commitment that could limit or interfere with such Nominee&rsquo;s ability to
comply, if elected as a director of the Corporation, with its fiduciary duties under applicable law.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The information and documents required by this Section 3.16(d)
to be provided by the Nominating Shareholder shall be: (i) provided with respect to and executed by each group member, in the case
of information applicable to group members; and (ii) provided with respect to the persons specified in Instruction 1 to Items 6(c)
and (d) of Schedule 14N (or any successor item) in the case of a Nominating Shareholder or group member that is an entity. The
Nomination Notice shall be deemed submitted on the date on which all the information and documents referred to in this Section
(d) (other than such information and documents contemplated to be provided after the date the Nomination Notice is provided) have
been delivered to or, if sent by mail, received by the Secretary of the Corporation.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(e)</TD><TD><U>Exceptions</U>.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>Notwithstanding anything to the contrary contained in this Section 3.16, the Corporation may omit from its proxy statement
any Nominee and any information concerning such Nominee (including a Nominating Shareholder&rsquo;s Supporting Statement) and no
vote on such Nominee will occur (notwithstanding that proxies in respect of such vote may have been received by the Corporation),
and the Nominating Shareholder may not, after the last day on which a Nomination Notice would be timely, cure in any way any defect
preventing the nomination of such Nominee, if:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(A)</TD><TD>the Corporation receives a notice pursuant to Section 3.6 of these Bylaws that a shareholder intends to nominate a candidate
for director at the annual meeting, whether or not such notice is subsequently withdrawn or made the subject of a settlement with
the Corporation;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(B)</TD><TD>the Nominating Shareholder or the designated lead group member, as applicable, or any qualified representative thereof, does
not appear at the meeting of shareholders to present the nomination submitted pursuant to this Section 3.16, the Nominating Shareholder
withdraws its nomination or the Chairman of the annual meeting declares that such nomination was not made in accordance with the
procedures prescribed by this Section 3.16 and shall therefore be disregarded;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(C)</TD><TD>the Board of Directors determines that such Nominee&rsquo;s nomination or election to the Board of Directors would result in
the Corporation violating or failing to be in compliance with the Corporation&rsquo;s Bylaws or Charter (as amended and/or restated
from time to time) or any applicable law, rule or regulation to which the Corporation</TD></TR></TABLE>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 96pt">is subject, including any rules or regulations of
the primary stock exchange on which the Corporation&rsquo;s common stock is traded;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 94.5pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(D)</TD><TD>such Nominee was nominated for election to the Board of Directors pursuant to this Section 3.16 at one of the Corporation&rsquo;s
two preceding annual meetings of shareholders and either withdrew or became ineligible or received a vote of less than 25% of the
votes cast;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(E)</TD><TD>such Nominee has been, within the past three years, an officer or director of a competitor, as defined for purposes of Section
8 of the Clayton Antitrust Act of 1914, as amended; or a management official of an unaffiliated depository institution or depository
institution holding company, as defined for purposes of the Depository Institutions Management Interlocks Act, as amended;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(F)</TD><TD>the Corporation is notified, or the Board of Directors determines, that the Nominating Shareholder or the Nominee has failed
to continue to satisfy the eligibility requirements described in Section 3.16(c), any of the representations and warranties made
in the Nomination Notice ceases to be true and accurate in all material respects (or omits a material fact necessary to make the
statements made not misleading), such Nominee becomes unwilling or unable to serve on the Board of Directors or any material violation
or breach occurs of the obligations, agreements, representations or warranties of the Nominating Shareholder or such Nominee under
this Section 3.16;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>Notwithstanding anything to the contrary contained in this Section 3.16, the Corporation may omit from its proxy statement,
or may supplement or correct, any information, including all or any portion of the Supporting Statement or any other statement
in support of a Nominee included in the Nomination Notice, if the Board of Directors determines that:</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(A)</TD><TD>such information is not true in all material respects or omits a material statement necessary to make the statements made not
misleading;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(B)</TD><TD>such information directly or indirectly impugns the character, integrity or personal reputation of, or directly or indirectly
makes charges concerning improper, illegal or immoral conduct or associations, without factual foundation, with respect to, any
person; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 66pt"></TD><TD STYLE="width: 30pt">(C)</TD><TD>the inclusion of such information in the proxy statement would otherwise violate the SEC proxy rules or any other applicable
law, rule or regulation.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt">The Corporation may solicit against, and include in
the proxy statement its own statement relating to, any Nominee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 72pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>3.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>CEO
and Chairman Position and Succession; Board Composition; Headquarters.</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definitions</U>.
In addition to any terms defined below, the following definitions shall apply to this Section 3.17:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD STYLE="padding-right: 7.2pt">&ldquo;Closing Date&rdquo; shall have the meaning set forth in the Merger Agreement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD STYLE="padding-right: 7.2pt">&ldquo;Continuing First Horizon Directors&rdquo; shall mean Mr. D. Bryan Jordan, the directors
as of the Effective Time who were directors of the Corporation as of immediately prior to the Effective Time and who were selected
to be directors of the Corporation and First Horizon Bank by the Corporation as of the Effective Time, pursuant to Section 6.12(a)</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.2pt 0pt 66pt">of the Merger Agreement, and any additional directors
of the Corporation or First Horizon Bank (as applicable) who were nominated and subsequently appointed or elected to fill a vacancy
created by the cessation of service of a Continuing First Horizon Director pursuant to this Section 3.17.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.2pt 0pt 72pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>&ldquo;Continuing IBKC Directors&rdquo; shall mean Mr. Daryl G. Byrd, the directors as of the Effective Time who were directors
of IBKC as of immediately prior to the Effective Time and who were selected to be directors of the Corporation and First Horizon
Bank by IBKC as of the Effective Time, pursuant to Section 6.12(a) of the Merger Agreement, and any additional directors of the
Corporation or First Horizon Bank (as applicable) who were nominated and subsequently appointed or elected to fill a vacancy created
by the cessation of service of a Continuing IBKC Director pursuant to this Section 3.17.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iv)</TD><TD>&ldquo;Effective Time&rdquo; shall have the meaning set forth in the Merger Agreement.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(v)</TD><TD>&ldquo;IBKC&rdquo; shall mean IBERIABANK Corporation, a Louisiana corporation.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(vi)</TD><TD>&ldquo;Merger Agreement&rdquo; shall mean the Agreement and Plan of Merger, dated as of November
3, 2019, by and between the Corporation and IBKC, as the same may be amended from time to time.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(b) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chairman
and CEO</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>Effective as of the Effective Time, Mr. Jordan shall continue to serve as President and Chief
Executive Officer of the Corporation and as Chief Executive Officer of the Corporation&rsquo;s subsidiary, First Horizon Bank (&ldquo;First
Horizon Bank&rdquo;) and Mr. Byrd shall become the Executive Chairman of the Boards of Directors of the Corporation and of First
Horizon Bank.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>Upon the earlier of (i) the death, resignation, removal, disqualification or other cessation of service by Mr. Byrd as Chairman
of the Boards of Directors of the Corporation and of First Horizon Bank, and (ii) the date that is two (2) years after the Closing
Date, Mr. Jordan shall succeed Mr. Byrd as the Chairman of the Board of Directors of the Corporation and of First Horizon Bank
(the date of such succession, the &ldquo;Chairman Succession Date&rdquo;). From the Chairman Succession Date through the earlier
of (i) the death, resignation, removal, disqualification or other cessation of service by Mr. Byrd, and (ii) the date that is five
(5) years after the Closing Date, Mr. Byrd shall serve as a senior advisor to the Corporation and to First Horizon Bank. The Corporation
may enter into or amend appropriate agreements or arrangements with Mr. Jordan and Mr. Byrd in connection with the subject matter
of this Section 3.17(b) (any such agreement or arrangement, as may be amended, supplemented or modified from time to time and including
any such agreement or arrangement entered into on or prior to July 1, 2020 in contemplation of the Corporation&rsquo;s merger with
IBERIABANK Corporation on that date, an &ldquo;Employment Agreement&rdquo;).</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>Prior to the date that is the third (3rd) anniversary of the Closing Date (such date, the &ldquo;Expiration
Date&rdquo;), (i) the removal of Mr. Byrd from, or the failure to appoint or re-elect Mr. Byrd to, any of the positions specifically
provided for in this Section 3.17 and in any Employment Agreement with Mr. Byrd at the times specifically provided for in this
Section 3.17 or in any Employment Agreement with Mr. Byrd, or (ii) the removal of Mr. Jordan from, or the failure to appoint or
re-elect Mr. Jordan to, any of the positions specifically provided for in this Section 3.17 and in any Employment Agreement with
Mr. Jordan at the times specifically provided for in this Section 3.17 or in any</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">                                                                                                                                                                                                                                                                                                                                                                                                                              <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>Employment Agreement with Mr. Jordan, shall each
require the affirmative vote of at least 75% of the entire Board of Directors.</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>(c)</TD><TD><U>Composition of the Board of Directors</U>.</TD></TR>
                                                                                                                                          <TR STYLE="vertical-align: top">
<TD>&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(i)</TD><TD>Prior to the Expiration Date, the number of directors that will comprise the entire Board of Directors
of the Corporation and the entire Board of Directors of First Horizon Bank shall each be seventeen (17), initially consisting of
(i) the chief executive officer of First Horizon as of immediately prior to the Effective Time, (ii) the chief executive officer
of IBKC as of immediately prior to the Effective Time, (iii) eight (8) other Continuing First Horizon Directors, and (iv) seven
(7) other Continuing IBKC Directors. It is the objective of the Corporation that, over time and subject to Section 3.17(i), the
size of the Boards of Directors of the Corporation and of First Horizon Bank will be reduced. Prior to the date that is the second
(2<SUP>nd</SUP>) anniversary of the Effective Time, (i) any determination not to nominate Mr. Byrd as a director of the Corporation
or First Horizon Bank as contemplated by any Employment Agreement with Mr. Byrd, or (ii) any determination not to nominate Mr.
Jordan as a director of the Corporation or First Horizon Bank as contemplated by any Employment Agreement with Mr. Jordan, shall
each require the affirmative vote of at least 75% of the entire Board of Directors.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(ii)</TD><TD>Prior to the Expiration Date, (x) any vacancy on the Boards of Directors of the Corporation or
of First Horizon Bank resulting from the cessation of service by any Continuing IBKC Director for any reason shall be filled by
the Board of Directors with a nominee selected by majority vote of the Continuing IBKC Directors then in office, in which case
the Continuing First Horizon Directors shall vote to approve the appointment or nomination (as applicable) of such individual;
provided, that any such appointment or nomination shall be made in accordance with applicable law and the rules of the New York
Stock Exchange (or other national securities exchange on which the Corporation&rsquo;s securities are listed), and (y) the Continuing
IBKC Directors shall have the exclusive authority to nominate (by majority vote), on behalf of the Board of Directors, directors
for election at each annual meeting, or at any special meeting at which directors are to be elected, to fill each seat previously
held by a Continuing IBKC Director.</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(iii)</TD><TD>Prior to the Expiration Date, (x) any vacancy on the Boards of Directors of the Corporation or
of First Horizon Bank resulting from the cessation of service by any Continuing First Horizon Director for any reason shall be
filled by the Board of Directors with a nominee selected by majority vote of the Continuing First Horizon Directors then in office,
in which case the Continuing IBKC Directors shall vote to approve the appointment or nomination (as applicable) of such individual;
provided, that any such appointment or nomination shall be made in accordance with applicable law and the rules of the New York
Stock Exchange (or other national securities exchange on which the Corporation&rsquo;s securities are listed), and (y) the Continuing
First Horizon Directors shall have the exclusive authority to nominate (by majority vote), on behalf of the Board of Directors,
directors for election at each annual meeting, or at any special meeting at which directors are to be elected, to fill each seat
previously held by a Continuing First Horizon Director.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lead
Director</U>. Until the Chairman Succession Date, the lead independent director (the &ldquo;Lead Director&rdquo;) of the Board
of Directors of the Corporation and of First Horizon Bank shall be an independent director chosen from among the Continuing First
Horizon Directors by majority vote of the Continuing First Horizon Directors. At the Chairman Succession Date and continuing until
the Expiration Date, the Lead Director shall be an independent director chosen from among the Continuing IBKC</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Directors by majority vote of the Continuing IBKC Directors,
who shall, after the Expiration Date, serve in that capacity until replaced by a majority vote of the entire Board of Directors.</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 14.4pt 0pt 0; text-indent: 36pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Composition
of Committees</U>. Prior to the Expiration Date, (i) each committee of the Boards of Directors of the Corporation and of First
Horizon Bank shall, to the fullest extent practicable, have at least five (5) members, (ii) each committee of the Boards of Directors
of the Corporation and of First Horizon Bank shall, to the extent reasonably practicable, have a number of Continuing IBKC Directors
that is one (1) less than the number of Continuing First Horizon Directors serving on each such committee, (iii) the chair of the
Compensation Committee shall be a director selected from among the Continuing IBKC Directors by majority vote of the Continuing
IBKC Directors, and (iv) the chair of the Executive and Risk Committee shall be (A) until the Chairman Succession Date, a director
selected from among the Continuing IBKC Directors by a majority vote of the Continuing IBKC Directors, and (B) thereafter, a director
selected from among the Continuing First Horizon Directors by a majority vote of the Continuing First Horizon Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 14.4pt 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 25.2pt 0pt 0; text-indent: 36pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regional
Banking Headquarters</U>. Until the Expiration Date, the headquarters for the Corporation&rsquo;s and First Horizon Bank&rsquo;s
regional banking business shall be located in New Orleans, Louisiana.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 25.2pt 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 3.6pt 0pt 0; text-indent: 36pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Supremacy</U>.
In the event of any inconsistency between any provision of this Section 3.17 and any other provision of these Bylaws or the Corporation&rsquo;s
other constituent documents, the provisions of this Section 3.17 shall control to the fullest extent permitted by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 3.6pt 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.2pt 0pt 0; text-indent: 36pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action
by First Horizon Bank</U>. The Corporation (as the sole voting shareholder of First Horizon Bank) shall cause First Horizon Bank
to comply with the provisions of this Section 3.17 that are applicable to it.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.2pt 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 10.8pt 0pt 0; text-indent: 36pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendments</U>.
Prior to the Expiration Date, the provisions of this Section 3.17 may be modified, amended or repealed, and any Bylaw provision
inconsistent with such provisions may be adopted (and any modification, amendment, repeal or inconsistent Bylaw provision and other
related resolutions may be proposed or recommended by the Board for adoption by the shareholders of the Corporation), only by the
affirmative vote of at least 75% of the entire Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 10.8pt 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE FOUR<BR>
<U>OFFICERS</U></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-indent: 0.5in"><B>4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Designated
Officers</U>. </B>The officers of the Corporation shall consist of such officers as are required by the Tennessee Business Corporation
Act and such other officers, including officers identified in Sections 4.8 through 4.22 below, as the Board of Directors determines
from time to time, along with such other officers and assistant officers as may be from time to time determined and appointed in
accordance with the provisions of this Article Four. The title of any officer may include any additional descriptive designation
determined to be appropriate. Any person may hold two or more offices, except that the President shall not also be the Secretary
or an Assistant Secretary. The officers need not be directors, and officers need not be shareholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appointment
of Officers</U>. </B>Except as otherwise provided in this Section 4.2, the officers of the Corporation shall be appointed by the
Board of Directors at the annual organizational meeting of the Board of Directors following the annual meeting of shareholders.
The Board of Directors hereby delegates to the Compensation Committee of the Board of Directors: (i) the power to create corporate
offices; (ii) the power to define the authority and responsibility of such offices, except to the extent such authority or responsibility
would not be consistent with the law or the Charter; and (iii) the power to</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">appoint persons to any office of the Corporation except the
offices of the Executive Chairman of the Board; Chief Executive Officer; President; Chief Operating Officer; Secretary; and any
office the incumbent in which is designated by the Board as an Executive Officer (as defined in Section 4.5 hereof). In addition,
the Board of Directors hereby delegates (a) to the Chief Human Resources Officer the authority to appoint persons to any office
of the Corporation of the level of Senior Vice President and below at any time and (b) to the Chief Executive Officer the authority
to appoint persons to any office of the Corporation of the level of Executive Vice President and below at any time; provided, however,
that the Board of Directors may not delegate such authority with respect to those offices to which the Compensation Committee of
the Board can not appoint persons pursuant to clause (iii) above. Notwithstanding anything to the contrary in this Article Four
of the Bylaws, the Board of Directors retains the authority at any time to create corporate offices; to define the authority and
responsibility of such offices, except to the extent such authority or responsibility would not be consistent with the law or the
Charter; to appoint all officers and such other officers and agents as it shall deem necessary, who shall exercise such powers
and perform such duties as shall be determined from time to time by the Board of Directors; and, except with respect to the Secretary
and to any office the incumbent in which is designated by the Board as an Executive Officer (as defined in Section 4.5 hereof),
to delegate all such authority to a committee of the Board of Directors and to delegate only the authority to appoint such officers
or agents to one or more officers of the Corporation.</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-indent: 0.5in"><B>4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Term</U>.
</B>The officers of the Corporation shall be appointed for a term of one (1) year and until their successors are appointed and
qualified, subject to the right of removal specified in Section 4.4 of these Bylaws. The designation of a specified term does not
grant to any officer any contract rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vacancies,
Resignations and Removal</U>. </B>If the office of any officer or officers becomes vacant for any reason, the vacancy may be filled
by the Board of Directors or, if such officer was, or could have been, appointed by a committee or another officer, by such committee
or such other officer. Any officer may resign at any time by delivering a written notice to the Chairman of the Board, the Chief
Executive Officer, the President, the Chief Operating Officer, the Secretary, or that Executive Officer who is the Chief Human
Resources Officer (as defined in Section 4.15) or to whom that officer reports, or the designee of any of them, which shall be
effective upon delivery unless it specifies a later date acceptable to the Corporation. Any Executive Officer (as defined in Section
4.5 below) and the Secretary shall be subject to removal at any time with or without cause only by the affirmative vote of a majority
of the Board of Directors. Any other officer shall be subject to removal at any time with or without cause by the affirmative vote
of a majority of the Board of Directors, and in the event the officer was, or could have been, appointed by a committee or another
officer, then by such other officer or by the affirmative vote of a majority of either such committee or the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Executive
Officers</U>. </B>&ldquo;Executive Officers&rdquo; shall be those officers of the Corporation expressly designated from time to
time in a resolution or resolutions of the Board of Directors as being &lsquo;executive officers&rsquo; for purposes of these Bylaws
or for purposes of any rule or regulation of the Securities and Exchange Commission under the Securities Exchange Act of 1934,
as amended. The fact that an officer&rsquo;s title contains the word &ldquo;executive&rdquo; and appears in a Board resolution
shall not, by itself, constitute an executive officer designation as provided in this Section.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compensation</U>.
</B>The Board of Directors, or a committee thereof, shall fix the compensation of Executive Officers of the Corporation. The compensation
of officers who are not Executive Officers shall be fixed by the Board of Directors, by a committee thereof, or by management under
such policies and procedures as shall be established by the Board of Directors or a committee thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delegation
of Officer Duties</U>. </B>In case of the absence of any officer of the Corporation, or for any reason that the Board of Directors
(or, in addition, in the case of any officer appointed by a committee or another officer, such committee or such officer or any
other committee or any other officer which could appoint such officer pursuant to Section 4.2 of these Bylaws) may deem sufficient,
the Board of Directors (or committee or other officer, as applicable) may delegate, for the time being, the powers or duties, or
any of them, of such officer to any other officer, or to any director.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Executive
Chairman of the Board</U>. </B>The Executive Chairman of the Board, in addition to the powers and duties provided in Section 3.14,
shall have such powers and perform such duties as may be provided for in Section 3.17 and otherwise herein, as are normally incident
to the office, and as may be assigned by the Board of Directors. During any time when there is an incumbent in the office of Executive
Chairman of the Board, all references in these Bylaws to &ldquo;Chairman of the Board&rdquo; shall refer to the Executive Chairman
of the Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Executive Officer</U>. </B>The Chief Executive Officer, in the absence of the Chairman of the Board, shall preside at all meetings
of the shareholders and of the Board of Directors (except, with respect to meetings of the Board of Directors, as may be otherwise
determined by the Board of Directors). The Chief Executive Officer shall be responsible for carrying out the orders of and the
resolutions and policies adopted by the Board of Directors and shall have general management of the business of the Corporation
and shall exercise general supervision over all of its affairs. In addition, the Chief Executive Officer shall have such powers
and perform such duties as may be provided for herein and as are normally incident to the office and as may be prescribed by the
Board of Directors. If and at such time as the Board of Directors so determines, the Chief Executive Officer may also serve as
the President of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>President</U>.
</B>The President, in the absence of the Chairman of the Board and the Chief Executive Officer, shall preside at all meetings of
the shareholders and of the Board of Directors (except, with respect to meetings of the Board of Directors, as may be otherwise
determined by the Board of Directors). The President shall be the Chief Executive Officer of the Corporation unless the Board of
Directors has appointed another person to such office, in which case the President shall be the Chief Operating Officer of the
Corporation. The President shall have such powers and perform such duties as may be provided for herein and as are normally incident
to the office and as may be prescribed by the Board of Directors or the Chief Executive Officer. In addition, unless the Board
of Directors has appointed another person to the office of Chief Operating Officer, the President shall also have such powers and
perform such duties as may be provided for herein with respect to the Chief Operating Officer and as are normally incident to the
office of Chief Operating Officer and as may be prescribed for the Chief Operating Officer by the Board of Directors or the Chief
Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Operating Officer</U>. </B>The Chief Operating Officer, if other than the President, shall have charge of the day-to-day operations
of the Corporation and shall have such powers and perform such duties as may be provided for herein and as are normally incident
to the office and as may be prescribed by the Board of Directors, the Chief Executive Officer, or the President.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Financial Officer</U>. </B>The Chief Financial Officer shall be the principal financial officer of the Corporation. The Chief Financial
Officer is authorized to sign any document filed with the Securities and Exchange Commission or any state securities commission
on behalf of the Corporation and shall perform such duties and exercise such powers as are normally incident to the office and
as may be prescribed by the Board of Directors or the Chief Executive Officer.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Credit Officer</U>. </B>The Chief Credit Officer shall perform such duties and exercise such powers as are normally incident to
the office and as may be prescribed by the Board of Directors or the Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General
Counsel</U>. </B>The General Counsel is authorized to sign any document filed with the Securities and Exchange Commission or any
state securities commission on behalf of the Corporation and shall perform such duties and exercise such powers as are normally
incident to the office and as may be prescribed by the Board of Directors or the Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Risk Officer</U>. </B>The officer in charge of overall risk management, whatever his or her title (&ldquo;Chief Risk Officer&rdquo;),
shall perform such duties and exercise such powers as are normally incident to the office and as may be prescribed by the Board
of Directors or the Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Human Resources Officer</U>. </B>The officer in charge of human resources, whatever his or her title (&ldquo;Chief Human Resources
Officer&rdquo;), shall perform such duties and exercise such powers as are normally incident to the office and as may be prescribed
by the Board of Directors or the Chief Executive Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Business
Segment Presidents and Business Segment Chief Operating Officers</U>. </B>Each officer of the Corporation who is designated as
or has the functions of a president or a chief operating officer of a substantial business line, division, segment, or group (as
applicable, a &ldquo;Business Segment President&rdquo; or &ldquo;Business Segment Chief Operating Officer&rdquo;) shall perform
such duties and exercise such powers as are normally incident to his or her office and as may be prescribed by the Board of Directors,
the Chief Executive Officer, the President, or the Chief Operating Officer. Two or more persons may share the duties and authorities
of a Business Segment President or Business Segment Chief Operating Officer as determined by the Board of Directors, the Chief
Executive Officer, the President, or the Chief Operating Officer. For this purpose, a business line, division, segment, or group
is substantial if <B>the officer who is designated as or has the functions of</B> its president or chief operating officer is an
Executive Officer or if it is expressly identified as a &ldquo;segment&rdquo; or &ldquo;business segment&rdquo; of the Corporation
for financial accounting purposes.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Senior
Executive Vice Presidents, Executive Vice Presidents, Senior Vice Presidents, and Vice Presidents</U></B>. Each Senior Executive
Vice President, Executive Vice President, Senior Vice President, and Vice President shall perform such duties and exercise such
powers as are normally incident to his or her office and as may be prescribed by the Board of Directors, a committee thereof, the
Chief Executive Officer, the President, the Chief Operating Officer or, with respect to Senior Vice Presidents and Vice Presidents
only, the Chief Human Resources Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Secretary.</U></B>
The Secretary is authorized to sign any document filed with the Securities and Exchange Commission or any state
securities commission on behalf of the Corporation. The Secretary shall attend all sessions of the Board of Directors and of
the shareholders and record all votes and the minutes of all proceedings in books to be kept for that purpose. The Secretary
shall give or cause to be given notice of all meetings of the shareholders and of the Board of Directors, shall authenticate
records of the Corporation, and shall perform such other duties as are incident to the office or as may be prescribed by the
Board of Directors or the Chief Executive Officer. In the absence or disability of the Secretary, the Assistant Secretary or
such other officer or officers as may be authorized by the Board of Directors or Executive and Risk Committee thereof shall
perform all the duties and exercise all of the powers of the Secretary and shall perform such other duties as the Board of
Directors or the Chief Executive Officer shall prescribe. In addition, from time to time officers holding the office of
Limited Assistant Secretary may be appointed with such officer&rsquo;s power limited to the power to attest the signature of
another officer. Such Limited Assistant Secretary will have no other power as an officer.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Treasurer</U>.
</B>The Treasurer shall have the custody of the funds and securities of the Corporation and shall keep full and accurate accounts
of receipts and disbursements in books belonging to the Corporation and shall deposit all monies and other valuable effects in
the name and to the credit of the Corporation in such depositories as may be designated by the Board of Directors. The Treasurer
shall disburse the funds of the Corporation as may be ordered by the Board of Directors, the Chief Executive Officer, the Chief
Financial Officer, the President, or the Chief Operating Officer, taking proper vouchers for such disbursements, and shall render
to the Board of Directors, the Executive Chairman of the Board, the Chief Executive Officer, the Chief Financial Officer, the President,
or the Chief Operating Officer, whenever they may require it, an account of all of his or her transactions as Treasurer and of
the financial condition of the Corporation, and at a regular meeting of the Board of Directors preceding the annual shareholders&rsquo;
meeting, a like report for the preceding year. The Treasurer shall keep or cause to be kept an account of stock registered and
transferred in such manner and subject to such regulations as the Board of Directors may prescribe. The Treasurer shall give the
Corporation a bond, if required by the Board of Directors, in such a sum and in form and with security satisfactory to the Board
of Directors for the faithful performance of the duties of the office and the restoration to the Corporation, in case of his or
her death, resignation or removal from office, of all books, papers, vouchers, money and other property of whatever kind in his
or her possession, belonging to the Corporation. The Treasurer shall perform such other duties as the Board of Directors, the Chief
Executive Officer, the Chief Financial Officer, the President, or the Chief Operating Officer may from time to time prescribe or
require. In the absence or disability of the Treasurer, the Assistant Treasurer shall perform all the duties and exercise all of
the powers of the Treasurer and shall perform such other duties as the Board of Directors, the Chief Executive Officer, the Chief
Financial Officer, the President, or the Chief Operating Officer shall prescribe.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Auditor</U>.
</B>The officer in charge of the internal audit function, whatever his or her title (&ldquo;Auditor&rdquo;), shall perform such
duties and exercise such powers as are normally incident to the office and as may be prescribed by the Board of Directors or the
Audit Committee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.22&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Chief
Accounting Officer</U>. </B>The Chief Accounting Officer shall be the principal accounting officer of the Corporation. The Chief
Accounting Officer is authorized to sign any document filed with the Securities and Exchange Commission or any state securities
commission on behalf of the Corporation and shall assist the management of the Corporation in setting the financial goals and policies
of the Corporation, shall provide financial and statistical information to the shareholders and to the management of the Corporation
and shall perform such other duties and exercise such other powers as may be prescribed by the Board of Directors, the Chief Executive
Officer, the Chief Financial Officer, the President, or the Chief Operating Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.23&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Other
Officers</U>. </B>Officers holding such other offices as may be created pursuant to Sections 4.1 and 4.2 of these Bylaws shall
have such authority and perform such duties and exercise such powers as may be prescribed by the Board of Directors, a committee
thereof, the Chief Executive Officer, the President, the Chief Operating Officer or, with respect to officers of the level of Senior
Vice President and below, the Chief Human Resources Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>4.24&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Officer
Committees and Mixed Committees</U>. </B>The Board of Directors, by resolution adopted by a majority of the entire Board of Directors,
may designate one or more committees consisting of one or more officers. Similarly, the Board of Directors may appoint one or more
directors and one or more officers to serve on the same committee. The Board of Directors may delegate to each such officer committee
or mixed committee all such authority that the Board of Directors deems desirable that is permitted by law. Members of such committees
may take action without a meeting and may participate in</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">meetings to the same extent and in the same manner that directors
may take action and may participate pursuant to Sections 3.12 and 3.13 of these Bylaws.</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"><B>ARTICLE FIVE<BR>
<U>SHARES OF STOCK</U></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-indent: 0.5in"><B>5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certificates</U>.
</B>The certificates representing shares of stock of the Corporation shall be numbered, shall be entered in the books or records
of the Corporation as they are issued, and shall be signed by the Chief Executive Officer and any one of the following: the President,
the Treasurer, or the Secretary. Either or both of the signatures upon a certificate may be facsimiles if the certificate is countersigned
by a transfer agent, or registered by a registrar other than an officer or employee of the Corporation. Each certificate shall
include the following upon the face thereof:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(a)</TD><TD>A statement that the Corporation is organized under the laws of the State of Tennessee;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(b)</TD><TD>The name of the Corporation;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(c)</TD><TD>The name of the person to whom issued;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(d)</TD><TD>The number and class of shares, and the designation of the series, if any, which such certificate represents;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(e)</TD><TD>The par value of each share represented by such certificate; or a statement that the shares are without par value; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(f)</TD><TD>Such other provisions as the Board of Directors may from time to time require.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shares
Not Represented by Certificates</U>. </B>Notwithstanding the provisions of Section 5.1 of these Bylaws, shares of any class of
stock of the Corporation may be issued without certificates. The Corporation shall send to each shareholder to whom uncertificated
shares have been issued or transferred at the appropriate time any written statement providing information about such shares, which
is required by law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Stock
Transfers and Record Dates</U>. </B>Transfers of shares of stock shall be made upon the books of the Corporation by the record
owner or by an attorney, lawfully constituted in writing, and upon surrender of any certificate therefor. The Board of Directors
may appoint suitable agents in Memphis, Tennessee, and elsewhere to facilitate transfers by shareholders under such regulations
as the Board of Directors may from time to time prescribe. The transfer books may be closed by the Board of Directors for such
period, not to exceed 40 days, as may be deemed advisable for dividend or other purposes, or in lieu of closing the books, the
Board of Directors may fix in advance a date as the record date for determining shareholders entitled notice of and to vote at
a meeting of shareholders, or entitled to payment of any dividend or other distribution. The record date for voting or taking other
action as shareholders shall not be less than 10 days nor more than 70 days prior to the meeting date or action requiring such
determination of shareholders. The record date for dividends and other distributions shall not be less than 10 days prior to the
payment date of the dividend or other distribution. All certificates surrendered to the Corporation for transfer shall be canceled,
and no new certificate shall be issued until the former certificate for like number of shares shall have been surrendered and canceled,
except that in case of a lost or destroyed certificate a new one may be issued on the terms prescribed by Section 5.5 of these
Bylaws.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Record
Owners</U>. </B>The Corporation shall be entitled to treat the holder of record of any share or shares of stock as the holder in
fact thereof; and, accordingly, shall not be bound to recognize any equitable or other claim to or interest in such share on the
part of any other person, whether or not it shall have express or other notice thereof, except as required by applicable law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lost,
Destroyed, Stolen or Mutilated Certificates</U>. </B>The agent for transfer of the Corporation&rsquo;s stock may issue new share
certificates in place of certificates represented to have been lost, destroyed, stolen or mutilated upon receiving an indemnity
satisfactory to the agent and the Secretary or Treasurer of the Corporation, without further action of the Board of Directors.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE SIX<BR>
<U>INDEMNIFICATION</U></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-indent: 0.5in"><B>6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
of Officers When Wholly Successful</U>. </B>If any current or former officer of the Corporation (including for purposes of this
Article an individual who, while an officer, is or was serving another corporation or other enterprise (including an employee benefit
plan and a political action committee, which serves the interests of the employees of the Corporation or any of its subsidiaries)
in any capacity at the request of the Corporation and unless the context requires otherwise the estate or personal representative
of such officer) is wholly successful, on the merits or otherwise, in the defense of any threatened, pending or completed action,
suit, or proceeding, whether civil, criminal, administrative, or investigative and whether formal or informal (&ldquo;Proceeding&rdquo;),
to which the officer was a party because he or she is or was an officer of the Corporation, the officer shall be indemnified by
the Corporation against all reasonable expenses, including attorney fees, incurred in connection with such Proceeding, or any appeal
therein. As used in this Article, &ldquo;Proceeding&rdquo; shall include, but is not limited to, any threatened, pending or contemplated
action, suit or proceeding, whether civil, criminal, administrative, or investigative, and whether formal or informal, arising
out of or alleging any acts, errors, or omissions by the officer in the rendering or failure to render professional services, including
legal and accounting services, for or at the request of the Corporation or any of its subsidiaries; provided such professional
services are within the reasonably anticipated scope of the officer&rsquo;s duties. Additionally, as used in this Article, &ldquo;Proceeding&rdquo;
shall include, but is not limited to, any threatened, pending or contemplated action, suit or proceeding arising out of or alleging
negligence on the part of the Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
of Officers When Not Wholly Successful</U>. </B>If any current or former officer of the Corporation has not been wholly successful
on the merits or otherwise, in the defense of a Proceeding, to which the officer was or was threatened to be made a party because
he or she was or is an officer, the officer shall be indemnified by the Corporation against any judgment, settlement, penalty,
fine (including any excise tax assessed with respect to an employee benefit plan), or other liability and any reasonable expenses,
including attorney fees, incurred as a result of such Proceeding, or any appeal therein, if authorized in the specific case after
a determination has been made that indemnification is permissible because the following standard of conduct has been met:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(a)</TD><TD>The officer conducted himself or herself in good faith, and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(b)</TD><TD>The officer reasonably believed: (i) in the case of conduct in the officer&rsquo;s official capacity as an officer of the Corporation
that the officer&rsquo;s conduct was in the Corporation&rsquo;s best interest; and (ii) in all other cases that the officer&rsquo;s
conduct was at least not opposed to its best interests; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(c)</TD><TD>In the case of any criminal proceeding, the officer had no reasonable cause to believe his or her conduct was unlawful;</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">provided, however, the Corporation may not indemnify an officer
in connection with a Proceeding by or in the right of the Corporation in which the officer was adjudged liable to the Corporation
or in connection with any other proceeding charging improper benefit to the officer, whether or not involving action in his or
her official capacity, in which the officer was adjudged liable on the basis that personal benefit was improperly received by the
officer.</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-indent: 0.5in"><B>6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures
for Indemnification Determinations.</U></B> The determination required by Section 6.2 herein shall be made as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(a)</TD><TD>By the Board of Directors by a majority vote of a quorum consisting of directors not at the time parties to the Proceeding;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(b)</TD><TD>If a quorum cannot be obtained, by majority vote of a committee duly designated by the Board of Directors (in which designation
directors who are parties may participate) consisting solely of two or more directors not at the time parties to the Proceeding;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(c)</TD><TD>By independent special legal counsel: (i) selected by the Board of Directors or its committee in the manner prescribed in subsection
(a) or (b); or (ii) if a quorum of the Board of Directors cannot be obtained under subsection (a) and a committee cannot be designated
under subsection (b), selected by majority vote of the full Board of Directors (in which selection directors who are parties may
participate); or, if a determination pursuant to subsections (a), (b), or (c) of this Section 6.3 cannot be obtained, then</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(d)</TD><TD>By the shareholders, but shares owned by or voted under the control of directors who are at the time parties to the Proceeding
may not be voted on the determination.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Serving
at the Request of the Corporation</U>. </B>An officer of the Corporation shall be deemed to be serving another corporation or other
enterprise or employee benefit plan or political action committee at the request of the Corporation only if such request is reflected
in the records of the Board of Directors or a committee appointed by the Board of Directors for the purpose of making such requests.
Approval by the Board of Directors, or a committee thereof, may occur before or after commencement of such service by the officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Advancement
of Expenses</U>. </B>The Corporation shall pay for or reimburse reasonable expenses, including attorney fees, incurred by an officer
who is a party to a Proceeding in advance of the final disposition of the Proceeding if:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(a)</TD><TD>The officer furnishes to the Corporation a written affirmation of the officer&rsquo;s good faith belief that the officer has
met the standard of conduct described in Section 6.2 herein;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(b)</TD><TD>The officer furnishes to the Corporation a written undertaking, executed personally or on behalf of the officer, to repay the
advance if it is ultimately determined that the officer is not entitled to indemnification; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(c)</TD><TD>A determination is made that the facts then known to those making the determination would not preclude indemnification under
this bylaw.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Undertaking
Required for Expenses</U>. </B>The undertaking required by Section 6.5 herein must be an unlimited general obligation of the officer
but need not be secured and may be accepted without reference to financial ability to make repayment.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures
for Expense Determinations</U>. </B>Determinations and authorizations of payments under Section 6.5 herein shall be made in the
same manner as is specified in Section 6.3 herein.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification
of Employees and Former Directors</U>. </B>Every employee and every former director of the Corporation shall be indemnified by
the Corporation to the same extent as officers of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Nonexclusivity
of Right of Indemnification</U>. </B>The right of indemnification set forth above shall not be deemed exclusive of any other rights,
including, but not limited to, rights created pursuant to Section 6.11 of these Bylaws, to which an officer, employee, or former
director seeking indemnification may be entitled. No combination of rights shall permit any officer, employee or former director
of the Corporation to receive a double or greater recovery.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Mandatory
Indemnification of Directors and Designated Officers</U>. </B>The Corporation shall indemnify each of its directors and such of
the non-director officers of the Corporation or any of its subsidiaries as the Board of Directors may designate, and shall advance
expenses, including attorney&rsquo;s fees, to each director and such designated officers, to the maximum extent permitted (or not
prohibited) by law, and in accordance with the foregoing, the Board of Directors is expressly authorized to enter into individual
indemnity agreements on behalf of the Corporation with each director and such designated officers which provide for such indemnification
and expense advancement and to adopt resolutions which provide for such indemnification and expense advancement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>6.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>.
</B>Notwithstanding anything in this Article Six to the contrary, the Corporation shall have the additional power to purchase and
maintain insurance on behalf of any person who is or was a director, officer, employee, or agent of the Corporation, or who, while
a director, officer, employee or agent of the Corporation, is or was serving at the request of the Corporation as a director, officer,
partner, trustee, employee, or agent of another foreign or domestic corporation, partnership, joint venture, trust, employee benefit
plan, political action committee, or other enterprise, against liability asserted against or incurred by the person in that capacity
or arising from the person&rsquo;s status as a director, officer, employee, or agent, whether or not the Corporation would have
the power to indemnify the person against the same liability.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE SEVEN<BR>
<U>RETIREMENT</U></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-indent: 0.5in"><B>7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Employee
Directors</U>. </B>Directors who are not also officers of the Corporation or its affiliates shall be retired from the Board of
Directors as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(a)</TD><TD>Any director who shall attain the age of seventy-two (72) on or before the last day of the term for which he or she was elected
shall not be nominated for re-election and shall be retired from the Board of Directors at the expiration of such term; <U>provided</U>,
<U>however</U>, that each year the Board in the exercise of its discretion may waive this age limit for any director for up to
an additional three terms if it determines such waiver to be beneficial to the Board and in the best interests of the Corporation;
and <U>provided</U>, <U>further</U>, that prior to the Expiration Date (as defined in Section 3.17(b)(iii)) the provisions of this
Section 7.1(a) shall not apply to any director who is member of the Board of Directors already in office as of, or who joins the
Board of Directors on, the Closing Date (as defined in Section 3.17(a)(iii)).</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 36pt"></TD><TD STYLE="width: 30pt">(b)</TD><TD>For the purpose of maintaining a board of active business and professional persons, directors leaving the principal position
(other than by a promotion) held at their last election (by retirement or otherwise) will be expected to tender their resignation
for consideration by the Board of Directors within three months following the Board&rsquo;s next regularly scheduled meeting. A
resignation will be accepted unless the Board in its judgment determines that (i) the director has assumed another position in
which he or she is actively engaged in directing, managing or providing professional services through or to a public, private,
non-profit or educational organization or is maintaining sufficient involvement in other activities that would be important to
ensure effective service as a Board member, including consideration of the sufficiency of financial, technological, operational,
civic, corporate governance-related, governmental or educational activities and/or service as a director of one or more other public
companies, (ii) the director is so engaged in a specific project for the Board as to make his or her resignation detrimental to
the Corporation, or (iii) it is beneficial to the Board and in the best interests of the Corporation for the director to continue
for such period of time as the Board deems appropriate, or to continue subject to the satisfaction of one or more conditions established
by the Board.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Except as may be otherwise determined by the Board of Directors,
directors who are also officers of the Corporation or any of its affiliates will be retired from the Board of Directors on the
date of the annual meeting coincident with or next following the date of the director&rsquo;s retirement from or other discontinuation
of active service with the Corporation and its affiliates.</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-indent: 0.5in"><B>7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Officers
and Employees</U>. </B>Except as provided in the following sentence, the Corporation has no compulsory retirement age for its officers
or employees. Each officer or employee who has attained 65 years of age and who, for the two-year period immediately before attaining
such age, has been employed in a &ldquo;bona fide executive&rdquo; or a &ldquo;high policy-making&rdquo; position as those terms
are used and defined in the Age Discrimination in Employment Act, Section 12(c), and the regulations relating to that section prescribed
by the Equal Employment Opportunity Commission, all as amended from time to time (collectively, the &ldquo;ADEA&rdquo;), shall
automatically be terminated by way of compulsory retirement and his or her salary discontinued on the first day of the month coincident
with or immediately following the 65th birthday, provided such employee is entitled to an immediate nonforfeitable annual retirement
benefit, as specified in the ADEA, in the aggregate amount of at least $44,000. Notwithstanding the prior sentence, the Board of
Directors, in its discretion, may continue any such officer or employee in service and designate the capacity in which he or she
shall serve, and shall fix the remuneration he or she shall receive. The Board of Directors may also re-employ any former officer
who had theretofore been retired.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE EIGHT<BR>
<U>EXECUTION OF DOCUMENTS</U></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-indent: 0.5in"><B>8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Definition
of &ldquo;Document</U>.&rdquo; </B>For purposes of this Article Eight of the Bylaws, the term &ldquo;document&rdquo; shall mean
a document of any type, including, but not limited to, an agreement, contract, instrument, power of attorney, endorsement, assignment,
transfer, stock or bond power, deed, mortgage, deed of trust, lease, indenture, conveyance, proxy, waiver, consent, certificate,
declaration, receipt, discharge, release, satisfaction, settlement, schedule, account, affidavit, security, bill, acceptance, bond,
undertaking, check, note or other evidence of indebtedness, draft, guaranty, letter of credit, and order.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Execution
of Documents</U>. </B>Except as expressly provided in Section 4.19 of these Bylaws (with respect to the Limited Assistant Secretary)
and Section 5.1 of these Bylaws (with respect to signatures on certificates representing shares of stock of the Corporation), the
Executive Chairman of the</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Board, the Chief Executive Officer, the President, the Chief
Operating Officer, any Business Segment President, any Business Segment Chief Operating Officer, any Senior Executive Vice President,
any Executive Vice President, any Senior Vice President, any Vice President, the Chief Financial Officer, the Chief Credit Officer,
the General Counsel, the Chief Risk Officer, the Chief Human Resources Officer, the Chief Accounting Officer, the Treasurer, the
Secretary, and any other officer, or any of them acting individually, may (i) execute and deliver in the name and on behalf of
the Corporation or in the name and on behalf of any division or department of the Corporation any document pertaining to the business,
affairs, or property of the Corporation or any division or department of the Corporation, and (ii) delegate to any other officer,
employee or agent of the Corporation the power to execute and deliver any such document.</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-indent: 0.5in"><B>8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Method
of Execution by Secretary and Other Officers</U>. </B>Unless otherwise required by law, the signature of the Secretary on any document
may be a facsimile, and the signature of any other officer approved by the Chief Executive Officer or Secretary, before or after
the fact, to use a facsimile signature on any document may be a facsimile. The Secretary shall maintain a list of all officers
approved to use a facsimile signature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE NINE<BR>
<U>EMERGENCY BYLAWS</U></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-indent: 0.5in"><B>9.1</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><U>Definition
of &ldquo;Emergency</U>.&rdquo; </B>The provisions of this Article Nine shall be effective only during an &ldquo;emergency.&rdquo;
An &ldquo;emergency&rdquo; shall be deemed to exist whenever any two of the officers identified in Section 9.2 of these Bylaws
in good faith determine that a quorum of the directors cannot readily be assembled because of a catastrophic event.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notice
of Meeting</U>. </B>A meeting of the Board of Directors may be called by any one director or by any one of the following officers:
Executive Chairman of the Board, Chief Executive Officer, President, Chief Operating Officer, any Business Segment President, any
Business Segment Chief Operating Officer, any Senior Executive Vice President, any Executive Vice President, Chief Credit Officer,
Chief Financial Officer, Chief Accounting Officer, General Counsel, Chief Risk Officer, Chief Human Resources Officer, Secretary,
or any Executive Officer. Notice of such meeting need be given only to those directors whom it is practical to reach by any means
the person calling the meeting deems feasible, including, but not limited to, by publication. (&ldquo;Publication&rdquo; includes,
among other means: release to the press; release to or dissemination through print, broadcast, cable, satellite, internet, or other
media, including by paid advertisement; posting on the Corporation&rsquo;s website; or posting on or other dissemination through
any social media outlet with which the Corporation has an account or relationship). Such notice shall be given at least two hours
prior to commencement of the meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>9.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Quorum
and Substitute Directors</U>.</B> If a quorum has not been obtained, then one or more officers of the Corporation or the Bank present
at the emergency meeting of the Board of Directors, as are necessary to achieve a quorum, shall be considered to be substitute
directors for purposes of the meeting, and shall serve in order of rank, and within the same rank in order of seniority determined
by hire date by the Corporation, the Bank or any of their subsidiaries. In the event that less than a quorum of the directors (including
any officers who serve as substitute directors for the meeting) are present, those directors present (including such officers serving
as substitute directors) shall constitute a quorum.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>9.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action
at Meeting</U>. </B>The Board as constituted pursuant to Section 9.3 and after notice has been provided pursuant to Section 9.2
may take any of the following actions: (i) prescribe emergency powers of the Corporation, (ii) delegate to any officer or director
any of the powers of the Board of Directors, (iii) designate lines of succession of officers and agents in the event that any of
them are unable</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">to discharge their duties, (iv) relocate the principal office
or designate alternative or multiple principal offices, and (v) take any other action that is convenient, helpful, or necessary
to carry on the business of the Corporation.</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-indent: 0.5in"><B>9.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effectiveness
of Non-Emergency Bylaws</U>. </B>All provisions of these Bylaws not contained in this Article Nine, which are consistent with the
emergency bylaws contained in Article Nine, shall remain effective during the emergency.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>9.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Emergency</U>. </B>Any emergency causing this Article Nine to become operative shall be deemed to be terminated whenever either
of the following conditions is met: (i) the directors and any substitute directors determine by a majority vote at a meeting that
the emergency is over or (ii) a majority of the directors elected pursuant to the provisions of these Bylaws other than this Article
Nine hold a meeting and determine that the emergency is over.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>9.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Action
Taken in Good Faith</U>. </B>Any corporate action taken in good faith in accordance with the provisions of this Article Nine binds
the Corporation and may not be used to impose liability on any director, substitute director, officer, employee or agent of the
Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE TEN<BR>
<U>MISCELLANEOUS PROVISIONS</U></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-indent: 0.5in"><B>10.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fiscal
Year</U>. </B>The Board of Directors of the Corporation shall have authority from time to time to determine whether the Corporation
shall operate upon a calendar year basis or upon a fiscal year basis, and if the latter, said Board of Directors shall have power
to determine when the said fiscal year shall begin and end.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>10.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.
</B>Dividends on the capital stock of the Corporation may be declared by the Board of Directors at any regular or special meeting
pursuant to law. Before payment of any dividend, there may be set aside out of any funds of the Corporation available for dividends
such sum or sums as the directors from time to time, in their absolute discretion, think proper as a reserve fund to meet contingencies,
or for equalizing dividends or for repairing or maintaining any property of the Corporation, or for such other purposes as the
directors shall think conducive to the interest of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>10.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Seal</U>.
</B>This Corporation shall have a Corporate Seal which shall consist of an imprint of the name of the Corporation, the state of
its incorporation, the year of incorporation and the words &ldquo;Corporate Seal.&rdquo; The Corporate Seal shall not be required
to establish the validity or authenticity of any document executed in the name and on behalf of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>10.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
</B>Whenever notice is required to be given to any director, officer or shareholder under any of the provisions of the law, the
Charter, or these Bylaws (except for notice required by Sections 2.8 and 3.6 of these Bylaws), it shall not be construed to require
personal notice, but such notice may be given in writing by depositing the same in the United States mail, postage prepaid, or
by telegram, teletype, facsimile transmission or other form of wire, wireless, or other electronic communication or by private
carrier addressed to such shareholder at such address as appears on the Corporation&rsquo;s current record of shareholders, and
addressed to such director or officer at such address as appears on the records of the Corporation. If mailed as provided above,
notice to a shareholder shall be deemed to be effective at the time when it is deposited in the mail. Notice need not be given
in the same manner to all shareholders, directors, officers, or other persons. A shareholder&rsquo;s, a director&rsquo;s, an officer&rsquo;s,
or another person&rsquo;s address may be a physical location, a mailing address, or an electronic address.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>10.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Bylaw
Amendments</U>. </B>Except as otherwise provided in Section 3.17, the Board of Directors shall have power to make, amend and repeal
the Bylaws or any Bylaw of the Corporation by vote of not less than a majority of the directors then in office, at any regular
or special meeting of the Board of Directors. The shareholders may make, amend and repeal the Bylaws or any Bylaw of this Corporation
at any annual meeting or at a special meeting called for that purpose only by the affirmative vote of the holders of at least eighty
percent (80%) of the voting power of all outstanding voting stock, and all Bylaws made by the directors may be amended or repealed
by the shareholders only by the vote of the holders of at least eighty percent (80%) of the voting power of all outstanding voting
stock. Without further authorization, at any time the Bylaws are amended, the Secretary is authorized to restate the Bylaws to
reflect such amendment, and the Bylaws, as so restated, shall be the Bylaws of the Corporation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>10.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority
to Vote Shares</U>. </B>The Executive Chairman of the Board, the Chief Executive Officer, the President, the Chief Operating Officer,
any Business Segment President or Business Segment Chief Operating Officer who is an Executive Officer, or the designee or designees
of them or any of them, are authorized, jointly or severally, to vote all shares (or other indicia of ownership) beneficially owned
by the Corporation for any purposes and to take any action on behalf of the Corporation that is required to be taken by the Corporation
as a shareholder or other beneficial owner of any entity whose shares (or other indicia of ownership) are beneficially owned by
the Corporation, which they, or any of them, deem appropriate at meetings, annual or special, or without a meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>10.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Forms
of Writing and Execution; Methods of Delivery</U>. </B>Unless otherwise expressly provided by law, in the Charter, or in these
Bylaws: the terms &ldquo;writing&rdquo; and &ldquo;written&rdquo; include any paper or electronic document or record; the terms
&ldquo;sign,&rdquo; &ldquo;signature,&rdquo; and &ldquo;execute&rdquo; include any manual, facsimile, or electronic signature or
signature process; and, the terms &ldquo;deliver,&rdquo; &ldquo;delivery,&rdquo; and &ldquo;send&rdquo; include any physical or
electronic method of transmittal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 36pt"><B>10.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Forum
for Adjudication of Disputes</U>. </B>Unless the Corporation consents in writing to the selection of an alternative forum, the
sole and exclusive forum for (i) any derivative action or proceeding brought in the right of the Corporation, (ii) any action asserting
a claim of breach of a fiduciary duty owed by any director or officer or other employee of the Corporation to the Corporation or
the Corporation&rsquo;s shareholders, (iii) any action asserting a claim against the Corporation or any director or officer or
other employee of the Corporation arising pursuant to any provision of the Tennessee Business Corporation Act or the Charter or
these Bylaws (in each case, as they may be amended from time to time), or (iv) any action asserting a claim against the Corporation
or any director or officer or other employee of the Corporation governed by the internal affairs doctrine shall be a state or federal
court located within Shelby County in the State of Tennessee.</P>

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<P STYLE="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: right"><B>EXHIBIT 24.1</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>POWER OF ATTORNEY</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Each of the undersigned directors and officers of
First Horizon National Corporation, a Tennessee corporation (the &ldquo;Company&rdquo;), hereby appoints William C. Losch
III, Dane P. Smith, Jeff L. Fleming, Clyde A. Billings, Jr., Shannon M. Hernandez, John A. Niemoeller, and each of them or
their successors as officers of the Company acting singly, the true and lawful agents and attorneys of the undersigned, with
full power of substitution and re-substitution, to do all things and to execute all instruments which any of them may
deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, as amended, and any
rules, regulations and requirements of the Securities and Exchange Commission in respect thereof, in connection with
the registration under such Act of: (a) any securities that were previously registered on Form S-3 (Registration No.
333-229338); (b) any shares of common stock remaining unissued or unsold that were previously registered on Form S-8 pursuant
to amendments of Form S-4 (Registration Nos. 333-219052 and 333-235757); and (c) any shares of common stock or interests
remaining unissued or unsold that were previously registered on Form S-8 (Registration Nos. 033-64471, 033-63809, 033-57241,
333-16225, 333-16227, 333-70075, 333-91137, 333-92147, 333-92145, 333-56052, 333-73440, 333-73442, 333-106015, 333-108738,
333-108750, 333-109862, 333-212850, 333-110845, 333-123372, 333-123404, 333-124297, 333-124299, 333-133635, 333-147409,
333-156614, 333-166818, 333-181162, 333-211120, 333-238038, and 333-239877). This authorization includes the authority to
sign the name of each of the undersigned in the capacities indicated below to any amendments to any of the Registration
Statements listed in clauses (a), (b), or (c), including (but not limited to) amendments to terminate any such Registration
Statement whether or not, at the time of such amendment, any securities under any such Registration Statement remain unissued
or unsold.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">IN WITNESS WHEREOF, each of the undersigned has executed a copy
of this Power of Attorney as of October 28, 2020.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt"><B>Signature</B></FONT></TD>
    <TD STYLE="width: 5%; padding: 1.45pt 5.75pt; font: 12pt DeVinne Txt BT; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt"><B>Title</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ D. Bryan
        Jordan</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">D. Bryan Jordan</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">President, Chief Executive Officer, and a Director</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Principal Executive Officer)</P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ William
        C. Losch III</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">William C. Losch III</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Senior Executive Vice President and Chief Financial
        Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Principal Financial Officer)</P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Jeff L.
        Fleming</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Jeff L. Fleming</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Executive Vice President and Chief Accounting
        Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Principal Accounting Officer)</P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Harry
        V. Barton, Jr.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Harry V. Barton, Jr.</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Kenneth
        A. Burdick</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Kenneth A. Burdick</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Daryl
        G. Byrd</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Daryl G. Byrd</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Executive Chairman of</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">the Board of Directors</P></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ John N.
        Casbon</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">John N. Casbon</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt DeVinne Txt BT; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center">POA- 1</P>


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<P STYLE="font: 12pt/107% DeVinne Txt BT; margin: 0 0 8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse">
<TR>
    <TD STYLE="width: 45%; border-bottom: Black 1pt solid; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt"><B>Signature</B></FONT></TD>
    <TD STYLE="width: 5%; padding: 1.45pt 5.75pt; font: 12pt DeVinne Txt BT; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 50%; border-bottom: Black 1pt solid; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 11pt"><B>Title</B></FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ John C.
        Compton</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">John C. Compton</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Wendy
        P. Davidson</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Wendy P. Davidson</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ William
        H. Fenstermaker</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">William H. Fenstermaker</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ J. Michael
        Kemp, Sr.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">J. Michael Kemp, Sr.</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Rick E.
        Maples</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Rick E. Maples</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Vicki
        R. Palmer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Vicki R. Palmer</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Colin
        V. Reed</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Colin V. Reed</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ E. Stewart
        Shea, III</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">E. Stewart Shea, III</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Cecelia
        D. Stewart</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Cecelia D. Stewart</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Rajesh
        Subramaniam</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Rajesh Subramaniam</P></TD>
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    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ Rosa Sugra&ntilde;es</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">Rosa Sugra&ntilde;es</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
<TR>
    <TD STYLE="padding: 1.45pt 5.75pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; border-bottom: Black 1.5pt solid">/s/ R. Eugene
        Taylor</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">R. Eugene Taylor</P></TD>
    <TD STYLE="font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; font: 12pt DeVinne Txt BT; padding: 1.45pt 5.75pt; layout-grid-mode: line; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Director</FONT></TD></TR>
</TABLE>
<P STYLE="font: 12pt DeVinne Txt BT; margin: 0">&nbsp;</P>



<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; text-align: center">POA- 2</P>

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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>fhn-20201027_lab.xml
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
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<!-- Created: Wed Oct 28 15:30:52 EDT 2020 -->
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<SEQUENCE>7
<FILENAME>fhn-20201027_pre.xml
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            <startDate>2020-10-27</startDate>
            <endDate>2020-10-27</endDate>
        </period>
    </context>
    <context id="c5">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000036966</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesDPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-10-27</startDate>
            <endDate>2020-10-27</endDate>
        </period>
    </context>
    <context id="c6">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000036966</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-10-27</startDate>
            <endDate>2020-10-27</endDate>
        </period>
    </context>
    <dei:DocumentType contextRef="c0">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="c0">2020-10-27</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="c0">First Horizon National Corporation</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="c0">TN</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="c0">001-15185</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="c0">62-0803242</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="c0">165 Madison Avenue</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="c0">Memphis</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="c0">TN</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="c0">38103</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="c0">901</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="c0">523-4444</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="c0">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="c0">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="c0">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="c0">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="c1">$0.625 Par Value Common Capital Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c1">FHN</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c1">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c2">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c2">FHN PR A</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c2">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c3">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c3">FHN PR B</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c3">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c4">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c4">FHN PR C</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c4">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c5">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c5">FHN PR D</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c5">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c6">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c6">FHN PR E</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c6">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="c0">false</dei:EntityEmergingGrowthCompany>
    <dei:AmendmentFlag contextRef="c0">false</dei:AmendmentFlag>
    <dei:CurrentFiscalYearEndDate contextRef="c0">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:EntityCentralIndexKey contextRef="c0">0000036966</dei:EntityCentralIndexKey>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm139742360954184">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 27, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">First
Horizon National Corporation<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000036966<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 27,  2020<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">TN<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-15185<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">62-0803242<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">165 Madison Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Memphis<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">TN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">38103<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">901<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">523-4444<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember', window );">Common Class A [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">$0.625 Par Value Common Capital Stock<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesAPreferredStockMember', window );">Series A Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR A<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesBPreferredStockMember', window );">Series B Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR B<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series B<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesCPreferredStockMember', window );">Series C Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR C<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesDPreferredStockMember', window );">Series D Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR D<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/400th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series D<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember', window );">Series E Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information Line Items</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FHN PR E<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares, each representing a 1/4,000th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series E<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
